Customer Service, Sales, Mortgage Underwriter, Management
Resume:
Keith B. Harrison
Woodstock, GA 30188
Cellular 704-***-****
*****.**********@*****.***
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
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