Customer Service Mortgage

Ricky Womack Jr.

Red Oak Tx ***** • *****.********@*****.*** • 817-***-****

Qualifications

• Fiserv, Ecompass, MSP experience • Problem Resolution & Research

• AML, OFAC, AB&C and Horizontal Risk Assessment • BSA/AML certified

• Identify trends and areas of emerging risks • Politically-exposed Person (PEP) review

• Risk Management Processes and Analysis

MORTGAGE ORIGINATION / BANK OPERATIONS

SUMMARY: Seeking a full time career in Mortgage Originations that promotes professional growth and advancement. Experienced Conventional, Jumbo, Non QM, DSCR loans Underwriting.

Aspiring for my DE sponsorship. I am a financial professional with demonstrated skills in leadership. Perform effectively under high-pressure situations and deadlines. I am able to build strong, sustainable relationships with internal and external individuals.

Profile:

Financial Professional with demonstrated skills monitoring and reporting activities in support of the Bank’s Bank Secrecy Act, USA PATRIOT Act and Office of Foreign Assets and Control programs. Able to build strong, sustainable relationships with internal and external individuals. Maintain strict standards of confidentiality. Perform effectively under high-pressure situations. Maintain highest ethical standards.

SKILLSET: File quality, complex income calculations, corporate tax returns, Fannie Mae, Freddie Mac guidelines along with other investors such as FHA /Conventional,Jumbo, Non QM, DSCR knowledge of TRID Guidelines and Regulations

Professional Experience

Encompass Lending Group

(March 2021-present)

Determine credit risk and maintain current awareness of trends, which may impact credit risk

Calculate income, analyze complex tax returns, evaluate creditworthiness, report ratios, estimate closing costs, and evaluate asset and liability verifications

Make recommendations and presentations to Loan Officers and loan committee on estate loans

Prepare and distribute notification of loan decision to applicants

Maintain loan pipeline reports

Review loan packages for compliance with State and Federal regulations and with the Bank’s lending policies and procedures

Examine appraisal reports, desk reviews, field reviews, and loan evaluations for compliance with the Bank’s appraisal standards and collateral acceptability. Notifies Loan Officers and mortgage brokers of appraisal department conditions and coordinates acceptability of appraisal conditions with the Appraisal Department

Conducting cash flow analysis for self- employed borrowers (1084, profit and loss statements, balance sheets, 1065s, 1120S, and 1040s) and wage-earning borrowers. Income earnings forecasting. Analyze mortgage documents including but not limited to titles, assets, property, income, and credit reports within industry and compliance guidelines.

Mr Cooper

Underwriter September 2020-March 2021

Determine credit risk and maintain current awareness of trends, which may impact credit risk

Calculate income, analyze complex tax returns, evaluate creditworthiness, report ratios, estimate closing costs, and evaluate asset and liability verifications

Make recommendations and presentations to Loan Officers and loan committee on estate loans

Prepare and distribute notification of loan decision to applicants

Maintain loan pipeline reports

Review loan packages for compliance with State and Federal regulations and with the Bank’s lending policies and procedures

Examine appraisal reports, desk reviews, field reviews, and loan evaluations for compliance with the Bank’s appraisal standards and collateral acceptability. Notifies Loan Officers and mortgage brokers of appraisal department conditions and coordinates acceptability of appraisal conditions with the Appraisal Department

Recovco

Underwriting (March 2020-September 2020)

Determine credit risk and maintain current awareness of trends, which may impact credit risk

Calculate income, analyze complex tax returns, evaluate creditworthiness, report ratios, estimate closing costs, and evaluate asset and liability verifications

Make recommendations and presentations to Loan Officers and loan committee on estate loans

Prepare and distribute notification of loan decision to applicants

Maintain loan pipeline reports

Review loan packages for compliance with State and Federal regulations and with the Bank’s lending policies and procedures

Examine appraisal reports, desk reviews, field reviews, and loan evaluations for compliance with the Bank’s appraisal standards and collateral acceptability. Notifies Loan Officers and mortgage brokers of appraisal department conditions and coordinates acceptability of appraisal conditions with the Appraisal Department

Conducting cash flow analysis for self- employed borrowers (1084, profit and loss statements, balance sheets, 1065s, 1120S, and 1040s) and wage-earning borrowers. Income earnings forecasting. Analyze mortgage documents including but not limited to titles, assets, property, income, and credit reports within industry and compliance guidelines.

MoneyGram (Frisco, TX March 2019- March 2020)

Compliance Analyst III- Transaction Monitoring and Reporting

•Review and analyze transactional data for potential suspicious activity, including those generated from an alert detection processes, subpoenas and warrants, country/corridor reviews, foreign and domestic agent matters, consumer network cases, negative media reports, as well as other sources as applicable.

•Work effectively with multiple complex data sources and/or technical analytical tools/resources to identify potentially unusual or suspicious activity as defined by AML/BSA regulations, and industry best practices for AML/BSA analysis. This includes (but is not limited to):

• Identifies, researches, and reports suspicious activity. • Manages the investigative process from initial detection to disposition and filing. • Thoroughly and timely reviews reports and other investigative leads that potentially identify suspicious activity.

•Formulates and recommends responses to potentially suspicious findings, reports such activity to the appropriate regulatory authorities, and supports MoneyGram’s forward-looking risk-mitigation response. •

•Completes all investigation outputs, which may include regulatory filing and other mitigation actions within required service level agreement (SLA) timelines.

•Actively support managers, supervisors, and senior analysts with moderately complex AML/Fraud investigations, while coordinating with team members and other departments to determine the proper course of action in handling potentially suspicious activity as required by applicable global regulatory, law enforcement or, Financial Intelligence Units.

•Write and file Suspicious Activity Reports and apply appropriate risk mitigation measures, while ensuring appropriate documentation of all research and analysis is conducted in accordance with applicable recordkeeping guidelines.

•Liaise with various internal departments as necessary.

•Work and contribute in a team-oriented and collaborative environment to improve the analytical and reporting processes.

•Perform other duties and responsibilities as assigned.

Recovco, Irving, Texas (March 2017-March 20

Undewriter/ Forensic/ Due diligence

Determine credit risk and maintain current awareness of trends, which may impact credit risk

Calculate income, analyze complex tax returns, evaluate creditworthiness, report ratios, estimate closing costs, and evaluate asset and liability verifications

Make recommendations and presentations to Loan Officers and loan committee on estate loans

Prepare and distribute notification of loan decision to applicants

Maintain loan pipeline reports

Review loan packages for compliance with State and Federal regulations and with the Bank’s lending policies and procedures

Examine appraisal reports, desk reviews, field reviews, and loan evaluations for compliance with the Bank’s appraisal standards and collateral acceptability. Notifies Loan Officers and mortgage brokers of appraisal department conditions and coordinates acceptability of appraisal conditions with the Appraisal Department

Conducting cash flow analysis for self- employed borrowers (1084, profit and loss statements, balance sheets, 1065s, 1120S, and 1040s) and wage-earning borrowers. Income earnings forecasting. Analyze mortgage documents including but not limited to titles, assets, property, income, and credit reports within industry and compliance guidelines.

Capital One, Plano, Texas (March 2011- December 2016)

Underwriter

Determine credit risk and maintain current awareness of trends, which may impact credit risk

Calculate income, analyze complex tax returns, evaluate creditworthiness, report ratios, estimate closing costs, and evaluate asset and liability verifications

Make recommendations and presentations to Loan Officers and loan committee on estate loans

Prepare and distribute notification of loan decision to applicants

Maintain loan pipeline reports

Review loan packages for compliance with State and Federal regulations and with the Bank’s lending policies and procedures

Examine appraisal reports, desk reviews, field reviews, and loan evaluations for compliance with the Bank’s appraisal standards and collateral acceptability. Notifies Loan Officers and mortgage brokers of appraisal department conditions and coordinates acceptability of appraisal conditions with the Appraisal Department

Conducting cash flow analysis for self- employed borrowers (1084, profit and loss statements, balance sheets, 1065s, 1120S, and 1040s) and wage-earning borrowers. Income earnings forecasting. Analyze mortgage documents including but not limited to titles, assets, property, income, and credit reports within industry and compliance guidelines.

CoreLogic Irving, Texas (January 2011-March 2011)

Loss Mitigation Underwriter

·Performing credit and property analysis on loan files

·Calculate income w2 and self employment

·Reviewed bank statements, tax returns, credit reports, title and appraisals.

·Communicating to customers decisions reached on their loan

·Working with highly confidential documents

·Providing exceptional customer service to both internal staff and external customers

Education & Continuing Development Coursework

Capital One, Plano, Texas-Completion: 2015

SLQ2CQ Trained

High School Graduate, Lamar High School, Arlington, Texas

University of Phoenix, Bachelors in Business administration, hour completed toward degree

Tool/ methods & Additional training

Proficient in Microsoft Office Suite, Mortgage Banking Systems, Planning & Organizing, Recognizing & Building Talent, Business Operations, Professional Development, Project Management Processes & Principles, Working knowledge of Bank Secrecy Act and Anti-Money Laundering Regulations, USA Patriot Act

Contact this candidate