Analyst Loan

JERMAINE EVANS

Fort Worth, TX ***** 972-***-****

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

Summary of Qualifications

Risk Management Compliance Testing Underwriting Consumer Quality Control

Vendor Relations Aircraft Aviation Workflow Prioritization Team Building Financial Fraud

State and Federal Government Agency Communication Customer Service

Professional Highlights

Texas Bank Financial, FT. Worth, TX 02/20-Present

Compliance Analyst

●Perform a post-closing and pre-funding loan analysis to ensure loan documents, data, and timelines are in accordance with company policies and procedures, and state and federal regulations.

●Performs a variety of duties both clerical and technical related to TRID, and HMDA guidelines.

●Manage a pipeline of loans assigned each month to meet production and quality metrics.

●Manage daily compliance questions and responding to inter-departmental requests.

●Operate various software programs to identify compliance issues for deficiencies based on state and federal guidelines

Planet Home Lending, Irving, TX 06/19-12/19

Compliance Analyst

●Perform a post-closing and pre-funding loan analysis to ensure loan documents, data, and timelines are in accordance with company policies and procedures, and state and federal regulations.

●Manage a pipeline of loans assigned each month to meet production and quality metrics

●Write clear, concise, and accurate loan defects into the system of record.

●Document findings to provide an accurate and detailed picture of the defect.

●Develop testing for federal and state regulatory requirements and ensure policies and procedures are followed by the business units.

●Report any fraud to agencies that did not meet FHA, VA, USDA, FNMA, and FHLMC or TRID guidelines.

American Airlines, DFW Airport 12/14 – Present

Fleet Service Clerk (Part-Time)

●Handle items on and off aircraft and transporting items between terminals and aircraft.

●Service aircraft externally including potable water, external electricity, air start, and preconditioned air.

●Assist in loading, unloading, and stacking both filled and empty drums with luggage, mail, and cargo.

●Read and fill out legibly, documents and forms necessary to the operational requirements of the airline which includes the ability to perform data entry.

PennyMac USA, Fort Worth, TX 05/18-05/19

Risk Business Analyst II

●Develop testing for federal and state regulatory requirements and ensure policies and procedures are followed by the business units.

●Conduct timely reviews and training sessions with the business units to comply with all government and regulatory testing.

●Demonstrate behaviors which are aligned with the corporate desired culture and values.

●Monitor and send recurring various audit reports target audits and trends to prevent penalties from external audits.

Rushmore Loan Management, Dallas, TX 08/16 – 04/18

Sr. Compliance Analyst

●Maintain the importance of Origination and Servicing business units in evaluating and strengthening their internal controls.

●Develop testing for federal and state regulatory requirements and ensure policies and procedures are followed by the business units.

●Assist with business units by investigating and responding to compliance questions or issues from operations.

●Conduct timely reviews and training sessions with the business units to comply with all government and regulatory testing.

●Prepare monthly reports for board members and the business units by summarizing and rating the findings found in the random, discretionary, and targeted audits.

●Reported any fraud to agencies that did not meet FHA, VA, FNMA, and FHLMC or TRID guidelines.

Contracting and Government Assignments

QA Underwriter - US Bank, Dallas, TX-03/2016-08/2016.

Compliance Analyst- Carlisle & Gallagher, Dallas, TX- 09/2015-03/2016

Due Diligence Analyst – Goldman Sachs, Irving, TX- 03/2015- 08/2015

Compliance Analyst II – USAA, Plano, TX- 04/2014-10/2014

Forensic Underwriter - Recovco Mortgage Management, Irving, TX- 04/2013-04/2014

Loan Specialist - Small Business Administration, Ft, Worth, TX-11/2012-04/2013

Underwriter - Prime Lending, Plano, TX-07/2012-11/2012

QC Auditor – Corelogic, Westlake, TX - 04/2012-07/2012

QC Auditor- HUD, Irving, TX – 10/2011-04/2012

CitiFinancial, Irving, TX 07/09 – 09/11

Loss Mitigation Specialist III

●Processed conventional, FHA and Fannie Mae loans ensuring compliance with Federal and State guidelines.

●Verified that income, assets, employment, and credit reports met all underwriting guidelines.

●Communicated with borrower concerning underwriting stipulations to finance loan funds.

●Performed HMDA reviews of applications, TIL, OFAC, and Compliance Ease, prior to closing loan.

●Participated in various ad-hoc processes as requested by the line of business.

Nationstar Mortgage, Lewisville, TX 11/08 – 06/09

Loss Mitigation Specialist

●Processed conventional, FHA and Fannie Mae loans ensuring compliance with Federal and State guidelines.

●Verified that income, assets, employment, and credit reports met all underwriting guidelines.

●Communicated with borrower concerning underwriting stipulations to finance loan funds.

●Performed HMDA reviews of applications, TIL, OFAC, and Compliance Ease, prior to closing loan

● Participated in various ad-hoc processes as requested by the line of business.

Bear-Stearns, Lewisville, TX 11/06 – 11/08

Underwriter-Bear Stearns, Lewisville, TX-12/2006 - 11/2008

●Processed conventional, FHA and Fannie Mae loans ensuring compliance with Federal and State guidelines.

●Verified that income, assets, employment, and credit reports met all underwriting guidelines.

●Communicated with borrower concerning underwriting stipulations to finance loan funds.

●Served as a liaison between underwriting, sales, and title and escrow vendors. Developed rapport with sales and brokers on pipeline management.

●Performed HMDA TILA, RESPA and Compliance Ease reviews prior to closing loan.

Education and Training

Bachelor of Science in Organizational Management

Lubbock Christian University, Lubbock, TX

Technical Skills

Environments: Retail Sales Telecommunication (Auditing) and Mortgage (Origination and Default Servicing)

Processing Applications: Windows XP/NT/VISTA, Window 7, 9 and 10. (Word, Excel Pivots, PowerPoint, Outlook, Access). Business Applications: Loan Quest, Unifi, LPS, MSP, Encompass, Point,, Tena, Aces,Citrix, FISERV, Mortgage Serv, PeopleSoft, DRI, HAMP (MAT TOOL) Vendorscape, Maestro, CACS, Fannie Mae DU & DO, Loan Prospector (Freddie Mac), FHA Connection, Fast Data, LexisNexis, Fortracs, AS400, LOS. Anti-Money- Laundering system tools: OFAC, Compliance Ease, MERS and Mavent.

Certifications

●FHA Direct Endorsement (DE) #GD11 2007-no expiration date

●Housing and Urban Development (HUD) National Servicing for Audit Default since 2012

●OSHA &Dangerous Goods

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