Vickie Benniefield

*** * ******* ****** #***

Tampa, FL 33602

813-***-****

adpn61@r.postjobfree.com

Experience mortgage underwriter with 20 years of experiences in the mortgage industry. Review Loans for risk analysis and compliance with agency and inventory guidelines. Worked with various loans conventional, VA, FHA, USDA and Non-QM Loans.

Professional Work Experience

SitusAmerican Mortgage Consultants

Quality Analyst Specialist II August 2021- Present

Review closed loan documents to ensure compliance regulations and files are ready for securitization for client.

Provided feedback to underwriter or personnel manager on corrections made to files

Set exceptions on files for client to review and provide documentation to clear deficiency

Review documentation from client to determine sufficient documentation will clear deficiency for exception clearing.

Any questions regarding a condition that is questionable submit to compliance department for further review.

Review manual underwritten files, VA, FHA, USDA, and Dodd Frank Loans and Non-QM loans to make sure they were underwritten to the proper guidelines.

Audit a minimum of 8 loans per day with 99.00% accuracy per month

Assistant Vice President- Global Quality and Process Improvement August 2020-August 2021

Identify staff who is consistently not meeting quality expectations and work with such employees with training / re-training / refresher training as may be required, and work with managers to establish a remediation plan that will be measured and tracked.

Work with other team members to understand areas impacting quality, deal timelines, or profit margins and communicate those issues to management.

Work with quality control staff so that loans are high quality before being reported to the department heads on a given transaction; work to obtain one level of QC for transactions.

Work with underwriting personnel to reach higher quality and production standards such that their work is completed with minimal need for additional review.

Mentor high level employees into next level positions

Identify staff needing additional training and interface with such staff to provide necessary training.

Review underwritten loans

Assistant Vice President- Quality Management July-2019- July 2020

Monitor quality and/or production for the assigned team and aid in process to remediate quality and production not meeting established or required standards

Work with the AVP, C&C PM to ensure that developmental goals for specific personnel are being met and that overall review quality and proficiency are improving.

Identify quality trends and coordinate with Training to put together and/or lead supplemental training or retraining efforts for the assigned staff

Identify general performance trends and potential enhancements so that quality trends can be analyzed and incorporated into system changes

Monitor, review, and proactively manage the performance of employees to ensure that they are meeting the expected quality standards established by SitusAMC

o Utilize Q-score and other available tools to measure performance on a statistical basis

Identify any additional red flags and discrepancies before reporting to the client

Participate in data reconciliation efforts including data checks, data cleanup, and data comparisons, aid in data mapping

Ensure reports are generated and necessary corrections made to the data in the system

Provide the applicable guidelines, documentation, and job scope to the team conducting the reviews

Aid in the mapping of seller tape data or, when needed, compare seller information vs. review information for discrepancies in data or red flags

oCommunicate corrections directly with Tech Ops or with the CSM

Business Analyst/underwriter July 2017-July 2019

Identify red flags and discrepancies noted during the initial review of file

Run system logic against information captured and handled any exceptions that may come from the application of the logic against the data captured. Apply exceptions and handle validations to ensure a complete and accurate review of loan file.

Identify if file is in compliance and necessary steps in order to cure non-compliance issues

Compare seller info vs review, which involves the overall credit profile of the loan and the determination of risk regarding ability to repay

Underwriting conventional/VA, FHA conforming loan products.

KFORCE-USAA (Contractor) January 2017-July 2017

Underwriter Analyst

Reviewing loan files for completeness and accuracy.

Analyzing credit documents, including, but not limited to, mortgage applications credit history and income documents, title documents, appraisals and all applicable compliance documents.

Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.

Manual Frontline Underwriting conventional/conforming loan products.

Determining and documenting loan conditions and communicating requirements and/or decisions.

Identifies portfolio risks resulting from the client’s underlying business practices, underwriting, and/or fraud exposure.

CITI (Contractor) April 2015-November 2016

Business Analyst, ESC S&W Systems BAW

Prepare current process flow plans of current Key Indicators. Prepare and review MD050 for business analyst. Document and maintain third party program risk assessments and provide sufficient justification and support for decisions and implemented controls.

Design and implement an effective supplier risk management program for Key Indicators. UAT testing of MD050

Current project goal is to expand coverage of risk categories with a centralized, automated Third Party Management reporting platform, that provides pertinent and timely information to manage Third Party providers, as well as providing supplier management, risk management (first line of defense) and independent risk management (second line of defense) accurate and meaningful information to make decisions.

Logical, great attention to detail, professional, do great documentation, seek and accept feedback readily, aptitude to quickly learn new skills and new areas of the business, works well with staff at various levels of the organization, good presenter

Guide and mentor the BA staff

System knowledge P2P, Visio

TP-RAP QC Analyst

Engage and consult SMEs and other stake holders as appropriate to complete and review the risk assessment questionnaire.

Ensure all questionnaires are fully completed, answers are logically sound, and responses are clearly stated.

Provide an aggregate-level perspective on all Third parties run through the tool and applies reasoning to ascertain the accuracy of the assigned risk tier when compared to the holistic Third Party population, or if further clarification or details are necessary to make a final determination.

Update questionnaire responses, clarify any disparities, and communicate Risk Tiering Report results.

Report QC results to sectors and all other interested parties. Provided Third Party Utility (TPU) or third Party Officer (TPO) with reports to support selected detailed review per applicable inherent risk dimension such as due diligence reviews. Systems used Adhoc reports, SharePoint, Cognos

Sr. Supplier Analyst

Act as the lead Supplier Risk Analyst responsible for the evaluation and designation of supplier risk characteristics in the Citi Approved Supplier Program (CASP) system.

Lead the development and enhancement of risk models and risk assessment metrics related to Supplier risk Management.

Responsible for seeking improvement in methodology or/and creating new solutions.

Prepare and deliver presentations to senior management on the results of risk tiering exercises.

Lead key initiatives to further develop and maintain the ESRM Group s processes in support of Citi policies and processes for Supplier Risk Management (SRM).

Review new process and system requests (resulting from regulatory or policy requirements) and ensure their successful implementation, or help determine an alternative solution.

Identify, develop, document, and implement process enhancements as required based on changing regulatory or client requirements.

Act as subject matter expert and project lead to provide input to SRM policies, standards, procedures, and internal processes; lead training for CASP requirements, Supplier Risk Management practices, and ongoing CASP initiatives.

Serve as CASP Risk & Control Coordinator; disseminate information and facilitate communication among internal staff; perform Management Control Assessment (MCA) testing, and internal audits; responsible for gathering evidence and reporting results.

Facilitate meetings and provide training to accommodate system and process enhancements.

Clayton Holdings July 2014-April 2015

Collateral Risk Analyst (Contractor) December 2014-April 2015

Reviewing collateral to determine if property valuations are accurate and acceptable for lending risk.

Ensure that the Bank receives regulatory-compliant appraisals and evaluations that are in sync with corporate policy and standards, Uniform Standards of Professional Appraisal Practice (USPAP), secondary market guidelines as well as document the results.

Conduct appraisal and evaluation reviews and other appraisal related due diligence as required.

Report inconsistencies and irregularities on appraisals with the Appraisal Review Group.

Communicate with appraisers to obtain clarification and additional supporting explanations and/or data as deemed necessary.

Assist in maintaining a quality control system that evaluates and monitors the ongoing performance of third-party professional vendors (appraisers) FNSCMS

Data Compliance/Compliance underwriter July2014-December 2014

Reviewing loan files for completeness and accuracy.

Analyzing credit documents, including, but not limited to, mortgage applications credit history and income documents, title documents, appraisals and all applicable compliance documents.

Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.

Manual Frontline Underwriting conventional/conforming loan products.

Determining and documenting loan conditions and communicating requirements and/or decisions.

Identifies portfolio risks resulting from the client’s underlying business practices, underwriting, and/or fraud exposure.

Bank of America December 2012-May 2014

AVP Team leader

Primary contact that is responsible for all loan processing and underwriter activities within a designated market.

Managing a team of 10-12 associates.

Preparing evaluation and coaching of associates to meet the company goals and make sure they are aligned with the goals of the company.

Eliminates roadblocks to achieving goals.

Makes associates aware of how their work fits into larger processes that impact our customers.

Makes the associates and customers central to how success is measured.

Ability to manage at a high level of detail while maintaining awareness of overall process and team results.

Interacts in a range of roles, is comfortable being a follower, leader or teammate as the occasion demands.

Uses learning experiences as opportunities to learn for the future.

Drives process improvement.

Adapts quickly to new demands and challenges.

Audit all associates loans that have been underwritten for accuracy of policy and procedures and lending guidelines before the file goes to closing.

Audit of file consists of determining if there are any inconsistencies with the loan which may raise any red flags on the loan (i.e. income, assets etc.).

Review file to make sure RESPA guidelines has been followed by both the mortgage loan officer and loan processor when disclosing fees for the loan.

Making sure customer meet all guidelines set for Fannie Mae or Freddie Mac loans whether customer will receive a HAMP loan or a regular conventional financing.

Making sure all customers are receiving fair lending practice.

Handling escalated customers. Worked with Credit Policy, Compliance, legal and direct lending.

Systems used statusmart, edge, data vision, data verify.

Bank of America January 2012-December 2012

Home Specialist II

Underwrite loans within signing authority.

Process other loans that are outside of signing authority.

Responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may processes subordinations; resolves appraisal disputes; depending on channel, coordinate closing activities.

Order Mortgage insurance if required for loan.

Underwrite loans within lending authority.

Maintains a high level of customer service by being proactive in communication with customers, may include banking center associates, realtors, etc. Average closings per month 20 loans with a pipeline of 70 loans a month.

Lifepath Hospice October 2011-December 2011

Pool secretary

Update the daily census and prepare weekly IDG summary sheet for teams.

Update changes in Solutions for team within 24 hours, including Survivor Information, physician address and telephone number, transfers onto team, deaths and discharges, change in pay class, change in level of care (i.e. respite, hospice house, routine home care or hospitalization), change in primary or secondary diagnosis, and change in primary or consulting physician.

Enter data, corrections, and hurricane information.

Receives and disseminates documentation submitted by team members for HIM processing.

Maintains Solution accuracy for LOC and address changes as appropriate.

Notifies all physicians of death and discharge, including letters completion as per process.

Track and maintain appropriate quantity of office supplies.

Provide typing support to the team, including making entries as directed by Clinical Manager to the End of Day report, Direct Pay Report, and Adult Failure to Thrive Report.

Prepare other reports as requested including all standard letters per established policy and procedures.

Listen to voice mail for pertinent information to ensure consistency in communication.

Supports Clinical Manager in preparation for IDG readiness. Print Guardian profiles for patients for IDG review.

Copy and distribute all patient information to appropriate staff as designated per team.

Canterbury Towers March 2011-July 2011

CNA

Provides patients' personal hygiene by giving bedpans, urinals, baths, backrubs, shampoos, and shaves; assisting with travel to the bathroom; helping with showers and baths.

Provides for activities of daily living by assisting with serving meals, feeding patients as necessary; ambulating, turning, and positioning patients; providing fresh water and nourishment between meals.

Provides adjunct care by administering enemas, douches, nonsterile dressings, surgical preps, ice packs, heat treatments, sitz and therapeutic baths; applying restraints.

Maintains patient stability by checking vital signs and weight; testing urine; recording intake and output information.

Provides patient comfort by utilizing resources and materials; transporting patients; answering patients' call lights and requests; reporting observations of the patient to nursing supervisor.

Documents actions by completing forms, reports, logs, and records. Maintains work operations by following policies and procedures.

Protects organization's value by keeping patient information confidential.

Gulfstar Funding Inc. February 2000 – August 2009

Vice President/Owner/Underwriter

Underwrite various commercial and residential loans (conventional, VA, FHA, construction loans, and subprime) for customers and ensuring compliance with appropriate company and secondary market investor standards.

Verified loan documentation for accuracy of credit, employment, income, and bank information.

Made sure debt ratios were within state guidelines.

Obtain insurance and verified title was clear.

Have authority to withdraw and decline loans.

Hired and trained new loan officers so they would know the correct documents to gather when taking and completing a loan application.

Gathered necessary paperwork for loans in foreclosure or bankruptcy.

Attended court for hearings on default loans.

Used calyx software. Closed apx 25-40 on average per month.

Republic Trust and Mortgage May 1998 - January 2000

Sr. Loan Processor

Process mortgage loans for 10 loan officers.

VA, FHA and conventional loans.

Sold wholesale loans to various lenders and in charge of making sure company’s warehouse line of credit was repaid back.

AmSouth Bank January 1996- April 1998

Relationship Rep.

Process commercial loans in excess of 10 million dollars.

Provided participations loans with other banks for client to reduce bank exposure.

Maintain the relationship with clients.

Provided public relations with clients and the bank to maintain a positive working relationship.

Chase Manhattan Mortgage June 1990- November 1995

Customer Service

Answered inbound incoming calls.

Education

Saint Leo College: Bachelor's of Arts

Hillsborough Community College: Associates of Art

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