System Analyst Credit Officer

Sara J. Johnson

**** ****** **** **. **********, TN 38506*517-***-***** ********@*****.***

OBJECTIVE: I desire to further myself professionally. I am willing to complete further training and educational opportunities.

EXPERIENCE:

Homepoint Financial (10/2017- present)

Underwriter QC Risk

oAudit conventional and government files according to investor guidelines.

oPull monthly reports through the Insight QC software and MS Excel to review pre-funding defects and check for grammatical errors, consistency in write ups, and trends.

oComplete both pre-funding and post-closing reviews

oIdentify red flags and escalate to fraud.

oAudit vendor reviewed files.

oComplete the Pre-funding audit selection using Tableau when needed.

oKeep up to date with investor guidelines through Alllregs.

INDECOMM GLOBAL (8/9/2016 – 10/2017)

QC Reviewer

oAudit conventional, delinquent, and denied mortgage files according to investor guidelines.

oIdentify potential fraudulent loans for further review.

STEWART TITLE (12/2005 – 8/2016)

Stewart Lending Services (Title and Mortgage Services) Farmington Hills MI, 48334

QC Reviewer

oAudited conventional, government, delinquent, and denied mortgage files according to investor guidelines.

oIdentified potential fraudulent loans for further review.

Fraud Reviewer

oReviewed potentially fraudulent loans.

oReported results in memo and spreadsheet format.

oAnalyzed appraisals for valuation concerns.

WASHTENAW MORTGAGE COMPANY

WMCo. (Mortgage Wholesaler), Ann Arbor MI, 48108 (02/2001 – 12/2005)

Quality Control Risk Administrator (2/2005 – 12/12005)

oCreated reports for senior management.

oCreated and analyzed monthly and quarterly reports received from Fannie Mae and HUD.

oCreated and maintained department’s AS400 queries and Sequel Viewpoint reports.

oMaintained company’s lawsuit files, corresponded with the company’s attorney, and fulfilled subpoena requests.

oReviewed Victim Notification letters, corresponded with the IRS Criminal Investigation department, and determined the company’s risk exposure related to the notifications.

oAudited loans in relation to Lawsuits, Victim Notification letters, and HUD reports.

oAudited loans reviewed by the pre-funding staff to determine if further training is needed.

oMet with other integral members of QC on a weekly basis to streamline QC processes.

Special Investigative Auditor (5/2003 – 2/2005)

oIdentified fraudulent files, assessed risk to the company.

oReported results to department manager in memo and spreadsheet format.

oTrained new auditors in both the investigation, pre-funding, and post-funding areas.

Post-Funding Auditor (9/2002 -5/2003)

oEvaluated closed loans and underwrote the loans to ensure they met investor requirements. Audit results were input in MS Excel.

oAudited closed loans for internal deficiencies, including audits requested by investors.

oAudited FHA loans. Trained others on HUD requirements.

Pre-Funding Auditor (2/2001 – 9/2002)

oAdministrative tasks, worked with MS Word, MS Excel, MS Outlook, TENA program (auditing software), AS400 system.

oAudited loans prior to closing to prevent risk.

oWorked with mortgage brokers and dissatisfied clients to close mortgage loans.

EDUCATION: NORTH CENTRAL UNIVERSITY

Minneapolis, MN, 55404 (Fall 98 - 2000)

2 years working towards a Music Education degree—GPA 3.8

JACKSON COMMUNITY COLLEGE

Adrian, MI, 49221 (Fall 2000 - 2001)

General Education courses - GPA 3.8

MBA Courses

Understanding Real Estate Appraisals (July 2003)

FHA Fundamentals (May 2003)

Underwriting 101 (January 2002)

Homepoint Learning

Compliance courses as continuing education

REFERENCES: Mrs. Jill Hawkins, VP of Operations, John Adams Mtg. 248-***-****

Mr. Brian Ludtke, Senior VP, Flagstar Bank 734-***-****

Mrs. Kathy Herig, Chief Credit Officer, Homepoint 810-***-****

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