Operations Manager Quality Control

PROFESSIONAL EXPERIENCE

TROPICAL FINANCIAL CREDIT UNION – Mortgage Operations Manager July 2016 - Present

Duties and Responsibilities:

Manage the Mortgage Operations department which includes overseeing processing, closing, underwriting, and quality control. Work closely with the sales team to ensure successful alignment of goal achievement. Responsible for first mortgage loans and home equity are in compliance with all financial, Federal, and State regulations (RESPA, HMDA, Financial Fair Housing Act, Flood Insurance, Fair Credit Reporting, Truth in Lending, etc.) Complete knowledge of FNMA and FHLMC guidelines and AUS systems DU and LPA.

HALPERN & ASSOCIATES MORTGAGE COPORATION – Operations Manager Dec 2015 – July 2016

Duties and Responsibilities:

Establish policy and procedure for mortgage banking operations. Assist in transition from mortgage broker to banker and making sure all procedures are compliant with mortgage compliance rules and regulations that include Reg B, Reg Z, HMDA, Fair Lending, TRID, and All Agency Standards. Review loans for income, assets, credit, and make sure AUS is complete and accurate. Create and implement checklists to assist in the daily operations of all areas, loan opening, loan processing, loan closing, and funding.

COLUMBUS CAPITAL LENDING – Director of Compliance Sep 2014 – Dec 2015

Duties and Responsibilities:

Research, implement and manage the areas of regulations and compliance, policy, and procedure. Advice, oversees, and train staff on compliance procedures, underwriting updates, originations, and quality control. Review pre and post- closing audits, respond on any deficiencies and apply corrective actions. Prepare and present monthly reports to the executive board summarizing all areas reviewed, providing feedback and recommendations for changes to maintain organization compliant and mitigate fraud.

FIRST EQUITY MORTGAGE BANKERS INC – QUALITY CONTORL/COMPLIANCE OFFICER Sep 2013 – Sep 2014

Duties and Responsibilities:

Oversee and implement policy and procedures for all departments, underwriting, processing, originations, closing, shipping and quality control. Prepare and present quarterly reports to the executive board summarizing all areas reviewed, providing feedback and recommendations for changes to maintain the organization compliant and mitigate fraud. Abreast of all Dodd Frank regulation including most recent affecting compensation, ATR/QM and upcoming changes TILA-RESPA Integrated Disclosure Rule. Preformed pre-funding QC following Agency requirements and standards. Reviewed Post Closing QC Reports and reported to management monthly deficiencies and recommended corrective action.

NEW PENN FINANCIAL – PRODUCTION COORDINATOR Mar 2013 – Aug 2013

Duties and Responsibilities:

Review loan originations and process for loan submission to underwriting. Loan documents gathered, analyzed, and pre-qualified for loan submission. Run loans through DU and LP for decision and submit quality loans for final approval. Job requires knowledge of Fannie Mae, FHA, VA processing and underwriting. Knowledge and use of FHA connection to order case numbers, LDP/GSA and other functions of FHA loans.

CLAYTON SERVICES – CONTRACT UNDERWRITER Jan 2013 – March 2013

Duties and Responsibilities:

Review residential mortgage loans for compliance, credit qualification and investor purchase for Conventional, FHA, VA, and USDA loan files. Make sure that it meets the guidelines of the investor as well as the originating company’s overlays. Review files prior to closing as well as post-closing review for investor eligibility.

WELLS FARGO HOME MORTGAGE –

WHOLESALE ACCOUNT EXECUTIVE & HOME MORTGAGE CONSULTANT Jun 2009 – Jan 2013

Duties and Responsibilities:

Worked with Mortgage Brokers originating, Conventional, Jumbo, and government residential loans. Review loan quality to meet our agency guidelines. Train in automated system, RESPA and all regulatory changes. Build quality customer base in Miami Dade County. When Wholesale closed transferred to Retail where I originated for 6 months.

CHASE HOME LENDING – WHOLESALE ACCOUNT EXECUTIVE Oct 2001 – Jan 2009

Duties and Responsibilities:

Worked with Mortgage Brokers originating Conforming, Conventional, Jumbo, and government residential loans. Review loan quality to meet our agency guidelines. Train in automated system, RESPA and all regulatory changes. Build quality customer base in Miami Dade County.

BAC FLORIDA BANK – VP RESIDENTIAL LENDING Jan 2001 – Oct 2001

Duties and Responsibilities:

Underwrote/Approved Residential Mortgage for Foreign Nationals. Worked with Mortgage Brokers in South Florida as well as major banks like JP Morgan Chase and Bank of America. Also assisted the customer base from domestic, Central, and South American branches.

AIB MORTGAGE CORPORATION – SALES MANAGER 1997 – 1999

Duties and Responsibilities:

Help recruit and manage staff. Build a sales team that increased company production over 1000%. Was instrumental in helping firm obtain Direct Endorsement HUD Approval. Assisted in operation, policy and procedure of overall operations of Wholesale Mortgage operations.

CERTIFIED MORTGAGE BANKERS – OPERATIONS MANAGER 1996 – 1997

Duties and Responsibilities:

Wholesale/Retail Mortgage Operations - Managed, underwriting, quality control, closing, post-closing, and insuring departments. Responsibilities included running daily operations, policy and procedure of overall operations of Retail and Wholesale Mortgage operations. Assisted in getting reinstated with Fannie Mae.

WHOLESALE ACCOUNT EXECUTE – Suncoast Savings, Great Western & Prime Mortgage 1990 – 1995

Duties and Responsibilities:

Worked for various Mortgage Brokers originating residential mortgages from Dade, Broward, Palm Beach, and Monroe County.

CENTRUST SAVINGS BANK – VP RETAIL OPERTIONS 1986 – 1989

Duties and Responsibilities:

Supervised retail loan origination/processing center for one of the largest Savings Bank in the Miami Area. Managed processing, closing for all branches and approximately 30 loan originators. Responsible for hiring all staff and annual performance reviews.

ICA MORTGAGE COMPANY – SENIOR UNDERWRITER 1983 – 1986

Duties and Responsibilities:

Conventional residential mortgage underwriter.

ACADEMIC QUALIFICATIONS AND RECOGNITIONS

UNIVERSITY OF Miami Bachelor Business Administration Graduated – 1983

COMMUNITY ACTIVITIES & PROFESSIONAL ORGANIZATIONS

Past President of Association of Professional Mortgage Women, Past Secretary of Florida Association of Mortgage Brokers, Home buyer Counselor for Habitat for Humanity, Volunteer and Fund Raiser.

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