YANET DURAN

614-***-**** Available for Relocation

aduffb@r.postjobfree.com

I am an accomplished and experienced loan review and quality control analyst with 15+ years in the residential mortgage loan and banking industry. I am seeking an exciting opportunity to work with other like-minded, motivated mortgage professionals who approach their job with a high level of integrity. I thrive working with others to achieve departmental and company goals, while providing optimal production levels and excellent quality.

EMPLOYMENT EXPERIENCE

QC Analyst Aug. 2015 – Dec. 2022

StoneHill Group, Inc (Atlanta, GA)

Articulated audit findings, risks and detailed recommendations to clients and leadership team

Prepared and maintained daily reports detailing results of SWOT analysis

Conducted daily reviews of TRID documents for accuracy and compliance

Compared Loan Estimate throughout the loan process to verify accuracy of estimated fee disclosure

Reviewed closing packages to ensure accuracy and completeness

Calculated and verified if cash to close amount is accurate during closing disclosure

Loan Underwriter II Oct. 2012 - July 2015

Citizens Bank (Warwick, RI)

Met with applicants to obtain information for loan application and address questions and concerns

Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment statuses

Verified client financial information to determine creditworthiness and loan eligibility

Reviewed loan agreements to verify accuracy and completeness

Underwrote private and federal student loans including automated and manual portfolios

Oversaw and approved student loan consolidations and cosigner releases

Agency Liaison Feb. 2011 - Aug. 2011

JP Morgan Chase (Columbus, OH)

Acted as an intermediary between attorneys and the business regarding loan modification statuses

Assembled files for counseling and mediation between opposing counsels, attorneys, mediation centers and underwriters

Established relationships with management, local leaders and community members to achieve program objectives

Cultivated and developed relationships with existing and potential referral sources, identified new partners, uncovered untapped opportunities and raised brand awareness

Senior Mortgage Underwriter Mar. 2006 – Feb. 2011

JP Morgan Chase (Columbus, OH)

Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial

Ensured loans met internal and external eligibility requirements

Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property evaluations

Resolved document errors and discrepancies, and identified signs of fraudulent activity

Underwrote FHA, VA, USDA and FNMA loans

Liaised with lenders, appraisers and other third parties to communicate needs and requirements

Loan Counsellor Dec. 2004 – Feb. 2006

JP Morgan Chase (Columbus, OH)

Received and documented inbound calls in a fast-paced environment

Initiated collection calls on delinquent mortgage loans

Researched and resolved customer disputes in regard to misappropriated payments

Negotiated payment arrangements with customers to avoid mortgage delinquency and possible foreclosure

EDUCATION

Tax Preparation Certification Nov. 2013

H&R Block (Warwick, RI)

Undergraduate Studies: Finance June 2006

Columbus State Community College (Columbus, OH)

PERSONAL

Relevant Skills

Bilingual, fluent in English and Spanish (spoken, written, read)

Lotus Notes

Encompass, Byte, Empower, Mortgage Candence

Proficient in Microsoft Office, Excel, Word, PowerPoint

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