Quality Control Risk Management

LAURIE A. SMITH

615-***-**** ***************@*****.***

Nashville, TN

Ensure business divisions operate within the policies, procedures, and guidelines set forth by the company, state and federal regulators. Perform audits to confirm compliance. Recommend and facilitate training to align divisional results with company goals. EXPERIENCE

Compliance / Risk Management / Loss Prevention / Training QC Auditor 12/20 – 12/24

PHOENIX -Trading Mortgage Svcs. Analytics

Evaluate closed loans for purchase infractions, underwriting discrepancies and fraud.

Audit Conventional, Governmental, USDA and Reverse mortgage loans for compliance with industry and client overlay guidelines.

Use Encompass to review files and ACES to record inconsistencies and underwriter inaccuracies. QC Remediation Supervisor 6/20-12/20

GRANITE SOLUTIONS GROUPE (Wells Fargo -Contract)

Distribute and monitor quality control reviews, perform escalated peer reviews and execute projects.

Allocate quality control assignments to analyst and supervise accurate and timely completion.

Assist with training of systems, correction of errors and forwarding of projects to associates and leadership.

CITIZENS BANK (formerly) Franklin American Mortgage Company, Franklin, TN QA & QC Compliance Officer 2018-2019

Executed quality assurance and quality control audits, prepared detailed performance reports, while training colleagues on internal FAMC systems.

Assisted in the plan to restructure QA/QC assessments, in an effort to establish continuity among reviews.

Ensured appropriate supervision of customer accounts which aided in consumer loyalty and account retention.

Provided ongoing performance recommendations which resulted in above average departmental internal audit scores.

Customer Complaint Manager 2016-2018

Managed the daily oversight of company-wide complaints.

Initiated and managed a campaign which turned 95% unfavorable BBB reviews into 80% positive.

Developed and managed policy and procedures.

Researched and resolved all Regulatory & Social Media complaints and cross-trained support team.

Administered monthly meetings with Executive Leadership & Servicing Partners to address root causes, procedural changes and risk management.

Assisted in regulatory audits and aided in IT upgrades associated with complaint reporting. Internal Auditor 2015-2016

Used analytical and investigate skills to examine business partner’s compliance with policy and procedures. Trained colleagues on mortgage terms, customs and processes in preparation for audits.

Assisted in the establishment of the internal audit department, including the development of policy and procedures.

Created audit work papers, produced final reports and communicated findings and recommendations to Executive Leadership.

Project Manager / Closer - (Contract) 2008 to 2015 LOGOS REALTY CLOSING SERVICES, Brentwood, TN

Established company guidelines, while assisting in daily operations of analyzing and closing loans.

Developed policy and procedures used to sustain compliance with State and Federal regulations. Analyzed HUDs, title policies, trust agreements, power of attorneys, & subordinations for discrepancies and compliance.

Lead Underwriter / Forensic Auditor (Contract & Remote) 2012 to 2013 ZINGENUITY, Dallas, TX

Utilized managerial and training skills to assist junior underwriters with complex underwriting decisions.

Audited the solvency of individual and business financials, P&Ls, and tax returns.

Performed second reviews for new underwriters.

Managed & approved a monthly 30 million+ portfolio of Conventional and HARP loans. Underwriter / Auditor (Remote) 2004 to 2012

QUALITY MORTGAGE SERVICES, LLC, Franklin, TN

Evaluated loans for re-purchase infractions, underwriting discrepancies and fraud.

Audited Conventional, Governmental, USDA and Portfolio loans for compliance with FNMA, FHLMC, HMDA and other governmental guidelines.

Prepared reports detailing regulatory inconsistencies and underwriter inaccuracies. Adjunct Professor 2007 to 2009

VOLUNTEER STATE COMMUNITY COLLEGE

Designed, developed and delivered weekly classroom instruction to over 100 students.

Routinely evaluated student’s needs and comprehension course material.

Identified and collaborated with the college support division to aid students requiring learning assistance.

Trainer / Branch Start-up Consultant (Owner/Operator) 1997 to 2005 MUSIC CITY MORTGAGE INSTITUTE, Nashville, TN

Developed curriculum and trained clients on Governmental & State Regulations, RESPA, TIL, ECOA, Appraisal reviews, and basic Servicing guidelines, associated with the origination & processing of Conventional and Government loans.

Consulted on Branch Start-ups.

Provided contract processing to Brokers and Lenders.

Managed staff and developed marketing initiatives. EDUCATION

Dual Bachelors in Accounting & Business Administration Middle Tennessee State University

MBA - University of Phoenix (impending)

Continued Education

TRID, HMDA, UDAAP, BSA, AML, SAR FCRA, CIP, SCRA, ADA Bank Deposits Overdraft Requirements and more

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