Jenerice Clarke

Jenerice M Clarke

Phone: 860-***-****

Email: adva7u@r.postjobfree.com

Dependable, professional, adaptable team player with the highest degree of integrity seeks employment that will allow for a synergistic contribution to a quality organization while growing professionally.

Key Skills:

Experienced financial professional with over 15 years of lending experience, background includes, credit analyst, risk management, audit, mortgage compliance, finance, quality control, mortgage process analytics, NMLS licensed loan originator, FHA DE underwriting, VA underwriting with both SAR and LAPP approval along with conventional underwriting with wholesale and retail lenders across the country. I have a thorough comprehension of FNMA/FHLMC/FHA/VA/USDA/CHFA/HELOC/HELOAN and Consumer guidelines. I am highly driven, goal-oriented self-starter, knowledgeable in principles of business development, marketing, public relations, planning, business law, accounting, and management. Knowledge of Microsoft and Macintosh applications. Possess strong verbal and written communication skills, team player that can work independently, experienced in working with diverse groups of people and able to adapt within any environment. Experience & Proficiencies:

Underwriting:

● All levels of underwriting approval and exception up to $600,000 average 40 loans per month.

● Analyzes underwriting data including verifying income, assets and credit profile meet agency, government, and Non-QM guidelines as applicable. Summarizes observations, and provides recommendations and or training for remediation or procedural changes.

● Analyzing personal and business tax returns with advanced understanding of tax code and business operations.

● Utilizing Encompass Loan Origination System along with all Automated Underwriting ( AUS) platforms and verifying findings and approval messages are documented to meet guidelines.

● Recognizing inconsistencies and red flags for all financials, income, employment, asset, appraisals, title reports, insurance and occupancy fraud.

● Staying informed of guideline changes and updates such as the COVID-19 temporary guidelines.

Quality Control/Compliance Manager:

● Managed a team of 15 members, both on-site and remote, evaluated employee’s performance and recommended promotions or disciplinary action as needed.

● Plans and conducted audits of complex loans underwritten for assigned area(s) of responsibility.

Jenerice Clarke

● Provided direction/guidance and serves as subject matter expert to internal stakeholders on a broad variety of underwriting/compliance audit matters issues.

● Prepared and maintained accurate documentation on a variety of underwriting topics and ensured integrity of all documentation produced.

● Evaluated caseload to validate appropriate courses of action regarding underwriting requirements and determine if offer was made within approval limit.

● Developed processes/procedures for pre-fund and post-close audits and for rescinding issued policies that are out of compliance with established internal controls.

● Consulted with appropriate internal stakeholders and management on assigned loans; takes ownership of communications regarding loans to management.

● Developed and delivered presentations for internal stakeholders (e.g., underwriting, processing teams and CEO).

● Developed complex reports on audit findings for Compliance, Pre-Funding, Post-Closing, Annual reporting on Cancel Denied and Withdrawn loans; identifies and evaluate trends/ issues, common errors, and offers solutions utilizing business object report writing system.

● Liaises with management and other resources to develop consistent dashboard reporting capabilities.

● Represented organization at industry meetings/conferences, acquires underwriting intelligence, shares information internally.

● Collaborated with appropriate internal stakeholders (e.g., Underwriting and other departments) to select profitable risks to achieve company goals.

● Effectively and efficiently manages the audit process for assigned caseloads, including changing priorities as needed and being open to different approaches/views on underwriting issues.

● Identifies and communicates different and new alternatives to improve process and/or underwriting approach.

● Carried out duties in compliance with all state and federal regulations and guidelines. Complies with all company and site policies and procedures.

● Reviewed correspondent closed loan packages for documentation accuracy, compliance with federal and state regulations.

● Maintained mortgage compliance policies, procedures, and programs to ensure compliance with existing regulations and best practices, in collaboration with the Chief Compliance Officer and SVP of Mortgage Banking.

● Assists and tracks progress of audit/exam request and exception items to ensure timely response and resolution.

● Review and prepare responses to any investor findings and any repurchase requests

● Conduct SAFE Act Audits to ensure all requirements to the SAFE Act regulation are adhered to an annual basis.

● Leads mortgage QC and compliance initiatives and maintains a good working knowledge of the requirements of mortgage origination regulations including but not limited to knowledge of Agency guidelines, Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Privacy of Consumer Financial Information, Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act

(RESPA), Truth in Lending (TIL), RESPPA/TIL (TRID), Flood Disaster Protection Act Jenerice Clarke

(FLOOD), etc.

Loan Origination:

● Daily solicitation of real estate contacts facilitating relationship building while increasing client base.

● Selling and Marketing first and second mortgages and refinance products.

● Analysis of client financial information on an individual basis through calculation of debt ratio, mortgage payment, closing costs, and required down payment

● Consultation with clients on managing and improving credit rating and financial status

● Packaging of client information based on mortgage product guidelines Goodwin College, East Hartford, CT

Associate of Science in Business Studies Entrepreneurship/ Small Business Management Certification

Fox Institute of Business, West Hartford, CT

Certification in Business Studies

Computer Business System Applications

References available upon request

Employment History:

Mortgage Underwriter III, Newtown Savings Bank 03/2022 – Present Quality Control Analyst II, Promontory Mortgage Path 06/2020 – 03/2022 Underwriter CHFA 09/2019 – 06/2020

Quality Control Manager Norcom 04/2019 – 09/2019

Quality Assurance Underwriter Norcom 06/2013 – 04/2019 Mortgage Underwriter ISGN 06/2011 - 06/2013

Mortgage processor ISGN 05/2010- 06/2011

Technical Support Representative Cablevision 08/2007 - 05/2010 Loan Officer Primary Residential Mortgage, INC 07/2008 - 07/2009 Loan Officer The Mortgage Shoppe, LLC 03/2007 - 06/2008 Education:

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