KRISTY RECKLEY

*** * ****** ***, ********* MD ***16 301-***-**** aducof@r.postjobfree.com

CORE COMPETENCIES

Critical Thinking * Collaboration Efforts * Teamwork * Written and Oral Communication * Results Driven

* Takes Initiative * Time Management * Pipeline Management * Analytical Skills * Energy and Willingness

* Credit, Income, Asset Analysis * HMDA * CRA * Fair Lending Competent, highly organized, and performance-driven professional, offering 20+ years’ experience in mortgage, risk management, compliance, fraud, and BSA/AML combined with outstanding verbal and written communication skills essential in a lending environment. Committed to self-education concerning new processes, with flexibility in adapting to mortgage banking industry trends and demands. Comfortable in multitasking and capable of interfacing effectively with diverse populations of customers, internal and external. Competent working independently as well as part of a team while successfully achieving productivity goals within deadlines. Able to work independently with minimal or no supervision. Designated, at time, as a Subject Matter Expert within the department. Have successfully performed in a team trainer capacity several times and often called upon to complete higher level/peer reviews of less experienced Underwriters and Associates. Experience with TRID, ability to repay (ATR), and Know Your Customer (KYC). Previous leadership experience.

PROFESSIONAL EXPERIENCE

MIDDLETOWN VALLEY BANK HAGERSTOWN, MD

Lending Compliance Analyst 07/2022-PRESENT

● Lending Compliance Analyst

o Home Mortgage Disclosure Act (HMDA) Data Analysis to report to Compliance Committee o Compliance Monitoring to report to Compliance Committee o Community Reinvestment Act (CRA) Data Analysis to report to CRA Committee o Fair Lending Data Capture & Analysis

o Prepare and Deliver Loan Compliance Training as needed o Research and respond to questions regarding compliance o Review Marketing material to ensure we are within compliance standards o Risk Assessments

o Create/Maintain/Update department/compliance procedures and policies o Monitor and communicate regulatory changes to the appropriate parties CARDINAL FINANCIAL REMOTE

Mortgage Underwriter II 11/2020-03/2022

● Mortgage Loan Underwriter II

o Underwrite Conventional, Agency, and Non-Agency loans o Signing Authority to $2mm

o Self-employment, rental property, salary, bonus, commission income calculations o Credit Analysis

o Asset Analysis

JPMORGAN CHASE & CO REMOTE

Mortgage Underwriter III 06/2020-11/2020

● Mortgage Loan Underwriter III

o Underwrite Non-Agency loans

o Signing Authority to $1.5mm

o Self-employment, rental property, salary, bonus, commission income calculations o Credit Analysis

o Asset Analysis

KRISTY RECKLEY

410 N Dayton Ave, Brunswick MD 21716 301-***-**** aducof@r.postjobfree.com RECOVCO MORTGAGE MANAGEMENT REMOTE

Mortgage Underwriter 05/20200-06/2020

● Mortgage Loan Underwriter

o Underwrite Non-Agency loans

o Signing Authority to $1.5mm

o Self-employment, rental property, salary, bonus, commission income calculations o Credit Analysis

o Asset Analysis

WELLS FARGO HOME MORTGAGE FREDERICK MD

Financial Crimes Consultant 3/Business Risk & Control Associate Consumer Loan Underwriter III (Retail)/BBG Customer Care Representative Private Mortgage Banking Loan Processor

Consumer Loan Underwriter II (Retail/Default)

Mortgage Loan Processor (Retail)

04/2018-05/2020

08/2016-04/2018

10/2015-08/2016

12/2012-10/2015

06/2005-12/2007

● Financial Crimes Consultant 3/Business Risk & Control Associate Position o Use of Cornerstone to complete the Onboarding and Periodic Review Processes for Business Banking clients

o Low to Moderate Risk Clients

o Mitigated risk factors when completing Onboarding and Periodic Reviews o Completed SBA Soft Exit Project and Transfer cases from other LOB to BBG o Investigative research to determine liability and impact of cases including mitigation of financial losses or business interruptions

o Communicated with multiple levels of management

o Provide guidance to less experienced consultants

● BBG Customer Care Representative Position

o OCC Project with Business Banking Group acting as Financial Crimes Consultant/Remediation Analyst (BBCOR Team)

Remediating small businesses from $5m to $20m

Fill out High Risk Assessments (HRA) Determination Forms

Work with High-Risk Teams to determine if EDD is necessary

Cash Intensive Businesses, Charities, Dealers in Precious Metals

Worked Data Remediation (DR) cases

Worked closely with the Primary Lines of Business to determine EDD

● Consumer Loan Underwriter III (Retail) Position

o Financial risk and credit risk management skills, identifying all types of layered risk o Maintained compliance with all mortgage regulatory requirements o Review and understand complex tax documentation (Schedule C, 1120, 1120s, 1065, K1s) o NUPRM (National Underwriting and Production Risk Management) Reviewer for HMDA Project

o Reviewed files post-closing to determine if loans were declined accurately o Reported findings to Lending Manager

● Mortgage Loan Processor 5 (Private Mortgage Bank) Position o Processed new construction, resale, refinanced loans to ensure all documents received for underwriting

● Consumer Loan Underwriter II (Default) Position

o Reviewed workout/modification applications to reduce delinquency/foreclosure o Determine the length and impact of financial hardship, conduct loan level cash flows for borrower to determine affordability, stability of current income sources o Assess risk associated with each hardship; determine likelihood of continued repayments once payment has reached affordability

o Experience with HAMP and Non-HAMP loans

o Conduct cash flow analysis based on income and expenses to determine affordability

● Mortgage Loan Processor (Retail) / Consumer Loan Underwriter 2 (Retail) Position o Extensive experience with credit risk analysis of conventional conforming, non-conforming, condo, co-op loans (DC & NY), VA loans.

o Financial risk and credit risk management skills, identifying all types of layered risk o Maintained compliance with all mortgage regulatory requirements o Review and understand complex tax documentation (Schedule C, 1120, 1120s, 1065, K1s) KRISTY RECKLEY

410 N Dayton Ave, Brunswick MD 21716 301-***-**** aducof@r.postjobfree.com JOSEPH C. RECKLEY PLUMBING, HEATING & AIR EMMITSBURG MD Office Manager 03/2009-11/2010

● Managed staff of 15 people

● Human resource duties for staff

● Accounts Receivable/Accounts Payable

THE JEFFERSON SCHOOL JEFFERSON MD

Administrative Assistant/Centralized Scheduler 06/2001-06/2005

● Centralized scheduling for 6 residential units (nurses, residential counselors, resource staff, rec staff, ETAs)

● Management responsibilities for staff (training, recertifications, callouts, restaffing, evaluations, etc.).

● Supported Medical Director, RTC Director, Health Services Director, Clinical Milieu Managers, Residential Counselors, Resource Specialists, Nurses, and Campus Supervisor simultaneously FIRST NATIONWIDE MORTGAGE CORPORATION FREDERICK MD Customer Service Research Specialist/Team Lead

Upfront Processor and Closer

02/1996-06/2001

● Researched/responded to customer’s loan inquiries via mail, email and/or telephone

● Team member of escalated team to respond to customer inquiries via our presidential line

● Provided work direction and/or training to lower-level team members

● Ordered flood certs, credit reports, ordered appraisals and input all information into system from loan application

● Completed closing package for settlement

EDUCATION

Mortgage Loan Servicing Certificates ~ 1996-2001 // Harcourt Learning Direct, Legal Assistant Diploma ~ 1999-2000 // Mortgage Bankers Association, Loan Origination Certificate ~ 1999-2001 // Stratford Career Institute, Accounting Certificate – January-April 2017 // NMLS #: 1531749 (When employed with WF) // Walden University, B.S. Criminal Justice ~ April 2019-present // National Society of Leadership and Success, National Honor Society – Inducted March 2020

Also Seeking CAMS Certification

SKILLS – SYSTEM EXPERIENCE

Working knowledge of: LIS, LPS, CPI/MSP, Clara, Work Rules, LM Workouts, WP2, HSSN, ERLMF, ICMP/ELF, CORE, LexisNexis, StoreVision Platform (SVP), SeeMorePlus, Blast, Enterprise Case Management (ECM), Wholesale Customer Information System (WCIS), SOS, Cornerstone, Encompass, Octane, Poli, Mortgage Express, Data Verify, EIV, Xperience, Questsoft, Ncontracts, various other SharePoint sites and/or software. ACCREDITATIONS

Best Shot Awards ~ 2005-2007 // Team Excellence Award ~ 2005-2007 // Service Excellence Award ~ 2005-2007

// Service Excellence Nomination/Winner ~ 2014, 2016

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