Quality Control A Team

Summary/Skills

Goal driven, results oriented professional with more than 10 years of combined experience in the mortgage and credit industry from Loan Origination to Underwriting. Ensured accuracy and consistency of underwriting standards. Strong communications and leadership skills, versatile, highly solutions and detail oriented. Able to work independently as well as part of a team. Excellent multi-tasking skills with an emphasis on time management and making sound business decisions. Adept at working in a fast-paced environment.

Proficient with ACES, Calyx Point, Encompass and Genesis mortgage software, Microsoft Office Application (Word, Excel), LexisNexis, AUS (DU/LP) and CAP Market

Experience

SMALL BUSINESS ADMINISTRATION February 2023 to Present

Loan Specialist

Review and respond to borrower, lenders and 3rd party inquiries regarding SBA COVID EIDL business loans

Perform document review for Subordination, Hardship Accommodation, Assumption, Ownership change, Subordination, Release of Collateral and Re-amortization of loan for all COVID EIDL loans

Process payoff, loan verification or UCC lien release requests

Updated team members on any management updates or changes

Worked closely with Leads/Supervisors addressing difficult situations and followed up with response to problem files that were escalated

Maintain over 97% accuracy

Proficient in STARS, LIRA & DCMS and ULP

CALIBER HOME LOAN/NEWREZ Remote

Quality Control Underwriter

Perform in-line quality control reviews of mortgage loan files from wholesale, correspondent and retail channels to confirm adherence to specific lender guidelines i.e. FNMA, FHLMC, FHA, VA and USDA with an emphasis on post-closing audits and compliance.

Work within a corporate structure, as well as within the client-level management team to ensure alignment of company and client quality standards.

Reviews include identifying potential fraud and/or misrepresentation, processing / underwriting deficiencies, compliance violations, and/or applicable scope specific opportunities

Partner with client's quality departments to resolve defects.

Complete 45+ files per month with 97% accuracy.

Complete employment/income and asset reverification per investor requirement

FLAGSTAR BANK Remote

Senior Delegated Auditor/Underwriter

Review loans from Correspondent and Wholesale lenders to ensure files meet in-house overlays and investor guidelines (FNMA, USDA, VA, FHA, FHLMC) prior to purchasing.

Validate and correct loan data between system, AUS findings, and loan documents

Review discrepancies in data received. Requests clarification or additional documentation when required, and ensures proper and timely follow up if no response or resolution in 24 hours

Review complex income for all loan types (Conventional, FHA, VA, USDA)

DIGITAL RISK LLC Remote

Senior Quality Control Underwriter

Review conforming and non-conforming loan files completed by Level 3 and Level 6 Underwriters prior to the issuance of conditional loan approval as well as before final loan approval

Ensure all documentation and calculations are accurate to meet lender and investor (FANNIE/FREDDIE) guidelines

Calculate all income types and analyze assets, appraisal and title for accuracy

Provide timely and constructive feedback to Underwriters and Processors regarding any inconsistency or errors found in loan file

Complete 6-9 files per day

ADDITIONAL EXPERIENCE

Bank of America

Lending Center Officer (2017 to 2019)

Digital Risk, LLC

Senior Processor (2015 to 2017)

Bayview Loan Servicing, LLC

Escalations/Compliance Analyst (2012 to 2015)

Bank of America

Home Service Specialist (2010 to 2012)

Nation’s Best Mortgage, Inc.

Licensed Mortgage Broker/ Loan Processor (2003 to 2008)

Degrees and Certifications

Bachelor of Arts, Communications: University of Miami

Notary Public

Contact this candidate