Quality Control Auditor

ALICIA DAVIS

Katy, TX ***** **********@*****.***

Professional Summary

Experienced Quality Control Auditor with well-honed analytical skills with regulatory compliance auditing experience for 10 years. Solution-focused professional highly regarded among peers and supervisors in mortgage industry. Skilled auditor and underwriter who works diligently with all levels of peers, management, and external authorities. Skills

Proficient Microsoft Office User

Desktop Underwriter Loan Prospector

Software: Encompass, Calyx, Orijin

Strong Risk-based Decision-Making Skills

Collaborative Team Player

Manage effectively in fast-paced environment

Verbal and written communication

Trainer

Work History

Sr Quality Control Auditor 02/2023 - Current

Contractor – Remote

Facilitate contract with Trinity Capital Mortgage:

• Perform forensic credit and collateral risk audit of client's closed loan files to ensure compliance with investor and lender guidelines.

• Deliver high-quality work on time, earning positive feedback from clients. Sr Quality Control Auditor 02/2021 - 10/2022

New Bold Advisors / Guaranteed Rate – Remote

• Conducted credit and collateral review of 2.5 closed loan files daily to ensure compliance with investor and lender guidelines.

• As Trainer, helped to maintain 90% and higher accuracy rate by successfully training new hires and teaching company and procedure best practices.

• Verified work accomplished by external company vendors to ensure quality audit standards were met and exceeded.

Quality Control Auditor 04/2018 - 01/2021

Contractor – Remote

Facilitated contract with Opus Capital (10/2019-01/2021):

• Performed detailed comprehensive and forensic tactical due diligence and risk analysis of clients' servicing portfolio for credit risk and fraud prevention.

• Advanced mortgage underwriting and credit knowledge required to make acceptable risk assessment in accordance with investor and lender guidelines.

• Final assessment for reporting was completed using standardized taxonomy for litigation proceedings. Facilitated contract with Trinity Capital Mortgage (04/2018-10/2019):

• Conducted comprehensive reviews of loan files, verifying compliance with company guidelines and federal regulations.

• Evaluated credit risk associated with borrower profiles by conducting thorough financial analyses using various tools.

Quality Control Underwriter 06/2015 - 01/2018

Equity Prime Mortgage – Atlanta, GA

• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

• Performed root-cause analysis on problem loans, developing solutions to prevent future issues from arising.

• Maintained detailed records of all quality control activities, creating transparency and accountability within the department.

• Fostered collaboration with colleagues from other departments involved in the underwriting process, ensuring a seamless workflow.

Quality Assurance Underwriter 10/2010 - 09/2014

Generation Mortgage Company – Atlanta, GA

• Maintained 90% or higher accuracy rate in loan evaluations through diligent verification of borrower's employment, income, credit history data, and appraisal.

• Identified potential risks and mitigated losses through detailed analysis of borrower's financial information.

• Provided constructive feedback to colleagues for continuous improvement in underwriting practices and client satisfaction levels.

• Other positions held: Reverse Mortgage Underwriter FHA DE Underwriter 04/2009 - 01/2010

Contractor – Atlanta, GA

Facilitated Contract with Housing & Urban Development:

• Optimized risk assessment practices with thorough financial analysis of borrowers'' credit histories, assets, liabilities, employment stability, and collateral. Education

Master of Arts: Professional Counseling

Liberty University - Lynchburg, VA

Bachelor of Arts: Communications Studies

University of Iowa - Iowa City, IA

Certifications

FHA Direct Endorsement (DE) Underwriter

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