Marie E Ayala

***** **** ** (***)

***-****

Winnetka, CA 91306

adx3cg@r.postjobfree.com

Objective and Skills

Diversified experience in quality control underwriting, Compliance analysis, HMDA reportingt, Mortgage documents, Fraud inspection/detectoring, re-verification, acquisitions audits. Expertise in quality control, customer needs assessment, customer service and interpersonal skill, turn time efficiency planning, training, and organization skills. Self –Efficient, out- going, team player. Compliance Certified. Strong Team Player with a positive attitude. Ability to multi-task and prioritize heavy workloads, Strong analytical and problem solving skills, thorough knowledge of post-closing and pre-funding audits. Possess strong work ethics, ability to effectively interact with internal and external customers. Always welcoming any challenge. Proficient in Word, Excel and 10-key by touch. Strong knowledge of Encompass, Auditorium, as well as most Gems Programs, DTS, AS400, I-portal, Ruby and Sapphire, Diamond etc.. PROFESSIONAL EXPERIENCE

Millennial Home Lending Chatsworth,

CA QC Underwriter Oct 2020 -

Mar. 2022

● Started the QC department from scratch and set the expectations

● Responsible for auditing 50 % of each Underwriter’s pre-fund loans

● Made sure the loan is within FNMA, Freddie Mac and state guidelines before the loan funded

● Made sure the loan is within compliance guides before the loan was allowed to fund

● Reported to operations any errors and made sure those errors were corrected before the loan moved to funding

● Kept track and investigated any patterns of mistakes for potential fraud

● Responsible for Auditing the post-fund files

● Researched and validated any investor finding as well as any repurchase file

● Assigned loans to other underwriters

● Reviewed all escalation when underwriters revoked any findings

● Trained all new team members

● Auditeded all underwriters audits request prior to approving the file PennyMac Loan Servicing, LLC Moorpark, CA

QC Underwriter Mar. 2013 - Oct. 2020

● Audited 10 % of each Underwriter’s pre-fund loans on the credit side as well as the compliance side.

● Made sure the loans follow FNMA, Freddie Mac, Jumbo, FHA, VA, Ginnie Mae guidelines as well as State and Federal regulations

● Made sure the loan is within compliance guides before the loan is allowed to fund.

● Reported to operations any errors found and make sure those errors are corrected before the loan is funded.

● Kept track and investigated any patterns of mistakes for potential fraud

● Responsible for Auditing the post-fund files from retail as well as the loans from CLG Compliance Analyst Mar. 2013 - Oct. 2020

● Verified that the information entered in the system was accurate

● Validated and handled all the audits for non-funded files specifically the HMDA side of the loan

● Submitted the LAR Report quarterly

● Made sure all the errors were corrected in the report if any was found.

● Audited the Approved and Final HUDs to make sure they were within compliance Prospect Mortgage, LLC/Post-Closing QA Sherman Oaks, CA HMDA Project Manager Jun. 2011 – Mar. 2013

● Supervised 24 HMDA Associates reviewed all the HMDA information for 2010

● Validated and handled all the escalations daily for each HMDA Associate

● Verified the information entered in the system was accurate by performing spot audit for each of the associates

● Reported the project progress as well as any inconsistencies daily to upper compliance managers

● Identified the errors in each file audited and provided feedback Government Insurance Tech Jun. 2011 – Mar. 2013

● Reviewed FHA Files daily and get it insured same day if possible

● Reviewed the loan documents required by FHA connection to make sure it met FHA requirements

● Verified no fraudulent activity had occurred during each transaction

● Requested any corrections for any incorrect document or requested any missing documents

● Identified and corrected any errors in FHA Connection when not matching the documents in each file

● Made sure the files were insured within 48 hours of review QA Associate Jun. 2011 – Mar. 2013

● Reviewed all the loan documents for each file program (VA, FHA, 203K Conv.) and identified any discrepancies

● Verified that no fraudulent activity hasdoccurred during each transaction

● Requested any corrections for any incorrect documents and requested any missing documents

● Identified the errors in each file and provide feedback to operations

● Reviewed the files escalated by otRher associates and obtained the documents needed to release the files to the investors Bank of America Home Loans Simi Valley,

CA

Foreclosure Documents/ Foreclosure Specialist Jan. 2010 – Jun. 2011

● Reviewed each document requested from each attorney in every state

● Made sure the document was in the imaged file and if not requested it from storage

● Communicated with the attorneys and find out the status of the foreclosure status

● Requested documents from the county for each document that required recording Mortgage Servicing Specialist II Oct. 2008 – Jan. 2010

● Researched post-closing deficiencies related to Master File Audits (MFA), Automated Underwriting (AUS) from both internal and external clients. Maintained a detailed spreadsheet of all deficiencies in my pipeline on a daily basis

● Resolved each deficiency within departmental guidelines by contacting the clients and request the corrections needed to provide FNMA with salable loans

● Monitored and ran FNMA/ FHLMC report once a week for the team to make sure all the employees were within time to resolve the deficiency to avoid any repurchase

● Conducted root caused analysis report to prevent/reduce deficiency, made sure the report was up to date and correctly completed

● Validated each deficiency to ensure if it was valid and if so was it a collateral deficiency or Master File Deficiency Rando Productions, Inc./Production North Hollywood, CA Office Manager Jul. 2006 – Oct. 2008

● Approved 70+ employee time cards, issued paycheck for all full time employees as well as contractors

● Processed each employees’s benefits

● Scheduled meetings, lunches and any event with clients as well as scheduled each event (shot video, turn table, concerts, movies, etc.)

● Conducted walk throes making sure each employee in the shops were wearing the proper equipment for the job each one was assigned to

● Responsible for all the shipping, receiving, accounts payable and accounts receivable Select Personnel (Countrywide Home Loans) Simi Valley, CA Fraud Detector Specialist Jan. 2001 – Jul. 2006

● Responsible for identifying fraud in each file selected for an audit

● Responsible for identifying who was involve in the fraudulent file (LO, Processor, UW, Funder or borrower)

● Issued Suspicious Activity Reports (SAR) for each file that was identified as a fraudulent file

● Responsible for contacting the borrowers and investigated where the Social Security Number came from (if the fraud was SS#)

● Contacted the SS Administration to verify if the SSN provided belongs to the borrower or not

● Provided the Legal department with each fraudulent file and the investigation report as well as the logs of conversations take place during the investigation and the SAR report with the names of each person involve

● Verified any fraud within the appraisal, purchase contract, and addendums JR Olsen Bonds & Insurance Canoga Park, CA

Fidelity Bond Assistant Jan. 2000 – Jan. 2001

● Responsible for shop in different insurance company to get the best quote for our clients

● Responsible for insuring and issuing each policy for Fidelity, Errors and Omissions as well as Directors and Officers Policies

● Issued renewal notices and process all the payments received for new policies and renewals

● Responsible for contacting UW when policy has been process incorrectly or for any additional endorsements needed Charter Pacific Bank / Operations Agoura Hills,

CA

Merchant/Vault Teller May 1997 – Jan. 2000

● Responsible for processing all transaction for all the business accounts

● Responsible for piece count each cash deposit brought in by the customers

● Responsible for ordering cash for the entire branch as well as buying and selling cash to the tellers as needed

● Responsible balancing the vault as well as my personal cash drawer each night in the morning and at night

● Responsible for surprise cash count each teller as well as the team leads and manager CERTIFICATES

● Notary Public

● Loan Signing Agent

● Immigration Documents Specialist

EDUCATION

● Birmingham High School - Graduated in 1997

● Los Angeles Valley College – Transffered 2022

● National University - 2022 - Still attending

References

Available upon request

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