Credit Union Mortgage Loan

COMPUTER EXPERIENCE

Word Excel (advanced proficiency) PowerPoint Access Adobe MeridianLink

CAREER DEVELOPMENT

Monroe Federal Savings and Loan October 2023 – Present

Assistant Vice President – Compliance, BSA, Internal Compliance

oResponsible for all internal audit functions across the entire organization. This involves branch, cash, ATM, RESPA, BSA, ACH, Quarterly Loan Reviews, etc.

oQuarterly reviews of the customer portfolio is done to evaluate high risk customers based on metrics laid out in the banks BSA policy.

oWhen a new product is implemented at the institution, I would review to ensure that everything that has been done, and the systems that are being used, are set up withing regulatory compliance.

oAppointed Board Secretary after six months of being with the bank. The secretary takes notes at all committee meetings and board meetings and organizes information for directors and the officers.

oCreated an internal audit error tracking sheet. This is not something that was already in existence at the bank and as part of the updates to the processes in the compliance area this was found as a risk.

oReview and update policy and procedures quarterly. This is something that is done based on a schedule that was set up to ensure that equal numbers of policies are reviewed quarterly.

Universal 1 Credit Union December 2022 – October 2023

Internal Audit Specialist

oAudit internal new loans and new credit union memberships to ensure they are being opened within regulations and that all required documentation/signatures were captured, HMDA information is reported accurately, and documentation is provided within TRID regulations.

oReview S.A.F.E. Act policies yearly to make sure that the credit union is still adhering to the regulations around NMLS numbers and registered Mortgage Loan Originators. This is also a yearly review of the marketing materials that the credit union uses.

oTravel to eight different Universal 1 branches to perform an on-hand cash audit for all teller drawers and money in the vault.

Verify signage and information that is on the teller line adheres with regulations.

Check robbery kit for appropriate items and guidelines/procedures on what should happen in the case of a robbery.

oPerform CTR and SAF reviews in VeraFin to ensure that they are filed within proper timeframes and that the branches are sending over required documentation when these types of instances occur.

oCreate procedures around new internal processes to ensure adherence to regulations and to help employees take corrective action (if needed).

oCreate reports from all the different audits to see trends in error findings from year to year and to help determine areas of regulatory weakness that the credit union may have. This information is presented quarterly to the board of directors.

MyCUmortgage/Wright Patt CU January 2019 – November 2022

Letter Librarian

oReview current myCUmortgage correspondence for member impact

oDraft up letters per CFPB and other regulatory guidelines while still maintaining focus on the member

oManage the print vendor relationship to ensure that all correspondence is mailed/printed within SLA

oWorking through a print vendor transition to ensure that all processes are implemented correctly to have minimal member impact

oWork with lines of business to provide them with the needed correspondence to handle responsibilities of their unit

myCUmortgage/Wright Patt CU June 2017 – January 2019

Escrow Analyst

oAssist members in explaining shortages that occurred from a recent analysis

oVendor oversight for Loan Protector to ensure that insurance payments/documents are being processed and logged in the system correctly

oReview exception reports for any insurance payments that failed to disburse per business rules to ensure that all documentation that is needed is on file

oRespond to member/partner/Partner Credit Union emails that are sent to the escrow or insurance mailboxes that need urgent assistance

oReview member requests to have escrow waived on an account per FNMA guidelines

oDeposit insurance escrow premium refund/cancellation checks to the member’s escrow to ensure that shortages do not occur in the member’s escrow

oRequest and send escrow overage checks to members as a result of a recent escrow analysis done on their accounts

Assurant Specialty Property August 2008 – June 2017

Hazard Insurance Specialist IV/Team Lead May 2009 – June 2017

oCreated letter templates for Wells Fargo for the new EERC implementation

oCoach associates to improve Team KPI and quality numbers

oCreate reports to show current populations of information as requested by management

oMonitor queue status and compliance reports and relay to management

any issues, problems or updates

oLead team meetings and explain new processes and procedures

oAnswer questions and troubleshoot any associate issues that arise

oMentor and train new associates

oAnalyze data provided by management in easily readable pivot table forms along with a high level executive summary that breaks down the findings

oPerform other functions at management request

Hazard Insurance Specialist I August 2008 – May 2009

oMet and exceeded production and quality standards

oAdapted to changing client needs and regulations

oWorked independently as well as in a team environment

oDeveloped expertise of DTE check processing functions

oAcquired thorough understanding of LPS and TrackAll systems

oCompleted low level reporting for management of different types of property loss claim information

EDUCATION

Wright State University 2005-2009

oMarketing/Management Information Systems

Microsoft Office knowledge

Upper level management courses

Business Calculus, Algebra (1, 2 and 3), Advanced Probability and Statistics, Trigonometry and AP Economics.

Edison Community College 2002-2004

oAssociates of Science (Transfer Degree)

Math, science, accounting, management and finance courses

Graduated with Honors

*References available upon request*

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