Customer Service Real Estate
Resume:
Gene BAKER
adtmha@r.postjobfree.com
Comprehensive knowledge and hands on experience in Financial Institution Life Cycle and providing Integrated Mortgage Banking Support. Project Management. Possess excellent verbal and written communication skills, Microsoft Office Suite, Excel, Word, Outlook etc. Experienced with, interpretation of regulations such as Real Estate, Affordable Housing, Procurement and Quality Control as utilization of Financial Management databases; (i.e., Quantivate, Vendor Risk, HMDA, TILA/REG Z, BSA/AML, RESPA, FDPA, Reg B, SCRA, UDAAP, E-SIGN, GLBA/REG P, Complaints, OCC Heightened Standards. PRSIM, AS400, CRM, ENCOMPASS, NCONTRACTS, LEXIS NEXIS, SYMITAR).
EDUCATION & ACADEMIC EXPERIENCE
UNIVERSITY OF ARIZONA/ Cum Laude Tucson, AZ
Bachelor of Arts - Finance/Accounting
TAFT LAW SCHOOL Santa Ana, CA
JD
Executive Summary
MORTGAGE INDUSTRY ADVISORY CORPORATION
DUE DILLAGENCE UNDERWRITER / TEAM LEAD FRONT LINE UNDERWRITER
2019 To Present Remote
●Complete credit, compliance and collateral review of closed loans being considered for purchase by various investors.
●Careful analysis of imaged loan documents and updating the proprietary database with appropriate loan data and detailed notes regarding each transaction.
●Work closely with upper management and Quality Control staff in addressing and resolving any issues discovered during review, including material findings, tape discrepancies and guideline violations.
●Loans examined include but are not limited to conventional, conforming and non-conforming, FHA, and VA.
●Increased loans sold to investors by analyzing contested loans, submitting rebuttals and effectively communicating findings.
●Underwrite conventional mortgages using Encompass.
●Review 1003’s, AUS findings LP and DU.
●Perform complex credit and income analysis for Salaried and Self-Employed borrowers.
●Conduct 2nd level reviews of Junior Underwriters.
●Ensure adherence to client overlays.
●Issue Underwriting decisions and notifications of clear to close.
●Review Assets.
●Suspend files if credit decisions are unable to be rendered.
●Ensure all documentation meets program and AUS requirements.
●Facilitate Risk Control Self-Assessment (RCSA) with 1st line of defense to ensure control effectiveness in processes
●and identify changes in business activity or relevant regulations that may increase operational risk exposure.
●Conduct process mapping training and build process mapping with business lines to proactively analyze various data
sources to form an independent assessment/opinion of operational risk in the relevant business function within the
scope of challenge responsibility.
●Perform additional risk oversight and assessment activities including, but not limited to operational loss data validation,
●control testing, and validation, root cause analysis of significant fraud and other risk events, preparation of
management reports, issue management, and targeted risk and control assessments.
●Validate through assessment that Significant Inherent and Emerging Operational Risks to be adequately incorporated into the ORM program.
APEX BANK
.REO/COMMERCIAL ASSET PORTFOLIO MANAGER
2017 to 2019 Knoxville, TN
• Managed a Commercial and Residential Real Estate Portfolio of 150-200 Assets.
• Coordinate with investors and provide updates on marketing plans and disposition strategies on an asset level basis.
• Update senior management regularly on assets assigned
• Collaborate with brokers and real estate agents daily
• Obtain the highest net selling price possible while balancing days on market.
• Create viable business plans that will maximize returns for the client
• Utilize appraisals and BPOs to determine appropriate asset values
• Provide recommendations to improve key sales metrics and create efficiencies in processes
• Provide excellent service to clients and investors
business strategy or relevant regulations that may lead to an increase in operational risk exposure.
• Develop key relationships with stakeholders for optimum disposition strategies, maximizing the value of the real estate portfolio
• Timely execution of sales strategies
• Detailed updates and reporting of assets under management
• Administer risk analysis surveys to determine their risk profile
• Work to develop a master asset management plan specifically attuned to each client
• Provide analytical support for businesses in anticipating and mitigating operational risks.
• Effectively manage client assets according to their investment preferences
• Managed all aspects of property rehab projects
• Travel to property sites as needed to make bids, appraise, etc.
• Liaise with property managers, contractors, brokers, attorneys, etc.
• Collaborate with company analysts to accurately evaluate client assets
• Negotiate sales and lease of property renewal and sales contracts
VANDERBILT MORTGAGE
FIELD AUDITOR
2014 - 2017 Maryville, TN
• Performed mortgage servicing quality control audits and reviews in a timely manner.
• Assisted in planning, testing and reporting phases of department quality initiatives
• Update senior management regularly on assets assigned
• Performed comprehensive quality control audits of loan operations for adherence to investor/insurer guidelines (e.g., FHLMC, FNMA, FHA, VA, USDA), State/Federal regulations.
• Inquiry of various aspects of the department operations and discuss audit exceptions.
• Facilitated communication on compliance related issues between Corporate Compliance, Auditor, Audit Team Lead and the correspondent lender Track.
• Utilize appraisals and BPOs to determine appropriate asset values
• Provide recommendations to improve key sales metrics and create efficiencies in processes
• Assisted in review of monthly QA compliance related findings, analyzing trends, and reporting of data to Department Head and participated in team meetings regarding trends, training, and updated policies and procedures.
• Analyzed compliance of individual loans with the Truth in Lending Act (TILA) through the use of compliance tools such as Compliance Ease and LOS Suspend
• Reviewed and prepare case timelines & audit files as assigned by Supervisor & Dept. Mgmt.
US BANK
MORTGAGE SUPERVISOR
2013 - 2014 Irvine, CA
• Staff management (30). Managed a staff of 30 employees in different stages of the foreclosure process. Offices of my reports were, First Legal, Bankruptcy, Figures, Core and Process
• Insured compliance throughout the department regarding foreclosure, recognized potential issues and conducted training to bring staff into compliance with State and Federal regulations.
• Conducted internal audits on foreclosure processes to ensure compliance.
• Performed comprehensive quality control audits of loan operations for adherence to investor/insurer guidelines (e.g., FHLMC, FNMA, FHA, VA, USDA), State/Federal regulations.
•. Oversaw the processing of foreclosure forms and analysis and reported on the activities of the team.
• Produced and analyzed reports governing team performance against goals and KPIs
• Assisted with the initiation and development of programs designed for the development and continued growth of the Department and its personnel.
• Supervised a staff, including but not limited to participating in hiring decisions, training, performance reviews, assigning and prioritization of duties.
• Assisted in review of monthly QA compliance related findings, analyzing trends, and reporting of data to Department Head and participated in team meetings regarding trends, training, and updated policies and procedures.
• Analyzed compliance of individual loans with the Truth in Lending Act (TILA), FCCPA / FDCP / FCRA and SCRA through the use of compliance tools such as Compliance Ease and LOS Suspend
• Subject matter expert for escalation and direction on more complex foreclosure and document issues.
PROMONTORY FINANCIAL GROUP / OCC
COMPLAINT ANALYST / QC LOAN REVIEW
2012 2013 Orange, CA
• Conducted independent foreclosure reviews of 13 major financial institutions under the direction of Office of the Comptroller of the Currency and the Federal Reserve.
• Reviewed and handled forensic evaluation of files to check for Error and/or Harm by Lender and
presented findings to Lender for settlements. The agreements provide for a total of $3.6 billion in cash
payments to 4.2 million borrowers.
• Provided Comprehensive analysis to verify all information was reviewed to determine if file was in
disposition correctly.
• Handled Quality Control on daily submission to ensure compliance with federal and state regulations.
• Received recognition for ranking in the top 10 percent from company procedure for error free
submissions.
• Lead a team of 15 analyst and developed processes to work more efficiently bringing the overall error ratio to a minimum.
BANK OF AMERICA
MORTGAGE ANALYST II / UNDERWRITER
2011 - 2012 Simi Valley, CA
• Prepared Loan Modification to ensure complete accurate input and documentation of accounts. Handled
Foreclosure Prevention with Short Sale and Deed in Lieu work out options.
• Experience in Mortgage Banking credit policies and procedures, credit/financial statement analysis, loan
structuring, cash flow analysis.
• Completed Mortgage audits that were in pre-foreclosure to determine qualifications for HAMP or Non-HAMP eligibility
• Determined and made recommendations for programs relating to loss mitigation
• Received Silver Recognition Awards for handling escalations and providing excellent customer service.
• Conducted face to face interviews on site at multiple venues/events nationwide, which include Bank of
America Single Service Events, Home Preservation & Advocacy, and US Treasury (MHA).
• Prepared Loan Modification to ensure complete accurate input and documentation of accounts. Handled
Foreclosure Prevention with Short Sale and Deed in Lieu work out options.
• Experience in Mortgage Banking credit policies and procedures, credit/financial statement analysis, loan
structuring, cash flow analysis.
• Ensured compliance with the following regulations RESPA / TILA / SCRA / FCCPA / FDCP / FCRA and CFPB Guidelines.
• Conducted P&L analysis using parametric or nonparametric statistics to conclude significant difference between test and control.
• Represented Risk Management on inter-departmental Process Teams
INTEGRATED MORTGAGE SOLUTIONS
VICE PRESIDENT LOSS MITIGATION/ COMPLIANCE
2007 2011 Houston, TX
• Identify risks and guide business units in understanding current risk levels and potential emerging risk
trends.
• Provide expertise for business on Third Party involvement within business unit process flows, identifying key interdependencies and/or interconnectedness.
Provide analytical support for businesses in anticipating and mitigating operational risks.
• Maintain strong working relationships with the 1st line of Defense with scope to secure a valued and respected partnership.
• Drive mitigation of issues through partnership with 1st line stakeholders to ensure all departmental sources are properly documented.
• Proactively analyze various data sources to form an independent assessment/opinion of operational risk in the relevant business function within the scope of challenge responsibility.
• Participate in and execute challenges to proactively identify gaps in risk mitigation frameworks.
• Conducted compliance reviews over the loss mitigation department to ensure companies compliance with State and Federal regulations
• Managed a team of 27 employees in loss mitigation and compliance that included recruiting, and ongoing training
• Reviewed and made recommendations on completed loss mitigation files, ensured the accuracy and detail of each file before submitting to client.
• Enhanced and tracked sub-servicers processes and procedures in loss mitigation and created audit testing to determine the compliance of sub-servicers loss mitigation processes
• Stayed ahead of the regulatory implementation schedule to rapidly drive intelligent and interactive rules throughout the organization.
NEW SOUTH FEDERAL SAVINGS BANK
REO ASSET MANAGER
1999 - 2007 Birmingham, AL
• Managed a Commercial and Residential Real Estate Portfolio of 75-100 Assets.
• Coordinate with investors and provide updates on marketing plans and disposition strategies on an asset level basis.
• Update senior management regularly on assets assigned
• Collaborate with brokers and real estate agents daily
• Obtain the highest net selling price possible while balancing days on market.
• Create viable business plans that will maximize returns for the client
• Utilize appraisals and BPOs to determine appropriate asset values
• Provide recommendations to improve key sales metrics and create efficiencies in processes
• Provide excellent service to clients and investors
business strategy or relevant regulations that may lead to an increase in operational risk exposure.
• Develop key relationships with stakeholders for optimum disposition strategies, maximizing the value of the real estate portfolio
• Timely execution of sales strategies
• Detailed updates and reporting of assets under management
• Administer risk analysis surveys to determine their risk profile
• Work to develop a master asset management plan specifically attuned to each client
• Provide analytical support for businesses in anticipating and mitigating operational risks.
• Effectively manage client assets according to their investment preferences
• Managed all aspects of property rehab projects
• Travel to property sites as needed to make bids, appraise, etc.
• Liaise with property managers, contractors, brokers, attorneys, etc.
• Collaborate with company analysts to accurately evaluate client assets
• Negotiate sales and lease of property renewal and sales contracts
Contact this candidate