J P Quality Control
Resume:
JASON T. GARBER
Lancaster, OH 43130
*************@*****.***
EDUCATION
Denison University Granville, Ohio
Bachelor of Arts in Economics May 1997
PROFESSIONAL EXPERIENCE
J.P. Morgan Chase Bank Columbus, Ohio
VP – Quality Analysis Mgr January 2019 – December 2022
Responsible for successfully leading the HMDA Reporting and Mortgage Disclosure Fee Groups
Developed new fee architecture and monitoring continually saving company $5+ million/yr
Created comprehensive HMDA data management process to ensure accurate/timely regulatory filings
Worked directly with internal/external auditors to provide detail and support for fee and HMDA processes
Continuously passed internal/external audits due to new processes implemented
Oversight to all interviewing and hiring of potential new employees within Quality Department
Part of elite J.P. Morgan Chase Executive fast track group
AVP – Quality Control Mgr January 2015 – December 2018
Managed Production Quality programs to ensure all state and government regulations were met
Liaison between Operations, Compliance, Legal and Audit
Created and implemented any new quality review monitoring items
Managed managers with an umbrella of more than 100+ staff
Actively involved in all Audits, Internal and External
Proficient in leading town hall discussions, monthly reporting walkthroughs, meeting chair activities
Officer - Compliance Officer February 2006 – December 2014
Responsible for maintaining operational quality within the Home Loan Direct (HLD) organization
Created and revised/updated policies and procedures for HLD Prime
Provided guidance to HLD to ensure compliance with Federal, State, and Chase policies and procedures
Performed file reviews and managed weekly and monthly reports of documented results and action plans
Completed quarterly and semi-annual Quality Assurance reviews
Conducted reviews of any exception files found in Federal Compliance audits and prepared written responses
Ensured HLD personnel had detailed understanding of compliance regulations
Performed new hire compliance training
Senior Loan Analyst October 2001 – January 2006
Reviewed multiple reports to ensure proper disclosures, required by state and federal regulations, were issued to customers
Tracked quality and vendor timelines to verify they were meeting their contractual obligations
Obtained and reviewed documents for acceptability against loan conditions
Coordinated with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions, and perform proper closings
Validated proper hazard insurance was obtained and property taxes were current
Wells Fargo & Co. Columbus, Ohio
Branch Manager June 1999 – September 2001
Finalized approved loans based on specified guidelines for entire branch
Reviewed branch financial statements to properly manage profit and loss
Examined credit information and provided final approval on applications
In charge of analyzing daily, monthly, and quarterly branch reports
Evaluated office goals with reference to income, profit, and loan statistics
Implemented strategic plans to combat any irregularities in data information
Supervised and conducted training of branch personnel
In charge of lawsuits, repossessions, and legal actions
Credit Manager June 1997 – June 1999
Completed comprehensive training program under supervision of Branch Manager
Sharpened sales techniques, practiced credit investigations, loan interviewing skills, and loan analysis
Solicited present and former qualified customers
Closed loans while recognizing appropriate opportunities for larger loans
Exercised problem-solving techniques dealing with collection accounts
Responsible for servicing both new and current retail dealers
OTHER SKILLS
Proficient in most Mortgage Based Systems including Mortgage Express, CLOSR, RCO, Black Knight Systems including ERNST Fee Exchange, Government HMDA Reporting site
References Available Upon Request
Contact this candidate