Christina Harless

**** ***** ***** **. ****: 727-***-****

Palm Harbor, FL 34683 adewek@r.postjobfree.com

SitusAMC – Comp/Credit/TRID Analyst Tampa, FL 2/2018- Current

Perform Post Close Compliance/Credit and TRID compliance reviews on both Non-Conforming and Conforming loans up to $4MM. Maintaining an above average Quality Control Score and less than average completion time.

Expert knowledge obtained on underwriting complex income including Self Employed Borrowers, S- Corps and C corps and other complex income.

Complete review of all files including that of appraisal(s), Title, all income and Ratios calculations, guideline adherence with overlays if they pertain and all asset documents.

Document all inconsistencies found in the underwriting review for client remediation.

Planet Home Lending Purchasing Team Lead Tampa, FL 8/2016-10/2017

Performed a Post-Closing purchase review audit on both delegated and non-delegated loan

products from Fannie Mae and Freddie Mac. Full loan programs knowledge of FHA, FHA

Streamline, VA, VA IRRL, 203K Standard and Limited, HomeReady, USDA, Jumbo and Conventional.

Analyzed applicants' financial status, credit and property evaluation to determine feasibility

of granting loan. Including verification of all items listed on the Final submission of DU (Desktop Underwriter) or LP (Loan Prospector); additionally, ensuring that PHL's overlays program overlays were met. Validated the Originating lender adhered to all federal and state compliance guidelines for

retail mortgage lending.

Boosted company efficiency through technology upgrades and process improvements such

as Sample Compliance Testing.

Additionally, identified inefficiencies and made recommendations for process improvements.

Contributed in updating PHL's Correspondent Seller's Guide. Created Training Program and tools for Correspondent lending Division.

Interviewed and trained new employees on PHL processes and Encompass systems.

PennyMac Loan Services Correspondent Auditor II Tampa, FL 08/2015- 08/2016

Completed loan eligibility and purchase review audits of delegated loan submitted by

lenders for purchase consideration

Validate all loan documents required by Federal and State Law including all documents

typical to a loan submission, DU Underwriter, Loan Prospector and any documents required

for verification on the underwriting approval (bank statements, VOE's, gift letters, etc.).

Compliance review of lenders submissions for adherence to standards required by

PennyMac in addition to CFPB requirements for TRID documents and timelines.

Created training tools still in use by the training department for the ease of workflow

management for new hires

Education and Training

2015 St. Petersburg College (SPC)

Associate of Arts-Business

Additional Education: Attendance to 25+ FNMA webinars on all Post-Closing and

Underwriting topics including the MORA Review, Change of Circumstance training, Identifying

Collateral Risk etc. Course List available upon request.

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