JOAN FABINY

Phone:440-***-****

adwsm1@r.postjobfree.com

PROFESSIONAL SUMMARY

Over 25 years experience in the residential mortgage lending industry. Knowledge in the entire loan cycle including origination, processing, underwriting, closing, funding, and secondary market. Emphasis on quality assurance, quality control and compliance risk. 10 years experience in a remote environment. SKILLS SUMMARY

● Financial intellect as well as fundamental understanding of a mortgage application life cycle

● Great communication skills and time management skills with the ability to prioritize and perform multiple tasks simultaneously

● Encompass 360, EasyLender

● Ability to analyze and comprehend complex financial data and provide financial alternatives

● Experience with Microsoft Office and Loan Application software

● Strong experience with FHA, Conventional, and VA loans

● Experience with purchase and re-fi transactions

● Strong leadership and attention to detail

PROFESSIONAL EXPERIENCE

Mphasis Digital Risk Mortgage Services

August 2020-October 2022

Home Preservation Underwriter

Outsourced provider to the mortgage banking

industry performing in-line quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre and post closing audits, compliance and other client required quality service levels. Second level reviewer of various

projects containing over 80,000 files. Identify

potential fraud or misrepresentation, underwriting deficiencies, and compliance violations for matters requiring attention citations. 99% accuracy of Covid 19 request reviews of loan servicing systems.

Geauga Savings Bank

February 2017-January 2020

Compliance Risk Specialist

Research compliance laws and regulations that affect the mortgage and chattel business. Assist in

implementing policy and procedure changes for the

different departments within the company.

Collaborate with business units to ensure that

control environments are designed to comply with

regulatory guidance. Project lead for loan origination software conversion built around origination and

servicing compliance.

Mortgage Servicing Specialist

Process subordinations, lien releases, and

lending-related payments. Assist with escrow

disbursements and prepare loan payoff statements

for customers. Provide accurate and timely

disclosures to a borrower as required by applicable law. Investigate, respond to, and, as appropriate, make corrections in response to complaints asserted by a borrower. Provide owners or assignees of

mortgage loans with accurate and current

information and documents about all mortgage

loans. Project lead for loan servicing software

conversion.

Nations Lending Corporation

December 2012-February 2017

Compliance Audit Associate

Review 20% of closed mortgage loan files per month with an average of 250 reviews. Responsible for

conducting mortgage regulatory audits on closed

loan files for compliance with company, state, and secondary guidelines, resolving pending items and

meeting loan delivery/purchase deadlines.

Quality Assurance Loan Closer

Review 100% of approved mortgage loans in quality

assurance in queue. Work to address practices that are not in compliance with program requirements.

Prepare loan closing packages and paperwork for

150-200 loan files per month. Ensuring the accuracy and completeness of all required documents.

Managing and resolving any concerns, problems, and documentation issues.

Acting as an intermediary between all parties

involved in mortgage loan transactions. Ensuring

closing details comply with state and federal

regulations.

Coordinating mortgage closing proceedings.

Maintaining accurate closings.

First Federal of Lakewood

June 2007-June 2012

Residential Mortgage Underwriter

Review and approve loan documents for a mortgage.

Assessing financial risk during the mortgage

application process, recommending appropriate loan products, and explaining loan details. Exceptional communication skills to correspond clearly with

brokers and clients.Ability to manage multiple

applications at a time.Attention to detail ensuring that they attend to all elements of the application process. Ability to assess a client’s credit and to analyze financial data, including tax returns and

other financial documents. Comfortable prioritizing their work schedule and required tasks.

Mortgage Loan Assistant

Responsible for helping customers research loans

and navigate the application, approval and closing process. Recommending personal loan options to

clients and explaining their terms, determining risks for loaning to clients based on their credit and

processing paperwork.

Home Savings & Loan

June 2002-June 2007

Credit Analyst/Closer

Review and approve loan documents for a mortgage.

Assessing financial risk during the mortgage

application process, recommending appropriate loan products, and explaining loan details. Prepare loan closing packages and paperwork. Ensuring the

accuracy and completeness of all required

documents. Managing and resolving any concerns,

problems, and documentation issues. Acting as an

intermediary between all parties involved in

mortgage loan transactions. Ensuring closing details comply with state and federal regulations.

Coordinating mortgage closing proceedings.

Maintaining accurate closing schedules.

Geauga Savings Bank

January 1996-January 2002

Mortgage Closer

Preparing and reviewing loan closing packages and

paperwork. Ensuring the accuracy and completeness

of all required documents. Managing and resolving

any concerns, problems, and documentation issues.

Acting as an intermediary between all parties

involved in mortgage loan transactions. Ensuring

closing details comply with state and federal

regulations. Coordinating mortgage closing

proceedings. Maintaining accurate closing

schedules.

Mortgage Processor

Review and verify loan documents including income, credit, appraisal, title insurance, etc., and ensure the information is complete, accurate and complies with company policies as well as meets underwriters'

requirements. Enter information into LOS, follow up and communicate with both customers and loan

officers.

Contact this candidate