Anton L. Clark

**** ***** ****

Charlotte, NC ***69

704-***-****

ad4gnr@r.postjobfree.com

PROFESSIONAL

SUMMARY

• 18 + years of leadership experience in Production & Portfolio Management. Quality Assurance, including banking and credit analysis experience, loan documentation and underwriting experience. • Responsible for hiring, coaching, developing, and Subject Matter Experts (SMEs); conducts direct one-on-one team member training and annual performance reviews. 12 + years processing/reconciling Freddie Mac (delegation/authority), FHA and Ginnie Mae “funded/backed” portfolio as well as 12 years of experience in the practice of RCSA (Risk and Control Self-Assessment).

• Self-starter with highly developed problem resolution and precise decision-making skills. •Exceptional communication and collaborative skills throughout all levels of leadership.

PROFESSIONALEXPERIENCE

The Judge Group/WellsFargo Corp. Risks

Compliance Analyst

July 2023- Current

Establish, implement and maintain risk standards and programs to drive compliance with federal, state, agency, legal and regulatory and Corporate Policy requirements (using RCSA methodology/principles). Oversee the Front Line's execution and challenges appropriately on compliance related decisions. Support the oversight or monitoring of a risk-based compliance program. Provide support in developing and overseeing standards with some business and functional knowledge. Provide compliance risk insight and support projects and initiatives with low to moderate risk for a business line or functional area. Work with a business unit, a defined set of rules and regulations on low to moderate risk compliance matters. Support the reporting, escalation, and timely remediation of issues, deficiencies or regulatory matters regarding compliance risk management. Provide direction to the business on developing corrective action plans and effectively managing regulatory change (using RCSA methodology/principles). Provide support in reporting findings and drafting recommendations to management. Support and implement initiatives with low to moderate risk. Interact with team to support risk oversight and monitoring. Manage and ensure accuracy of data. Troubleshoot system issues to determine root cause. Research and implement new regulatory rules and manage other Registration Team related projects. Identify and recommend opportunities for process improvement and risk control development. Establish and maintain effective relationships with various teams. Make decisions and resolve issues to meet business objectives. Interpret policies, procedures, and compliance requirements. Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals. Interact with internal customers. Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

Bank of America

Mortgage Pricing Analyst

June 2019 – April 2023

• Differentiate various types of pricing processes for conventional, FHA and other types of residential mortgage loans. Develop complex program models to extract data and utilize multiple databases to acquire statistical and financial data.

• Overall maximizing profit and growth while minimizing risk and operating losses and/or other financial, marketing exposures that build relationships with external agencies met state/federal compliances.

• Examine and properly execute margin management strategies that help maintain overall company objectives. Utilizes portfolio trends to propose changes within segmentation structure to produce optimal results.

• Apply regular and Hoc comprehensive analysis and report findings. Residential mortgage pricing documents for accuracy, competitive match assessment and compliance with bank policies.

• Provide comprehensive solutions to complex problems and needs. Confirm client profitability, specific services and pricing recommendations. Responds promptly to inquiries and provided to internal and external business partners regarding mortgage pricing related matters.

Inco-Check, Inc.

Compliance Analyst

July 2017 – Feb. 2019

• Responsible for managing a pipeline of 95+ loans weekly by performing quality control audits for Pre-Funding, Post Closing and Servicing Quality Control Audits. Conducts complete and thorough audits for various investors such as banks, credit unions, mortgage companies and other financial institutions.

• Responsible for adhering to regulatory guidelines by accurately analyzing and recording any findings in quality control by using SharePoint.

• Ensures that state and federal regulations are being followed by calculating and reviewing fees assessed

by our vendors. RCSA (Risk and Control Assessment) exercised daily.

• Collaborates with senior management to ensure goals are being met in order to guarantee our clients satisfaction. Ensured all loans reviewed met both state/federal regulatory risks/compliance.

Bank of America

Licensed Lending Officer-NMLS 1506449

2016 - 2017

• Responsible for guiding clients throughout the mortgage process of a refinance of existing mortgage or purchase of a new home, second or vacation home via HELOC (Home Equity Line of Credit). Provides clarification to client questions relating to all phases of financing.

• Worked directly with underwriting and processing teams to gather all necessary documentation to satisfy all stipulations requested by relevant teams such as underwriting, closing, insurance, processing and condominium project review teams. Assisted with training team members by answering questions regarding to all phases of the mortgage process including purchases and HELOC processes.

• Worked directly with management team in diffusing escalated disputes from clients regarding issues presented at closings, other requests and/or last-minute stipulations requested by processing or underwriting departments. Ensured approved loans met both state/federal regulatory compliances.

• Reconciled bank account balances submitted by clients to confirm suggested balances given by clients. Reconciled and reviewed business and personal tax returns submitted by clients. Awarded a certificate for completing “Neighborhood Lending Certification Program.”

Wells Fargo Home Mortgage

Collateral Analyst II (Fannie Mae)

2005 - 2016

• Completed/Approved underwriting of “purchase loans” for the investor (Fannie Mae) for condominium projects. Evalutate all collateral information and perform verification on same and analyze qualities for all loan collateral accounts and ensure eligibility of the same.

• Reviewed and approved budgets and appraisals for condominium projects. Evaluate reports on everyday basis to maintain accurate and review all credit policy.

• Used Sharepoint to update and decipher loan applicant’s information and tracked the progression of the application.

• Reviewed all policy exceptions and material issues and inform portfolio manager for same and identify and resolve all trade allocation issues and escalate if required. Reviewed/Ensured all approved reviews met both state/federal regulatory compliances. RCSA (Risk and Control Self-Assessment) practiced daily.

Business Process Manager (FHA VA/USDA Settlement)

• Provided oversight and leadership of activities relating to (FHA) loan production and loan servicing team; ranked 2nd out of 12 teams for quality. Responsible for loan processing, underwriting and analyzing documentation of a medium sized portfolio of loans by updating progress in Sharepoint, including production, pipeline and daily goals and tasks.

• Ensured loans were in compliance with regulatory policies while minimizing operational and reputational risks to protect Wells Fargo and investors associated with Wells Fargo such as Ginnie Mae and FHA and mortgagors.

• Worked with Loan Modification Quality/Audit team and implementation consultants to identify gaps in the loan modification process and assisted in the creation of a team member checklist designed to increase quality and production. Ensured all loans reviewed/approved met all state/federal compliances.

• Conducted UAT testing with team members and coordinated with the QA/Underwriting department to resolve quality assurance issues. RCSA (Risk and Control Self-Assessment) exercised daily.

Project/Work FlowDirector -FHA SETTLEMENT

May 2008 - 2014

• Reviewed, assigned, and monitored the load balancing of each team members pipeline via internal SharePoint site. Served as main point of contact for customer escalated issues from loan processors. • Worked directly with managers to successfully motivate, train and direct a production team of processors that consistently ranked in the “top 3%” of all FHA settlement teams.

• Served as liaison for CFM (Critical Field Mass) Requests and submissions for the team and other teams in the department as well as Loss Write Off submissions.

• Responsible for gathering and submitting daily production goals and reporting current staffing numbers to senior management in the absence of responsible managers. Ensured all approved loans met all state/federal risks/compliances.

• Involved in the review of process changes and/or updates to ensure the mitigation of operational and reputational risks to Wells Fargo and its investors by ensuring strict adherence to and compliance with legal, regulatory and business policies. RCSA (Risk and Control Self-Assessment) exercised daily.

EDUCATION &CREDENTIALS

Bachelor of Arts in Business Management – Norfolk State University (1992)

QUALIFICATIONS &

EXPERTISE

Compliance & Quality Assurance; Strategy, Execution & Leadership; Relationship Management & Client Relations, Sales and Marketing; Issue Tracking and Resolution; Underwriting and Credit Risk Management Portfolio Management & Loss Mitigation; Due Diligence & Negotiation; Operational Management & Training, Commercial Loan Ledger and RCSA (Risk and Control Self-Assessment)

BUSINESS APPLICATIONS

Work Prospector, LIV, ERLMF, Vendorscape, CPI Fidelity, MS Office Suite, LSI, LPS Desktop, Sharepoint, Ifulfill, Originate, Excel, DM Portal, V-Look Ups, Pivot Tables

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