QA Underwriter Analyst

Nadine Nzanda Buana (Former last name: Kiija) C: 817-***-**** *********@*****.*** Dallas, TX

SUMMARY:

10+ years advanced experience in Credit & Risk Operations. Skilled across Commercial Portfolio Credit Risk Management, Mortgage Banking Risk Management, and Credit Card Portfolio Risk Management. Responsible for ensuring processes meet standards in Operations, Loss Mitigation, and Risk Management of Consumer and Commercial Lending. Adept in risk and remediation using internal, investor, and regulatory policies and procedures in loan transaction, credit, and income analysis. Excels at analyzing results to identify trends and collaborates with Client Operations, business partners, and senior leaders to drive solutions to issues. PROFESSIONAL EXPERIENCE:

QUALITY ASSURANCE ANALYST

Digital Risk LLC Maitland, FL (Remote) 4/2021 - 8/2022

● Freddie Mac (FHLMC) Project assigned duties to identify, mitigate, and escalate risk in loan servicing operations and compliance

● Conduct comprehensive quality assurance activities and report issues and risks to remediate control gaps and weaknesses

● Determines whether loans will be held for investment or sold to the secondary market

● Makes recommendation for corrective actions to bring loans into saleability using Agency guidelines, plus Bank or Investor overlay guidelines

● Evaluates and summarizes compliance of loan decision, applicant borrowers, guarantors, real estate, income, credit, assets, collateral, as well, other risks, appraisal, survey, title, disclosures and legal documents Highlight: Decreased Mortgage Credit Losses to $13.8 billion in 2021 from $20.7 billion in 2020. Reduced Total net charge-offs to $2.1B in 2021 from $4.1B in 2020. Served as a Leader and Subject Matter Expert by sharing feedback and best practices with junior team members. SENIOR UNDERWRITER

Infinity Mortgage Holdings LLC Austin, TX (Remote) 9/2020 - 4/2021

● Provided mortgage underwriting for consumer, investor, builders and client business partner

● Performed underwriting analysis of multiple properties and different loan types (1-4 Family, Multi-Family, Condo/TH) Highlight: Funded $145MM in 2021 Loan volume and funded $227.5MM in 2020 Loan volume. SENIOR UNDERWRITER

Digital Risk LLC Carrollton, TX (Remote) 12/2019 - 9/2020

● Assigned to Bank of America service project to provide mortgage underwriting for consumer, investor, builders and client business partner

● Performed underwriting analysis of multiple properties and different loan types (1-4 Family, Multi-Family, Condo/TH) Highlight: Funded $69.1B in 2020 loan volume Earned the prestigious underwriting SASE Certification. WHOLESALE UNDERWRITER

TargetCW Employment Agency San Jose, CA (Remote) 8/2019- 12/2019

● Assigned to LoanDepot originations project to assess and manage the loan portfolio for approval, decline, or stipulating conditions for final approval

● Performed key analysis of credit and income, reviewed legal documentation, including note, deed, survey, and collateral appraisal Highlight: Originated $20.5B for the year ended December 31, 2019, as compared to $12.6B the prior year. LOAN SPECIALIST

PennyMac Fort Worth, TX 10/2018- 8/2019

● Managed Loan Servicing Portfolio of 1.7 million customers

● Resolved delinquent accounts by offering repayment plans, modification, short sale, and assumptions in-lieu of foreclosure Highlight: Significantly limited repurchase by reduced liability of $6.3 million from previously sold loans meeting performance criteria by the Agencies.

Earned multiple awards for individual and team production MORTGAGE UNDERWRITER

Genpact Ltd. Richardson, TX 10/2016 - 4/2018

● Processed purchase and refinance transactions using guidelines for Conventional, Non-Conventional, FHA, and VA loans

● Performing income analysis of financial statements to determine income and repayment

● Assessed and documented risks, reviewed legal documentation, including note, deed, survey, and collateral appraisal Highlight: Exceeded production goals while maintaining high-level quality MORTGAGE LOAN OFFICER

Nationstar Mortgage dba Mr. Cooper Irving, TX 6/2015 - 4/2016

● Responsible to market and promote lending products; Identified and cultivated client needs for mortgage loans; Originated applications for purchase and refinance transactions

● Provided disclosures; Gathered and reviewed loan documentation for accuracy and completeness; Adherence to guidelines for Conventional, Non-Conventional, FHA, VA loans, and secondary market investors Highlight: Funded $5B in mortgages.

SINGLE POINT OF CONTACT - SPOC

CitiMortgage, Inc Irving, TX (Remote) 9/2011- 6/2015

● Responsible to provide struggling homeowners with mortgage foreclosure relief options, reduced repayment plans, loan modifications, and short sale

● Provided max value for borrowers and investors in portfolio loss mitigation workout solutions Highlight: Aided more than 180,000 distressed homeowners by funding $28.8 MM in mortgage foreclosure relief. Earned multiple awards by exceeding production and quality metrics. Promoted to SPOC role.

SENIOR CREDIT COLLECTIONS SPECIALIST

Citi Irving, TX (Remote) 4/2005 - 9/2011

● Supported collections management of consumer and commercial loan portfolio using diplomacy skills to resolve delinquency and escalations

● Conducted collection practices, reported control issues, and mitigated risk considering reputation, clients, policy, compliance, and law Highlight:

Provided credit cardholders with nearly $50MM in debt relief. Coached less experienced collectors to prioritize workflow and identified process improvements in principle and techniques. Promoted to Senior role.

CERTIFICATIONS and EDUCATION:

Digital Risk - Completion of QC Audit Training Programs (training per Freddie Mac), 2021-2022 Infinity Mortgage - Completion of Credit Training Program, 2020-2021 Digital Risk - Completion of Credit Training Program (training per Bank of America), 2019-2020 TargetCW - Completion of Credit Training Program (training per LoanDepot), 2019 PennyMac - Completion of Credit Training Program, 2018-2019 Genpact - Completion of Credit Training Programs,, 2016-2018 Nationstar Mortgage aka Mr. Cooper - Completion of Credit Training Programs, 2015-2016 CitiMortgage - Completion of Credit Training Programs, 2011-2015 Completion of Loss Mitigation Training Programs

Citi - Completion of Credit Training Programs, 2005-2011 Completion of Loss Mitigation Training Programs

TECH and SOFTWARE:

LexisNexis; Moody’s; SQL; Encompass LOS; Empower; Citrix; Loan Servicing Platform; QMOD; plus others Tarrant County College, Associate of Arts Degree

Language Fluency: English and French

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