Keith B. Harrison

*** ****** **** *****

Woodstock, GA 30188

Cellular 704-***-****

adzlrz@r.postjobfree.com

Personal

Goal oriented individual with a strong work ethic seeks a position in the finance industry that will capitalize

on more than twenty years of management, consumer lending, underwriting personal loans to home equity

mortgage, sales, and collections experience. Desire an opportunity to use current management,

organizational and underwriting skills. These skills coupled with knowledge of various financial computer

application programs and ability to lead others has given me the background for successful production in

this field.

Employment

Pre-Funding Quality Control Auditor, Angel Oak Home Loans, Aug 2018 – Present

Audit of Conventional, Non-QM, FHA, VA, and USDA Loans.

Reviews automated selection reports daily as applicable for each company queue.

Selects loans targeted for review per selection reports and denotes selection of each loan inside of Encompass on the designated PFQC screen.

Review new files within 24 hours of receipt/assignment.

Review a minimum number of 3.5 files per day.

Audit each loan in accordance with the company designated scope of review and assign an initial PFQC corresponding risk rating to the file in accordance with the company’s approved rating system.

Deliver all Initial and Final PFQC audit findings in accordance with company policy.

In accordance with company requirements, monitor the assigned Rebuttal Queue to ensure any material, moderate or acceptable noted risks are addressed within the Rebuttal due date.

Escalate any disagreements with audit findings and acceptability of UW response to the credit risk manager and auditing manager as applicable.

Review rebuttal response to ensure response adequately addresses findings; Enters PFQC Final Risk Rating and selects the audit process complete button; Each loan is to receive one overall rating based upon the highest severity defect.

Complete Post Closing Diligence Reviews each month, reviewing defects cited by third party reviewer and comparing this review to the PFQC review for sampled loans; provide detailed feedback on PFQC findings compared to third party findings within specified timeframe given by management.

Review and respond to any repurchase/indemnification demand for applicable loans sampled by PFQC; provide detailed feedback regarding defects cited by third party and offer possible remediation for deficiency.

Review files for Compliance accuracy and adherence to Corporate Policy as applicable.

Stay abreast of current investor, GSE and state/ federal lending guidelines.

Complete all Company and Investor Training as required within specified time lines.

Be Point of Contact for mortgage operations members in regards to file status and/or audit findings.

Work with Auditing Manager and Lending Services Management to identify defect trends and adjust scope of review as needed.

Top producer on team in number of loans reviewed. Member of work group developing new AUS tracking

and rating system. Worked on special projects for delivery to investors.

Senior Credit Analyst, Maxex, Dec 2017 – July 2018

Audit of Third-Party Review Findings prior to Investor Purchase.

Review of Jumbo Underwriting Guidelines.

Appendix Q Compliance Review.

Confirm loans meet High Balance Fannie Mae guidelines.

Post Funding review.

Work with system administrators for AUS development.

Senior Underwriter, Primary Capital Mortgage, Oct 2014 – Nov 2017

Frontline mortgage underwriting in broker originated business.

Conventional loan review for Fannie Mae and Freddie Mac origination.

Work with management to develop new AUS.

Implement standard conditions for new AUS system and uniformity across product line.

Provide feedback to Pre-Funding Audit reviews.

Work directly with Team Lead for coordinator authority.

Consistently recognized amount peers for outstanding customer service and problem solving ability.

Quality Control Auditor, Senior Underwriter, Accenture Credit Services, August 2012 to Sept 2014

Perform Audit of all initial Loan applications to render QC Audit Results consistent with the credit

policies, and all applicable Federal/Regulatory guidelines (Anti-Money Laundering, Bank Secrecy

Act, ECOA, Fair Lending, CRA, FCRA, etc.) as well as Lender specific guidelines.

Use of Fraud Tools including LexisNexis, Intellinx, and LoanSafe,

Track and report deficiencies related to income, credit, value, and AUS approval to management

with recommendation to improve quality.

Provide written and verbal feedback to Subject Matter Experts and Underwriting Team Leads.

Grade loan files for any deficiencies found.

Log results in Share Point database.

Evaluate Non-Permanent Resident Alien and Trustee files prior to final review by Client Audit

team to ensure all relevant conditions met.

Exceeded minimum daily production requirements for all 7 months after “Ramp Up” period with 100% Quality review rating. Worked with SME’s to develop correct guidelines prior to review of Level 80/81 by

Client Audit team. Worked in a team environment to create uniform verbiage for Audit findings.

Loan Review Auditor II, Senior Forensic Underwriter, Bank of America, April 2009 – July 2012

Outbound/Inbound

Complete Audit of defaulted mortgage to identify deficiencies sufficient for repurchase.

Identify any Misrepresentation committed during loan origination and provide supporting

documentation for written repurchase request.

Review of Appraisal to determine if value was supported during loan application.

Compose written arguments to the Servicer citing reasons for repurchase request.

Complete written responses to the Servicer’s rebuttal to our repurchase demand.

Utilize Realquest.com, Lexis Nexis, Land safe, and numerous other sites to research loan file and

provide any supporting documentation to support repurchase request.

Assigned to special project during transition to Investor claims.

Review underwriting guidelines for Fannie Mae and Freddie Mac to validate or dispute the

Claimant’s Finding and compose a written response

Line of business changed in March 2012 from loans where Bank of America was the Investor (Outbound)

to loans serviced by Bank of America (Inbound) with investors such as Fannie Mae and Freddie Mac. Led

team in production and exceeded the average production numbers of fellow team members by 50%.

Provided transition training to other team members to the new Inbound process.

Senior Underwriter Fannie Mae, Goldman Sachs 2007-2009

Underwriting of Fannie Mae and Freddie Mac mortgages. Analyze tax documentation for income

approval. Approval of Condo Projects. Interpretation of Desktop Underwriting (DU), Loan

Prospector (LP), and AUS findings. Appraisal review and validation of subject home value.

Establish and maintain relationships with third party mortgage brokers.

Qualification of loans and borrowers for mortgage insurance.

Worked on several special projects including loss mitigation. Evaluated loan portfolio for sale to investors.

Implemented new loan products and procedures for changing market. Worked with IT department to

implement new software changes.

Underwriter Level IV, Wells Fargo and Company 2005-2007

Underwriting of Subprime and Alternative option mortgages.

Assure that all loans reviewed complied with company, state and federal regulations.

Calculation of income and debt-to-income ratio to comply with program guidelines.

Determine eligibility for Prime versus Subprime loans.

Achieved high level of customer satisfaction scores consistently over 12 month plus period. Managed

pipeline and consistently closed a high percentage of loans with commitments issued.

Home Mortgage Consultant, Wells Fargo and Company 2003-2005

Direct support of Subprime loan department for Regional Builder.

Solicitation of home equity loans for purchases and refinances.

Develop referral partners, conduct and organize seminars for industry professionals and

consumers.

Pre-qualify customers for loan approval within various lender guidelines.

Solicitation of business through internal and external sources.

Work with local home builders in Joint Ventures. Top loan producer in multi-state region. Achieved 100%

satisfactory rating on customer service surveys.

Team Leader, Oakstreet Mortgage 2002-2003

Onboarding of Sales Managers and Loan Officers

Motivation and mentoring of team members, Supervise training classes for office staff in product

knowledge. Relationship development with outside vendors. Prepared production reports for

tracking of Loan Officer Performance.

Top 10 producer in revenue and volume. Led region in revenue production in October 2002. Led training

classes resulting in improved processing time. Established referral sources with realtors and consumer

finance companies.

Branch Manager, Washington Mutual Finance 1996-2002

Management of branch operations. Underwrite Revolving, Personal, Auto, and Home Equity loans

Recruitment, Hiring, Training, Motivation and development of office staff. Direct sales efforts of

staff to consumers of home equity, auto, personal loans and insurance products. Business

development through outside sales efforts of retail stores. Management and collections of

accounts receivable.

Managed one of the most profitable offices within the state achieving annual profit goals in only 9 months

while improving the quality of the office’s loan portfolio. Increased average APR written on personal loans

and home equity loans. Real Estate loan development increased 100%. Office led district in life insurance

sales and reduced charge-off over a 12 month period.

Education

Manatee Community College, Bradenton, Florida-1995/1996

Completed Accounting Courses toward Business Degree

Fort Lewis College, Durango, Colorado-1994/1995

General Studies

Contact this candidate