ROCAROL MANNING

Charlotte, NC 704-***-****

adu6ou@r.postjobfree.com

Senior mortgage professional with over 15 years in the Finance industry. I am highly

knowledgeable in residential lending operations, credit analysis and regulatory Compliance.

Adaptive to frequent process change, strong communication and providing outstanding

customers service.

EXPERIENCE

September 2020- October 2022

Loan Specialist, SBA

Review assigned loan file for compliance and quality assurance.

Review and analyze requests from direct borrowers or requests from participant lenders in relation to servicing, liquidating, or purchasing loans.

Determine what documents are needed to analyze/evaluate loan approval. Analyze the financial condition of the borrowers. analyze financial statements (using cash flow projections and ratio analysis).

Conduct interviews with borrowers, lenders, and counsel them on the agency’s risk management and compliance guidelines.

September 2020- April 2021

Poli Mortgage, Senior Credit Processor

Reviewed loan files to determine what documents are following federal guidelines required to pass compliance.

Communicate and respond to internal customers (Loan Consultants, Processing Managers) and external customers (borrowers, 3rd party vendors) generally within 2 hours.

Utilized pipeline reports to effectively manage loans and prioritize daily workflow.

Reviewed Document management system and demonstrated exceptional data integrity where all information in the system is accurate.

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

Maintained current knowledge of guidelines and loan programs.

February 2019 – May 2020

Loan Processor, Silverton Mortgage

Evaluate mortgage loan file documentation to determine loans are compliant.

Maintain knowledge of underwriting guidelines are compliant with risk management guidelines.

Using DU/LP to facilitate the risk analysis evaluation process.

Initial review an average of 40 loans a month and manage approvals and conditions.

Review the appraisals as per the Fannie Mae and Freddie Mac guidelines.

Process Conventional, FHA, VA and USDA loans for refinance or purchases.

February 2016- January 2019

Loan Processor, CalAtlantic Mortgage

Process and prepare closing retail mortgage loans (Conv, FHA, VA, & UDSA, purchase and refinance) in accordance with policies & procedures.

Performed Welcome Call, Status Call and Pre-close Call.

Run DU & LP for approval for compliance and risk management.

September 2013 – September 2014

SOLOMON EDWARDS GROUP (Promontory Financial)

File Review Analyst

Reviewed Residential Mortgage loan files on properties exposed to foreclosure.

Followed prescribed guidelines for rating/coding of the data point findings (e.g., present/missing, critical/non-critical, or standard values for coding the findings).

Reviewed payment history, customer correspondence, documentation trails, CSR notes, timelines, and records.

Consistently performed file reviews using knowledge of multiple home retention/ loss mitigation program guidelines (SCRA, HAMP, Proprietary, FNMA, FLHMC, FHA).

July 2012 - September 2013

SunTrust Bank Jr.

Mortgage Underwriter

Reviewed credit report, financial documents, and reviewed appraisal, title, mortgage insurance.

Reviewed DU and LP findings.

Review Employment verification.

Ensure compliance requirements for loans. Decision loans for approvals and denials

Reviewed HARP Loans, VA IRRL’s, Freddie products.

Prepared Deed of Trust.

July 2011 - July 2012

Wells Fargo Home Mortgage

Compliance Lead

● Compliance Quality Control and Audits of Fulfillment files.

● Fraud protection and customer identity verification per FACTA and US Patriot Act guidelines and regulations.

● Scheduling and daily distribution of production reports and pipelines. Created and maintained Compliance information reports for management.

● Trained, developed, and counseled employees to develop a high performing team.

● Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

EDUCATION

MIDDLETON REAL ESTATE SCHOOL 1999

Southfield, MI

Real Estate Certification

Henry Ford College

Dearborn, MI

Business Management still seeking degree

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