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Loan Mortgage

Location:
Nashville, TN
Posted:
September 09, 2019

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Resume:

Billy Davidson

Objective

** ***** ************ **********

Conventional - Front End – Backend

Loan Auditor - FHA-FNMA-FHLMC

FHA-FNMA-FHLMC guidelines

Conventional - Front End – Backend

Jumbo and/or non-conforming loans.

Private bank experience

HAMP / MHA Guidelines

Ability to Multitask

Empower-Unifi-Calyx-LPS-Pivot Tables

Fiserv-Velocity

Loan IQ - Bank of America

Complete Banking's annual BSA/AML/OFAC training 2018 Bank of the West

Due Diligence Reviews

LexisNexis-Black Knight Encompass 360

AML- Anti Money Laundering

SAR-OFAC-Credit Analysis

Good Team Leader

Good Communicator

Fi Serv- Software Upgrade- VISO, SQL, Queries & Data Mapping, V-Look-Up

Loan Servicing and RESPA & Compliance

Money Wire Transfer Tracking

Education:

Loan Origination & Loan Officer Training State of Texas

Training: DE Underwriting Training

North Lake College Commercial Underwriting, Single

Family Underwriting and World Savings Underwriting Training

Certifications: SMU Network Engineer

Certifications: North Lake College Mortgage Banking Intern

Certification: Capstone Compliance Loan Auditor FHA Credit Analysis

Professional Experience

SBA Loan Specialist Atlanta hours worked 60 11/2018 to 1/2019

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans. Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries. Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions. Approve loans within credit authority and in accordance with MSPBNA credit policy and credit culture. Proactively manage assigned pipeline. Self-Employed borrowers on-conforming loans including loans held in entities. LLCs and Trusts.

Roberthalf/PNC Bank Issue Validation Analyst Chicago, IL hours worked 40 9/2018 to 10/2018

Validate resolution plans to ensure they adequately address the root cause of identified issues found in the business lines and evaluate whether corrective actions are sustainable. Conduct a detailed review of evidence to support the closure and remediation of issues. Perform detailed re-tests to support issues have been effectively implemented and the related risk exposure has been reduced. Conduct credible challenge and provide Senior Management with value added feedback to verify issues have been appropriately resolved. Process Improvement: Development and implementation of compliance-related policies & procedures including Fraud investigations. Responsible for assessing model risk, deconstructing models to check integrity. Work closely with business line risk management, subject matter experts, and IIV management to address matters of concern and ensure issues are properly remediated.

Identify trends, including repeat issues and inadequate corrective actions taken by business line.

Perform periodic re-testing to verify the adequacy of business unit and testing team remediation.

Create reporting for management based on the results of the validation review.

Teliant Compliance Loan Auditor Dallas, TX hours worked 40 05-18 to 6-18

Audit the credibility and accuracy of evidence provided in support of the Repurchase claim.

Provides written appeals in those instances where the allegation does not meet the requirements of a breach of the respective mortgage contracts. Software Used Empower, Calyx, LPS-Black Knight,

Reviews individual mortgage origination/post origination documentation and performs database research to obtain information needed to analyze the claim and research all loan servicing information and RESPA documentation for completion. Excel, spreadsheets, Word.

Collabera/Bank of the West San Ramon, CA

Compliance Loan Auditor-AML-BSA-Sanctions Analyst hours worked 40 03-18 to 05-18

Communicate regulatory information to multiple departments and ensure that information is interpreted correctly.

Maintain documentation of compliance activities, such as complaints received or investigation outcomes.

Risk Mitigation: Investigating and reporting suspicious activity such as fraud cases associated with the bank and its departments. Analyzed CDD/EDD documentation, including legal documentation.

File appropriate compliance reports with regulatory agencies. Conduct the internal investigation of compliance issues. Identify compliance issues that require follow-up or investigation. Report violations of compliance or regulatory standards to duly authorized enforcement agencies as appropriate or required. Conduct periodic internal reviews or audits to ensure that compliance procedures are followed. Verify that all firm and regulatory policies and procedures have been documented, implemented & communicated. Discuss emerging compliance issues with management or employees. Keep informed regarding pending industry changes, trends, and best practices and assess the potential impact of these changes on organizational processes. Advise internal management or business partners on the implementation or operation of compliance programs. Consult with corporate attorneys as necessary to address difficult legal compliance issues. Monitor compliance systems to ensure their effectiveness. Conduct forensic financial investigations for TILA\RESPA-TRID- Compliance- AML -BSA – Anti Money Laundering- SAR’s, USA PATRIOT Act, Money Laundering Crimes. VISO & Data

Mapping, Pivot Tables & V-Look-Up, money wire transfer- commercial- personal accounting tracking.

SBA Loan Officer Sacramento, CA hours worked 60 12/2017 to 03/2018

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Approve loans within specified limits and refer loan applications outside those limits to management for approval.

Meet with applicants to obtain information for loan applications and to answer questions about the process.

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. Review and update credit and loan files. Review loan agreements to ensure that they are complete and accurate according to policy. Compute payment loan documentation and credit underwriting including cash flow analysis and loan structuring. Underwrite complex mortgage loans for high net worth clients Perform complex income / tax return analysis. Approve loans within credit authority and in accordance with MSPBNA credit policy and credit culture. Proactively manage assigned pipeline. Self-Employed borrowers on-conforming loans including loans held in entities. LLCs and Trusts.

Vanguard FEMA Inspector Orlando, FL hours worked 75 09/2017 to 011/2017

Communicating and coordinating with other staff involved in the program delivery process for

Applicants performing accurate quantification and detailed description of disaster related damage,

Including debris. Taking representative photographs that depict damage claims. Completing sketches of sites to supplement photographs and capture profile and cross-sectional perspectives writings a detailed

Damage description and obtaining the applicant representative’s agreement that all disaster-related

Damage was described and quantified correctly and delivering the completed site inspection information to Site Inspector Task Force Leader.

Cushman &Wakefield/ Bank of America Charlotte, NC hours worked 72 02/2017 to 09/2017

Commercial RE - Loan Auditor Banking Software Loan IQ

Performs commercial business auditing activities, such as requirements analysis, business process modeling, and the creation of use cases, business rules, techniques. Excel, spreadsheets, Word, PowerPoint. Collaborates with stakeholders (internal and external clients with syndicate

Commercial Syndicate loan ranging from 1MM dollar to 1-Billion-dollar Credit Facilities and money wire transfer- commercial- personal accounting tracking.

Performs business analysis activities, such as requirements analysis, business process of creating a customer, Create Bilateral and Syndicated Deals, Service Deals, Create Secondary Trades, Understand Portfolio Management, Use Collateral, Use Document Tracking, Amendments, Document Tracking.

Ad Hoc Queries, setting up a Simple Sole Lender Deal and Facility, Servicing Loans SBLCs, setting up a Host Bank Agented Syndicated Deal, Servicing a Syndicated Deals.

Secondary Sales, Collateral, Ad Hoc Queries, Ticklers. Pivot Tables & V-Look-Up

Self-Employed borrowers on-conforming loans including loans held in entities i.e. LLCs and Trusts.

Ampcus Lake Mary, FL hours worked 80 06/2016 to 11/2016

Sr Business Analysis- Velocity Banking Software Upgrades Fi-Serv Velocity

Performs business analysis activities, such as requirements analysis, business process modeling, and the creation of use cases, business rules, glossaries, diagrams, user interface, and responsibility specifications using Rational Unified Process (RUP) techniques VISO, SQL, Queries & Data Mapping for software upgrade project. Excel, spreadsheets, Word, PowerPoint. Pivot Tables & V-Look-Up, money wire transfer- commercial- personal accounting tracking.

Collaborates with stakeholders (internal and external clients), and leads requirements-elicitation workshops, evaluating feasibility and negotiating priorities.

Determines whether requirements can be reused or adapted.

Works on small to medium projects independently and can work on large to complex projects with minimal supervision. TILA\RESPA-TRID- Compliance- AML -BSA - SAR’s, USA PATRIOT Act, Money Laundering Crimes.

Leads in identifying and understanding problems and opportunities.

Articulates the key business problem and provides options for a solution.

Participates in estimation activities.

Consults in the creation of other project artifacts as noted by Fiserv's RUP Development Case.

Reviews test cases, release literature, and user documentation.

May conduct internal and external presentations to demonstrate executable software.

May develop material and conduct internal functional release training.

Participates in performing causal analysis and recommending best course of action for continual improvement.

Clayton Group Tampa, FL hours worked 60 05/2016 to 06/2016

Compliance Loan Auditor

Reviews individual mortgage origination/post origination documentation and performs database research to obtain information needed to analyze the claim and research all loan servicing information and RESPA documentation for completion. Money wire transfer- commercial- personal accounting tracking.

TILA\RESPA-TRID- Compliance- AML -BSA – Anti Money Laundering inconsistencies may be indicative of potential mortgage fraud. TILA\RESPA-TRID- Compliance- AML -BSA – Anti Money Laundering Crimes.

Recalculates the numeric loan parameters where applicable to the allegation of a breach.

Excel, spreadsheets, Word, PowerPoint.

Cognitive Options Deloitte Dallas, Tx Hours worked 50 03/2016 to 04/2016

Compliance Loan Auditor

Audit the credibility and accuracy of evidence provided in support of the Repurchase claim.

Provides written appeals in those instances where the allegation does not meet the requirements of a breach of the respective mortgage contracts. Software Used Empower, Calyx, LPS-Black Knight,

Reviews individual mortgage origination/post origination documentation and performs database research to obtain information needed to analyze the claim and research all loan servicing information and RESPA documentation for completion. Excel, spreadsheets, Word, PowerPoint. Money wire transfer- commercial- personal accounting tracking.

Assess if the loan was originated consistent with applicable underwriting practices and loan program guidelines.

Assess whether an alleged breach is material when applicable under the terms of the respective mortgage contracts.

Analyzes origination documents and determines whether any inconsistencies may be indicative of potential mortgage fraud. TILA\RESPA-TRID- Compliance- AML -BSA – Anti Money Laundering Crimes and credit analysis.

Recalculates the numeric loan parameters where applicable to the allegation of a breach.

Meet daily quota of 3.0 appeals per day; excellent writing ability and communication is essential.

Green Key / FIS Maitland FL hours worked 50 11/2015 to 02/2016

Compliance Loan Auditor

Audit for regulatory change, organization of Regulatory Compliance Policy & Procedures.

Assist with file reviews for compliance; such as, RESPA reviews, accurate COC generation, HPML, etc.

Monitor regulation updates, training timelines, course information dissemination and attendance tracking.

Assist in the management of external compliance reviews and regulatory examinations.

Instrumental in updating of training materials and related projects to support company growth and regulations.

The Periodic Transaction Review and Period Statement Review and credit analysis.

Provide employee and co-working compliance training TILA\RESPA-TRID- Compliance- AML -BSA – Anti Money Laundering. Excel, spreadsheets, Word, PowerPoint.

Research and provide relevant conclusions/recommendations for all compliance related issues and questions

Assist with interpreting, analyzing and implementing state or federal regulations.

Compose written reports of compliance findings conclusions and recommendations.

Conduct Fair Lending analysis and risk assessment and prepare reports for management

Assist in implementation of new and revised regulations

Conduct Fair Lending analysis and risk assessment and prepare reports for management

Crete and enhance compliance monitoring review program emphasizing regulatory and legal compliance and adherence to established procedures.

Warbirds /FDIC– San Juan Puerto Rico hours worked 80 03/2015 to 08/2015

Asset Professional-Mortgage Pipeline Auditor Doral Bank PR

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Structuring, auditing and presenting loan requests in accordance with internal policies and procedures.

Reviewing loans within assigned limits and managing loan and portfolio credit quality.

Overseeing and ensuring accuracy and performance of loan administration and processes, such as receipt of applications, from prospective applicants, completeness of loan packages and timely processing, funding, and closing of committed loans. Reviewed all loan servicing and RESPA documents for completeness.

Review loan requests thoroughly and present recommendations for approval or denial of requests in format consistent with bank policy and regulatory guidelines and reviewing all loan servicing and RESPA document for accuracy and completeness. TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering Crimes.

Demonstrated follow-up skills and completeness of work by monitoring loans booked to maintain compliance with loan agreement and bank policy. Excel, spreadsheets, Word, PowerPoint.

Complete review of loan requests in a timely and thorough manner.

Complete reviews of direct report and credit analysis. Money wire transfer- commercial- personal accounting tracking.

Compiling and analyzing market research data to develop or increase the competitiveness of current product and service offerings.

USBank Mortgage Default Specialist Irvine, CA hours worked 60 03/2014 to 09/2014

Compliance Loan Auditor

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Working knowledge of foreclosure law and terminology,

Process to ensure Foreclosure timelines are being met and in compliance with key performance metrics.

Manage the timely and accurate processing of tasks assigned to it outsource vendors.

Review and analyzes any exceptions received from the outsource vendor (i.e. high bid loss, hazard insurance claims, litigation, fraud, credit analysis) and performs or escalates the necessary action in a timely manner.

Monitor all outsource vendor’s processes and provides direction and support as needed for the foreclosure portfolio. Self-Employed borrowers on-conforming loans including loans held in entities i.e. LLCs and Trusts

Provide excellent customer service to all internal and external customers. TILA\RESPA-Compliance- AML -BSA – Anti Money Laundering Crimes, SAR, Excel, spreadsheets, Word, PowerPoint.

Make recommendations for and participates in the implementation of process improvements as needed or identified. Money wire transfer- commercial- personal accounting tracking.

Utilize existing reports and other performance tracking mechanisms to reinforce and ensure compliance with key performance metrics. Software Used Core Logic, Empower, Calyx, LPS-Black Knight

Cognitive Options -Bank of America Westlake village, CA hours worked 60 04/2013 to 08/2013

Compliance Loan Auditor /FHFA lawsuit

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Audit the credibility and accuracy of evidence provided in support of the Repurchase claim.

Provides written appeals in those instances where the allegation does not meet the requirements of a breach of the respective mortgage contracts. Software Used Empower, Calyx, LPS-Black Knight

Reviews individual mortgage origination/post origination documentation and performs database research to obtain information needed to analyze the claim and research all loan servicing information and RESPA documentation for completion. TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering Crimes, SAR, OFAC & USA PATRIOT Act.

Assess if the loan was originated consistent with applicable underwriting practices and loan program guidelines.

Assess whether an alleged breach is material when applicable under the terms of the respective mortgage contracts.

Analyzes origination documents and determines whether any inconsistencies may be indicative of potential mortgage fraud and credit analysis, Excel, spreadsheets, Word, PowerPoint.

Recalculates the numeric loan parameters where applicable to the allegation of a breach.

Meet daily quota of 3.0 appeals per day; excellent writing ability and communication is essential

Edge/Mac – Anaheim, CA hours worked 45 01/2013 to 04/2013

Compliance Loan Auditor / FHFA lawsuit

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Detailed knowledge of the audit processing, both automated and manual underwriting. Manually underwritten using Edge Mac desktop for income calculations and financial review worksheets (Fannie Mae & Freddie Mac and FHA). In depth knowledge of conventional, conforming, and non-conforming, Excel, spreadsheets, Word, PowerPoint.

Underwriting if experience includes jumbo and/or non-conforming & Schedule K-1 loan.

Approved, declined, or suspended residential mortgage loan submissions based on a full credit underwrite.

Maintain pipeline management of underwriting files a day while signing off on conditions.

Evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, and products within company and industry guidelines.

Identifying issues and challenges on post-closing files and research all loan servicing information and RESPA documentation for completion. TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering, USA PATRIOT Act.

Re verifying and confirming previous work on underwriter’s credit analyst.

Handling complex mortgage/modification transactions. Money wire transfer-commercial-personal accounting tracking.

Reviewing loan modification packages. Software Used Calyx, LPS-Black Knight

Manage a certain loss amount due to Lenders

Examine loan documentation for accuracy and completeness.

Jumbo mortgage transactions for high net worth individuals.

Self-Employed borrowers on-conforming loans including loans held in entities i.e. LLCs and Trusts

Withdrawn and decline loan as appropriate.

Responsible for wavering and re-selecting loan files.

Reporting out of audit results for comprehensive evaluation of skill set training needs and performing action plans.

Validate income, assets, collateral documents, and qualifying self-employment borrowers. Reviewing AVM and BPOs.

Interthinx \First American - Fannie Mae – Santa Ana, CA hours worked 50 03/2012 to 12/2012

Internal Compliance Loan Auditor

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Detailed knowledge of audit processing, both automated and manual underwriting. Manually underwritten using agent desktop for income calculations and financial review worksheets (Fannie Mae & Freddie Mac). Schedule K-1 Loans. In depth knowledge of conventional, conforming, and non-conforming, TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering, OFAC & Patriot Act.

Approved, declined, or suspended residential mortgage loan submissions based on a full credit underwrite.

Maintain pipeline management of underwriting files at least 5 files a day while signing off on conditions,

Evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, and products within company and industry guidelines.

Identifying issues and challenges on post-closing files

Re verifying and confirming previous work on underwriter’s credit analyst.

Handling complex mortgage/modification transactions

Reviewing loan modification package. Excel, spreadsheets, Word, PowerPoint.

Manage a certain loss amount due to Lenders

Examined and research all loan servicing information and RESPA documentation for completeness.

Withdrawn and decline loan as appropriate. Money wire transfer- commercial- personal accounting tracking.

Self-Employed borrowers on-conforming loans including loans held in entities i.e. LLCs and Trusts.

Reporting out of audit results for comprehensive evaluation of skill set training needs and performing action plans.

Validate income, assets, collateral documents, and qualifying self-employment borrowers. Reviewing AVM and BPOs.

Solomon Edwards\Bank of America- Pasadena CA hours worked 60 10/2011 to 01/2012

OCC- Compliance Loan Auditor

Restructuring, modifying or loss mitigation of mortgages secured with residential property that qualify under the U.S. Treasury Department Home Affordability Modification Program (HAMP).

Compliance with Patriot Act.

Evaluates credit decisions for accuracy based upon established risk parameters and in accordance with policy, program, and product guidelines including all loan servicing and RESPA documents.

Examines several different types of lending (conventional, government-backed, home equity, etc.).

Responds to company, individual, and investor audits. Excel, spreadsheets, Word, PowerPoint.

Assists with fraud detection and prevention

Review files for fraud and money laundering and credit analyst.

Responds to company, individual, and investor audits

Reviews Loan Modification decisions for completeness and accuracy.

File review includes document review, income calculations, coding, and decision accuracy and research all loan servicing information and RESPA documentation for completeness.

Jumbo mortgage transactions for high net worth individuals

Assists team in gathering and organizing data that will help track, report and manage internal control gap issues and mitigation plans

Provides analytical, administrative support within an internal control environment.

Banking Security Act, Patriot Act, Anti-Money Laundering guidelines, OFAC & Suspicious Activity Reporting Requirement.

TILA\RESPA-Compliance- AML -BSA – Anti Money Laundering

Thompson, Cobb \ FDIC– Dallas, TX hours worked 55 02/2011 to 05/2011

Compliance Loan Auditor Multi Family-(Commercial)

Process home and/or business loans and make recommendations on collateral needed to secure loans.

Performed residential and commercial mortgage loan auditing services for numerous clients including Credit analyst. Structuring, underwriting and presenting loan requests in accordance with internal policies and procedures.

Approving loans within assigned limits and managing loan and portfolio credit quality.

Overseeing and ensuring accuracy and performance of loan administration and processes, such as receipt of applications, from prospective applicants, completeness of loan packages and timely processing, funding, and closing of committed loans. Reviewed all loan servicing and RESPA documents for completeness.

Review loan requests thoroughly and present recommendations for approval or denial of requests in format consistent with bank policy and regulatory guidelines.

Demonstrated follow-up skills and completeness of work by monitoring loans booked to maintain compliance with loan agreement and bank policy.

Developing referral relationships in order to proactively solicit business and product sales-related activities to meet specific loan volume origination goals.

Complete review of loan requests in a timely and thorough manner.

Jumbo mortgage transactions for high net worth individuals

Compiling and analyzing market research data in order to develop or increase the competitiveness of current product and service offerings. Excel, spreadsheets, Word, PowerPoint.

Authority to approve, withdraw and decline loans.

Responded directly to individual and investor audits.

Worked with loan originators and production staff to secure all required documentation.

Waterstone Asset Management Commercial CRE Loan Auditor hours worked 50 10/2010 to 10/2010

Auditing of Multi Family Commercial and providing reporting assistance, providing contractor support at failed institution. Assist the FDIC in identifying owned real estate and providing a full range of asset management, credit analysis and marketing services for bank-owned real estate and the management of the loss share agreements.

TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering, Excel, spreadsheets, Word, PowerPoint, jumbo mortgage transactions for high net worth individuals, Schedule K-1 Loans, money wire transfer- commercial- personal accounting tracking.

RSM McGladrey, LLC\FDIC – Cleveland, OH hours worked 70 12/2009 to 08 2010

Asset Professional-(Commercial)

Performed residential and commercial mortgage loan auditing services for numerous clients including Credit analyst, Structuring, underwriting and presenting loan requests in accordance with internal policies and procedures.

Reviewed wholesale mortgage loans submissions and issued conditional loan approvals in compliance with and bank guidelines. Excel, spreadsheets, Word, PowerPoint. Network technologies for VISO, SQL, Queries & Data Mapping.

Verify all documentation in compliance with underwriting guidelines.

Calculate income and performed debt to income ratio analysis.

Analyzed credit reports, financial statements, appraisals and title reports to ensure loan packages met funding and underwriting guidelines, Schedule K-1.

Reviewed mortgage loans submissions and issued conditional loan approvals in compliance with client’s guidelines.

Responsible for exception underwriting /credit analysis for residential and investment property loans/initiate counteroffers to a different program or product when appropriate.

Confirmed the capability of client in returning the loan on time

Carried out confidential inquiry to check the information provided by the loan seeker.

Handling complex mortgage

Fraud detection technique and renegotiation of loans.

Reviewing title work for the subject property

Looked for documents that supported closed file.

Deloitte/FDIC/ Asset Professional Commercial hours worked 50 08/2009 to 09/2009

Provide contractor support at failed financial institution closings. Assist the FDIC in identifying owned real estate and provide a full range of asset management and marketing services for bank-owned real estate obtained from failed financial institutions nation-wide. Worked in Loan Operations as an Asset Servicing Professional providing services identifying Contracts & Leases for the bank’s operations contracts and the eventual Repudiation of contract not contracted by the assuming institution. jumbo loan transactions for high net worth individuals.

TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering, Excel, spreadsheets, Word, PowerPoint.

Quantum/FDIC /Investigation Lead Commercial hours worked 70 02/2009 to 03/2009

Quantum- Investigation Lead - Security Savings Bank, Audit document claims against third parties for the benefit of the receiverships of failed financial institutions, analyst documents, develop investigation & status reports, document and develop claims and claims pursuit, Interview failed bank employee. TILA\RESPA- Compliance- AML -BSA – Anti Money Laundering, Excel, spreadsheets, Word, PowerPoint. VISO, SQL, Queries & Data Mapping.

Mir, Mitchell\FDIC Houston TX hours worked 70 11/2008 to 02/2009

Asset Professional FDIC-(Commercial)

Performed residential and commercial mortgage loan auditing services for numerous clients including Credit analyst, Structuring, underwriting and presenting loan requests in accordance with internal policies and procedures.

Reviewed wholesale mortgage loans submissions and issued conditional loan approvals in compliance with and bank guidelines including all loan servicing and RESPA documents.

Verify all documentation in compliance with underwriting guidelines.

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