Anthony Wilson

ad3o2f@r.postjobfree.com 703-***-**** Ashburn, VA

SUMMARY

Seasoned Quality Assurance Specialist with 22 years of experience in mortgage operations and compliance, currently ensuring adherence to HMDA, Regulation B, TRID, and RESPA at Lafayette Federal Credit Union. Demonstrated expertise in auditing, loan processing, and loss mitigation, with a strong track record of maintaining regulatory compliance and data integrity. Seeking a Quality Assurance Analyst role to apply meticulous review skills and a deep understanding of mortgage guidelines and corrective measures. WORK EXPERIENCE

Lafayette Federal Credit Union Rockville, MD

Quality Assurance Specialist 2021 - Present

• Ensure adherence to industry regulations by meticulously validating forms, disclosures, and documents against HMDA, Regulation B, TRID, and RESPA requirements.

• Collaborate with third-party vendors to conduct comprehensive audits and reviews of loan processes, aiming for enhanced accuracy and efficiency.

• Facilitate continuous improvement by examining and refining operational procedures to uphold compliance standards and mitigate risk.

Burke & Herbert Bank & Trust Company Alexandria, VA Consumer Mortgage Operations Specialist 2015 - 2020

• Conducted detailed audits of data from servicers, determining the validity of corrections and ensuring accuracy in reporting.

• Performed comprehensive mandatory reviews to verify adherence to TRID, secondary mortgage, and internal company guidelines.

• Managed the examination of initial and closing disclosures, assessing changes in circumstances to maintain compliance.

• Evaluated compliance cases meticulously to ascertain if loan tolerance thresholds were met. Freddie Mac McLean, VA

Loss Mitigation Specialist 2012 - 2015

• Conducted daily evaluations of servicer correspondence to identify requirements, managed document uploads, and executed necessary corrections to maintain loan integrity.

• Acquired expertise in an extensive range of loan terminologies, ensuring accurate representation and updates of loan details in the Master File.

• Analyzed and rectified discrepancies in payment data, contributing to the prevention of customer displacement by addressing issues related to UPB, Deferred UPB, and DDLPI. Weststar Mortgage Woodbridge, VA

Mortgage Processor 2012 - 2012

• Managed the loan origination process, ensuring seamless coordination among stakeholders including loan officers, clients, and title companies, leading to successful loan closures.

• Coordinated the acquisition of necessary verification documents in adherence to various compliance guidelines, maintaining efficiency under stringent deadlines.

Capital One Bethesda, MD

Mortgage Processor 2011 - 2012

• Processed and closed an excess of 90 conventional and Home Affordable Refinance Program loans, ensuring adherence to various investor guidelines including those of Fannie Mae and Freddie Mac.

• Maintained comprehensive knowledge of conventional loan products to guarantee consistent conformance with Private Mortgage Insurance and investor standards throughout the loan process. Freddie Mac McLean, VA

Loan Defect Specialist 2011 - 2011

• Conducted thorough analysis of loan documentation to identify and rectify errors in rate, outstanding principal balance, term, or accrued delinquent interest, ensuring accurate loan closure classification.

• Generated and interpreted error code reports to streamline departmental workflows, facilitating efficient error resolution and process adherence.

Workout Support Operations 2011 - 2011

• Conducted thorough reviews of modified loan documentation for accuracy, ensuring proper integration into the investment portfolio management system.

• Generated detailed Excel reports to assist team leaders in workflow analysis, contributing to informed decision-making in daily management reviews.

Loan Setup Specialist 2011 - 2011

• Implemented process enhancement protocols to ensure the validation of loan file content, achieving greater consistency and data integrity across departmental operations.

• Transitioned data management from an offline system to an electronic process, optimizing workflow efficiency and document handling procedures.

Bank of America Fairfax, VA

Loan Processor 2009 - 2010

• Processed loans, ensuring compliance with the Making Homes Affordable program guidelines and maintaining accuracy in terms and pricing.

• Maintained client relationships, providing consistent updates throughout the application and approval stages, enhancing customer satisfaction and trust.

• Collaborated with an elite team during the MHA program's initiation, focusing on the interpretation of guidelines and clear communication with clients to resolve vesting, lien, and appraisal issues. America Brokers Conduit Chantilly, VA

Underwriter 2006 - 2007

• Evaluated broker and borrower documentation to construct comprehensive loan packages, ensuring borrower qualification adhered to industry standards.

• Assessed work papers for completeness and identified approval discrepancies, formulating and recommending effective resolution strategies.

Lime Financial Chantilly, VA

Underwriter 2005 - 2006

• Evaluated broker and borrower documentation to construct comprehensive loan packages, ensuring adherence to qualification standards.

• Analyzed work papers for completeness and identified approval discrepancies, formulating effective resolution strategies.

HSBC Mortgage Corporation Fairfax, VA

Underwriter 2001 - 2005

• Evaluated broker-generated work papers to ensure completeness, identifying potential approval issues and formulated effective resolution strategies.

• Compiled comprehensive loan packages by integrating information from brokers and borrowers, ensuring alignment with qualification criteria.

EDUCATION

ITT Technical Institute

Associate of Occupational Science in Electronics

None

SKILLS

Portfolio Management • Investor Liaison • Collaborative • Policy Compliance • Risk Assessment • Quality Control Analysis • Data Management • Integrity-Driven • Process Improvement

Contact this candidate