Project Management Quality Control

Summary

Skills

Experience

A. Faye King

Stone Mountain, GA 30083 404-***-****

*********@***.***

Motivated banking professional with over 25 years of mortgage operations and management experience in wholesale, retail, and correspondent lending. Expertise in mastering mortgage software and applications, consistently meeting or exceeding deadlines and quotas. Diplomatic and tactful in handling sensitive records, providing constructive feedback, and producing accurate reports. Highly adaptable with strong teambuilding skills and a self-starter attitude. Project Management

Report Preparation

Written Correspondence

General Office Skills

Computer Savvy

Management

Leadership

Underwriting Analysis

Problem Solving

Microsoft Office

Office Operations

FNMA/FHLMC

FHA/VA

USDA

HELOC

Non-QM

Jumbo

Counter Party Credit Risk

Hedge Fund

Encompass

Data Trac

Byte

ACES

TENA QC Software

Ocrolus AI-Empowered Certified

Due Diligence

QC QA audits and Remediation

Managing risk

Risk Mitigation

Credit analysis

Loss Mitigation

Quality Control

Post-Funding Quality Underwriter, 09/2022 Current Movement Mortgage

Re-underwrites the income, credit, assets, and appraisal Determines if the loan file documentation satisfies agency/investor requirements Performs a credit risk analysis on each file

Communicates findings to the appropriate Operations Underwriter. Performed post-closing reviews FHMLC, FNMA, USDA, FHA/VA and EPD loans to determine origination underwriting deficiencies against Investor or MI guidelines Sr. QA/QC Analyst, 02/2020 08/2022

American Financing Corporation

Performed a thorough re-underwrite of the first mortgage loan files are completed accurately and timely Maintain knowledge of all industry changes and can train new staff accordingly with workflow of a loan review, help understand checklist, data base and how to find the product manual and policies and procedures In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set Provide exceptional customer service in all written and verbal communication to both internal and external customers

Meet or exceed productivity levels established by Management and credit quality standards. Sr. QC Pre-Funding /Post Closing Underwriter Team Lead, 04/2013 01/2020 American Financial Resources

Performed prefund reviews on FHLMC, FNMA, USDA, FHA/VA loans submitted for Retail, Wholesale and Correspondent lenders

Education

Performed post-closing reviews FHMLC, FNMA, USDA, FHA/VA and EPD loans to determine origination underwriting deficiencies against Investor or MI guidelines Reviewed loan documents for completeness, accuracy and misrepresentation, ensuring the company and agency guidelines were met

Performed credit and property appraisal analysis and decision making for one to four family unit residential loans Identified all avenues of recourse options available Entered all necessary data into the database, to be reviewed and, continuous analysis may be performed, and client reports delivered

Assisted on issues regarding lending policies, procedures and system guidelines. Underwriting Support Help Desk/ Sr. Underwriter, 07/2012 04/2013 Real Estate Mortgage Network

Represented the company in a professional and enthusiastic manner by providing an exceptional level of customer service, supporting the mission statement, and adhering to our core values in all functions of their job responsibilities and interaction with internal and external customers Reviewed and approved specific loan scenarios/opinion requests adhering to REMN product descriptions and/or overlay requirements

Assist production in analyzing loan details to provide guidance on possible alternative solutions Coordinates with the REMN Chief Credit Officer, Corporate Underwriting Exception Manager and/or Regional Underwriting Manager, as applicable, on any required exceptions to REMN policies Proactively communicates with the processing and sales staff on the status of all loan scenarios/opinion requests and assists where possible in recommending counter offers for those that do not meet the guidelines for products as submitted.

Independent Mortgage Contract Underwriter, 12/1999 07/2012 On-site and remote contract mortgage insurance underwriter for Triad, Genworth Financial and RMIC for several banks, credit unions and mortgage companies

Fraud and misrepresentation underwriter on non-performing primary & pool insured loans with Genworth Financial Team Leader for new hire auditors and maintain responsibility for office workflow process which includes quality control and volume standards

Re-verified income and asset documentation with 3rd party vendors to confirm accuracy Analyzed new credit reports, bankruptcy documents and Lexis-Nexis reports for undisclosed trade lines opened within 30 days of original loan closing, income and address discrepancies Full credit and property manual underwriting following FNMA/FHLMC/Private Investor Guidelines Conducted in-depth investigations into all aspects surrounding the mortgage transaction, to determine if outside investigations are required

Requested missing documents from the lender/bank required to complete loan investigation Prepared rescission letters for loans with confirmed and documented fraud and misrepresentation Continuous ongoing communication with brokers to approve loans or cure loan deficiencies on closed loans. SR. Account Underwriter, 12/1993 12/1999

PMI Mortgage Insurance

Underwriter for mortgage loans to determine mortgage insurance of eligibility and to ensure mortgage loan compliance with Freddie Mac, Fannie Mae, Sub-Prime, and HUD guidelines for various mortgage lending institutions in the Metropolitan Atlanta area

Analyzed credit and property appraisals with the goal of making sound lending decisions for one to four family unit residential loans

Included responsibilities entailed office process and workflows. Branell Women's College

Bachelor's Degree Business Administration

Fashion Institute of Atlanta

Certifications

Associates Degree Retail Merchandising

DE Underwriter Designations - VA SAR LAPP

Capstone Institute- Underwriting Certification FHA/VA Mortgage Loan Processing, Underwriting

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