Mortgage Processor Credit Analyst

JANICE AZAR

401-***-**** **********@*****.***

PROFESSIONAL SUMMARY

Extensive experience in the banking/financial industry. Professional expertise positions included compliance manager, commercial credit analyst, small business merchant credit analyst, and junior mortgage residential writer. Career Objective: Regulatory Compliance/Operational Business Analyst Position – continuance of compliance education and training certification completion in order to maintain awareness of evolving regulatory changes. CORE COMPETENCIES

Strategic Planning

Executed in BLA Compliance

Reviews

Conducted business assurance

reviews in lending/consumer loan

transactions within internal

banking business units

Completed compliance BLA

reviews for self-testing/

monitoring for risk rating

recommendations to senior

management

Project Management

Certified Strong

facilitation and relationship

management skills Ability

to negotiate, influence senior

management Strong execution

and mobilization skills

Strong verbal and written

communication skills; very strong

influencing, facilitation, and

partnering skills. facilitation and

relationship management

partnership skill

Small Business/Consumer Credit

Cards Banking Regulations

Expertise

Commercial/residential/credit

card lending expertise in

regulation/Federal Acts,

inclusive of HMDA, GLBA,

RESPA, Regulation Z/B/AA,

FDPA, FEMA, SOX, Fact Act,

Electronic Fund Transferring

inclusive-.all new/existing

respective banking lending

regulations mandated prior to

regulatory visits to respective

banking lending business units

Proven ability to work

independently and effectively in a

complex environment with multi-

location team structure

GAPP concepts SME

Ability to negotiate, influence

senior management Strong

execution and mobilization

skills

Compliance Business Assurance

Audits in Commercial Lending,

Commercial Loan Servicing,

Residential Mortgage, Internal

Fraud, Technology, DFS, RBS Asset

Finance, On-Line Banking Business

Units

Risk Management /Operational

expertise primarily focusing on

consumer residential/land

commercial lending/credit card

lending servicing/products

Residential/Commercial

Regulatory Mortgage Banking

Compliance Management

Expertise

Skill sets: multi-task.

Provide a strong leadership

presence, strong team-orientation

and interpersonal skills, flexibility,

and strong analytical skills

Proven ability to work

independently and effectively in a

complex environment with multi-

location team structure

PROFESSIONAL EXPERIENCE

INTERCONTINENTAL CAPITAL GROUP 6/2021 – Present

Senior Processor

Communicated with customers, colleagues, and leadership

Performed daily routine, recognizing the goals and results needed to stay current and grounded in In all industry trends and changes

Delivered on all key performance metrics to meet or exceed monthly funding loans, loan quality scores, loan cycle times, loan conversion targets, daily new loan assignment requirements and annual company training and licensing standards

Experienced in both Purchase and Refinance transactions, all documentation types (streamline as well as full doc) and all loan products conventional, VA, FHA, and USDA LOAN DEPOT 3/2021 – 6/2021

Loan Processor III

Reviewed loan files and determined what documentation was required to meet investor guidelines

Communicated and responded to internal customers (Loan Consultants, Processing Managers) and external customers (borrowers, third party vendors)

Utilized pipeline reports to manage loans and prioritize daily workflow 2

Proficient with document management system and demonstrated exceptional data integrity where all information in system is accurate

Consulted with Loan Processing Manager weekly on loan status and prioritize workflow accordingly

Maintained current knowledge of guideline and loan programs

Requested, organized, and processed loan documentation and independently submitted 18-23 files to Underwriting monthly

Managed a pipeline of approximately 25-35 loans

Funded approximately 20 loans per month

Assisted with mentoring new Loan Processors on team

Acted as backup to Processing Manager

Performed other related duties as assigned and required GUARANTEED RATE 9/2020 – 2/2021

Mortgage Processor

Worked closely with Loan Officers to ensure timely and accurate experience for clients throughout the entire mortgage process

Scheduled and tracked closing dates, contingency dates, and loan lock expirations

Reviewed loan approvals and addressed all conditions required for underwriting and closing

Received ongoing, comprehensive training to become an expert on home loan products and the mortgage process

Prepared and submitted loan files to the Closing Department

Used state-of-the-art technology to manage loan pipeline and conduct credit and underwriting analysis

Provided customer service and consultative guidance to clients

10+ years of processing experience

Expertise in all mortgage processes

Expertise in Encompass mortgage system

Meets and exceeds closing loan requirements

Experience using Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector

Excellent disposition, mindset, communication skills, and work ethic

Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment

Strong listening, problem-solving skills and out-of-the-box thinking

Love of and desire to serve clients

A commitment to integrity and customer service

PRIME LENDING, East Greenwich, Rhode Island 7/2020 – 9/2020 Mortgage Processor

Primary liaison between the loan officer, loan officer assistant, realtors, builders and the customer(s)

Maintained knowledge of all policies and modifications to the guidelines and standards of the company federal housing programs, investors, and private mortgage insurers

Maintained and updated loan application information within loan origination software and other applications

Regular follow-ups with outside sources regarding outstanding documents, orders appraisals, title, survey, verifications, and any other items required for loan approval

Verification of data collected and analysis of whether it met guidelines or if other documentation was needed; document communication through the conversation log; ensured loan application was in compliance with underwriting, investor, RESPA, and HMDA guidelines

Calculated income and reviewed assets and liabilities

Reviewed all disclosures for completeness and compliance

Completed final evaluation and analysis of completed application packages and submitted eligible files specifying any applicable conditions

Monitored rate lock information for data integrity and expiration dates; communicated discrepancies to the Loan Officer

Maintained accurate pipeline to ensure proper projections, closings, and regulatory compliance with company, federal, and state standards

Prepared, when applicable, “Declination Letters.” Ensured accurate disclosure of the reason(s) for the adverse action as soon as it was determined that applicants did not qualify

Scheduled closing appointments with respective parties (i.e., title companies, closing attorneys, corporate closing department and customers etc.) Met customer service standards as outlined by management

Facilitated training of junior or newly hired processors regarding specific Prime operations including file flow, loan origination software, and other applications

Updated loan officer, loan officer assistant, realtors, builders and customers on loan status

Maintained communication with customers throughout the loan process, assisting them with any questions and notifying them of any additional requirements

3

Working knowledge of Fannie Mae/Freddie Mac and FHA/VA policies and guidelines, as well as Regulatory Mortgage Compliance, state, federal, local government, private investors and insurers

Working knowledge or the ability to learn all operating systems and possess the ability to facilitate training.

Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related programs

Excellent written and verbal communication skills

Excellent organizational and time management skills

Ability to interact effectively with branch, regional and corporate personnel, as well as realtors, sales agents, builders, appraisers, title companies, etc.

Judgment and decision-making ability

CVS HEALTH, Cumberland, Rhode Island 1/2020 – 7/2020 Pharmaceutical Relations Specialist

Customer relations position supporting CVS retail stores. Responsibilities included responding to customer calls in a manner reflective of the company vision, mission and values

Expertise in customer service skills to assist customers in an inbound customer contact center setting.

Reviewed and processed incoming phone calls, emails, and letters and responded to customers either on the phone or via written communications.

Excellent communication skills, including a strong command of the English language and the ability to clearly articulate program details to customers over the telephone, and in writing

Practical application of knowledge of pharmacy

Licensed as a pharmacy technician in Rhode Island SANTANDER BANK 1/2013 - 6/2019

Mortgage Retail Specialist III

Home Services Specialist II (Mortgage Processor)/Jr. Underwriter

Provided support to Mortgage Banking by reviewing and processing mortgage files. Also prepared files to be submitted to underwriting and obtained all outstanding conditions within commitment and contract dates. Follow-up on necessary documentation and communicates with borrowers, attorneys and Loan Officers

Communicated with borrowers, attorneys and Loan Officers

Monitored mortgage pipeline to ensure timely processing of mortgage files

Obtained reviews and approved necessary asset and employment documentation

Prepared files to be submitted to underwriting and obtained all outstanding conditions within commitment and contract dates

Knowledge of FNMA, FHLMC, FHA, VA, CFHA, investors and regulatory guidelines along with LP & DU experience

Reviewed LP and DU findings and credit reports

BANK OF AMERICA Tampa, FL 1/2012-8/2012

Home Services Specialist II (Mortgage Processor)/Jr. Underwriter

Responsible for processing loans approved by an Underwriter or an automated decisioning system within designated signing authority limits. Responsible for clearing conditions and issuing changes to the terms on previously approved loans. Responsible for but not limited to verifying conditions of approval which may include customer income/assets documentation. Resolved routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances

Maintained a high level of customer service by being proactive in communication with customers, including banking center associates, realtors, etc. Communication with customer and sales force in the closing process of the loan

Recognition card recipient from my loan pipeline internal compliance inline reviews

Adherence to Blue Print documentation and policy/procedures ADMIRALS BANK Providence, RI 2011 (contract position expired) Compliance Analyst

Assisted Compliance Officer in maintaining a current awareness of legal and regulatory developments and guidelines

Monitored legislative and regulatory developments and assisted Compliance Officer with reporting of compliance developments to management and other Bank personnel through the Compliance Committee

Assisted Compliance Officer with efforts to assure the compliance program was effectively maintained

Primary responsibilities included assisting the Compliance Department with compliance efforts and performing testing or monitoring as appropriate to ensure maintenance of an effective bank wide compliance program

Prepared bank for OCC exam

Understanding and working knowledge of regulatory guidelines including OCC and FFIEC 4

BANK OF AMERICA Taunton, Massachusetts 2010 – 2011 (contract position expired) Home Specialist I/Mortgage Processor

Home Loans

In consumer real estate fulfillment center. Made decision on loan applications up to the conforming loan limits, typically one-unit properties

Verified customer income documentation and resolved routine title issues including but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances

Processed subordinations; resolved appraisal disputes; and executed closing actions to ensure a timely and effective closing process

Expertise at trained BOA Home Fulfillment Center - Quality Control Function-Residential Checklist Function

Reviewed function approved loans prior to closing CITIZENS FINANCIAL GROUP, Providence, Rhode Island 2007 - 2009 Compliance Manager II (Officer)

Regulatory Risk & Compliance Management Department Compliance Manager in the Business Line Assurance function within Regulatory Risk & Compliance Management (RRCM), which conducts assurance reviews of business unit compliance programs on a periodic basis. Responsible for sound compliance program including ten program elements to be addressed and reviewed by RRCM Department. Effectively ensured minimum standards for each program element outlined to ensure that the business lines' compliance programs effectively ensure compliance applicable laws, regulations, guidelines, address BU's risk profile

Expertise in Regulatory Risk and Compliance Management initiatives, such as BIRR, Issue Tracking, ORC, RCSAs, and Implementation Tracking in order to ensure LOB and Senior Management is aware of and understands the compliance program in addition to other RRCM initiatives. Kept apprised of the "state of compliance" periodic reporting. Supported Regulatory Risk & Compliance Management ("RRCM") in the development, implementation, and maintenance of an effective regulatory risk framework that includes an internal control structure, training, ongoing monitoring, and the assessment, resolution tracking and reporting of issues

Supported businesses in the day-to-day management of regulatory compliance risks to challenge output from the businesses' assessment of their regulatory compliance risks (and associated mitigation and actions plans) and ensure that appropriate processes are in place to identify, assess, mitigate, monitor, and report operational and compliance risks at all levels

Interfaced with other risk and control functions within the division and the organization and ensured Regulatory Risk and Compliance. Responsible for monitoring and testing ongoing activities of assigned business to ensure compliance with regulatory requirements and business' procedures. Escalated deficiencies identified. Worked with business on enhancing or implementing controls to address deficiencies and implementing corrective actions. Reported results of assurance/targeted reviews to risk managers. Knowledge of key financial services regulations such as Basel II / III

Operational Risk, Technology Risk, and/or Operations Risk related projects with work experience in Supplier Risk Management

Tracked record of interfacing with and presenting results to Senior Management

Knowledge of key financial services regulations such as Basel II / III

Knowledge of standard Risk Management/Control frameworks including COSO, COBIT, ITIL

Expertise in regulatory guidelines including OCC and FFIEC

Possesses a comprehensive understanding of how the different projects collectively integrate to contribute towards achieving business objectives. Defined standard and customized reporting to meet management requirements

Built relationships with business risk managers and cross-functional team members

Collected, reviewed, documented and communicated business needs and regulatory requirements and act as an advocate to ensure their successful implementation

Facilitated business process meetings with business teams, identified improvement opportunities, analyzed business impact of future regulatory adherence audit reviews and aligned with end-state strategy with business unit risk managers

Identified project issues, risks, and facilitate remediation

Coordinated controls/testing of proposed regulatory process improvement with necessary stakeholders (business unit risk managers) and ensured participant feedback is appropriately incorporated

Provided required deliverable updates, reviews and other required communications

Persuaded and influenced stakeholders in other areas and occasional external parties through developed communication and negotiation skills

Contributed to the definition and implementation of the overall business strategy and goals

Impacted the business by influencing strategic functional decisions through advice, counsel or provided services

Deployed appropriate methods and tools to drive regulatory adherence in operational business units

RCSA review and analysis of accounting processes, reporting activities and regulatory submissions

Compliance with related process documentation and operating practices

Participated in the risk assessment of control activities for FRO processes 5

Sarbanes Oxley compliance activities

Reviewed/rewrote enhancements to Business Units upon compliance reviews SLADES FERRY BANK (acquired by Rockland Trust Bank) Somerset, Massachusetts 2004 - 2007 Commercial Credit Analyst, Commercial Lending Department

Analyzed loan request documentation and recommend credit rating approval or denial for requests, including real estate, operating companies, and annual review of existing portfolios

Analyzed business financial statements and tax returns Produced financial spreads of businesses upon receipt of tax returns and financial statements. Completed loan applications, including credit analyses and summaries of loan requests

FLEETBOSTON FINANCIAL (acquired by Bank of America) 1990 -2004 Providence/East Providence, Rhode Island

Credit Analyst, Small Business Merchant Service Department

Approved small business merchant applications to up to $1M in credit card processing volume and support of an $8.7B portfolio of 40,000 merchant accounts

Analyzed business credit reports financial statements and commercial credit offering memorandums. Met compliance guidelines to limit credit risk exposures and eliminate fraud accounts provided alternative means of risk mitigation

Provided consultant support to 57 sales representatives, 8 relationship managers, commercial bankers, merchants and internal staff to adhere to policy, procedures and quality enhancement

Contributed to the reduction of credit losses to less than .01% of processed volume

Expertise, knowledge and understanding working with vendor First Data Resource Service system

Cognos Business intelligence & performance management software knowledge

Received Non-Sales Award for top performer supporting sales to exceed revenue goals. Won the Small Business Services "Customers are Key Award"

Merchant Service Inside Telesales Representative, Small Business Merchant Service Dept.

Developed merchant relationships by initial telephone contact, explained product line, and quoted services, market terminals upon referrals from various banking units such as Consumer Banking and Small Business Banking.

Strategically negotiated pricing with customer within established perimeters. Compiled quality applications with legal, credit, and marketing guidelines for approvals. Generated new business referral sources from various business partners within the commercial banking relationship divisions. Consistently met and exceeded monthly 30-unit sales goals Regional Assistant, Fleet Mortgage Company

Interim Team Leader for region including 80 staff members. Reconciled sales reports, assumed administrative tasks and worked on special reports as assigned by Regional Team Leader

Provided support for six sales offices for resolution of mortgage issues. Assumed delegated underwriting tasks upon overflow of processor pipelines to expedite mortgage loan approvals Senior Processor, Junior Underwriter, Fleet Mortgage Company

Analyzed credit documentation and decision mortgages loan applications. Expert knowledge of Government, State Housing, Conventional and Non-conforming loans for Northeast and Southeast regions

Processed and made decisions consistently for 200 loan processor applications. Designated Processing Trainer for new staff. Selected as processor of the Affordable House Lending project. Independently processed a consistent pipeline of over 50 loan applications with a high level of approvals. "Special Projects Award" for $10M Affordable House Lending Loan Program Recipient

EDUCATION

BA, Social Work, Providence College, Providence, Rhode Island, PMP Certified @ Bryant University, Smithfield, RI CERTIFICATIONS

Application Maintenance and Optimization inVB.NET Basics of Six Sigma Projects and Teams, Design of Experiments & Validation of Solutions in Six Sigma Critical Requirements and Benchmarking for Six Sigma Business Performance and Financial Measures in Six Sigma, Creating Basic Presentations using PowerPoint 2003, Creating Visio 2007 Diagrams, Sharing Project Data and Working with Macros, Developing Project Charter/ Training Six Sigma Projects, Creating and Implementing, Database Projects in SQL Server 2008 Detail: Access 2003 Programmability Oracle Database 11g: Change Management Overview SQL Plan Management

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