Risk Management Operational Excellence

Latrina Lester

Jacksonville, FL 904-***-**** *******.******@*****.***

Professional Summary

Results-oriented mortgage professional with over 24 years of progressive experience in loan validation, risk management, and underwriting. Expertise in FHA, VA, and Conventional loan compliance, with a strong record of driving operational excellence and regulatory adherence across major financial institutions.

Core Competencies

Loan Underwriting • Mortgage Compliance • Risk Management • Auditing • FHA/VA/Conventional Loans • Post-Closing Review • Fraud Detection • Financial Documentation • Credit Analysis • Loan Origination Systems (Empower, AUS, Nexus) • Tableau • Workday • SAS • SQL

Professional Experience

Jr. Underwriting Analyst PNC Mortgage — Jacksonville, FL June 2018 – Present

• Analyze borrower documentation, credit profiles, and asset statements to assess loan risk.

• Ensure applications comply with statutory and investor guidelines; verify signed Form 1003.

• Audit title policies and clear discrepancies before underwriting approval.

• Calculate loan-to-value and debt-to-income ratios to confirm eligibility.

• Prepare summaries and audit cases for regulatory and internal review.

Post Closer / Analyst Bank of America — Jacksonville, FL March 2009 – June 2018

• Oversaw pre-closing and post-closing audits to ensure file accuracy and investor readiness.

• Managed PMI documents, closing packages, and resolution of post-purchase conditions.

• Improved turnaround times for aged packages through coordinated communication and follow-up.

Fraud Analyst Bank of America — Jacksonville, FL May 2008 – March 2009

• Tested customer-facing financial systems to detect vulnerabilities in credit, deposit, and digital areas.

• Collaborated on development of fraud prevention strategies through simulation exercises.

• Assisted in triage and executive escalation activities related to fraud incidents.

Funding Review Analyst / Research J.P. Morgan Chase — Jacksonville, FL September 2005 – May 2008

• Maintained FHA loan compliance by analyzing loan packets and reviewing AUS submissions.

• Created loan tracking systems and advised management on high-risk accounts.

Loan Processor Countrywide Home Loans — Jacksonville, FL June 2000 – September 2005

• Processed over 1,000 mortgage loans from origination to close for FHA, VA, and Conventional programs.

• Verified credit, ordered appraisals, and ensured closing requirements were met on time.

• Liaised with title companies, underwriters, and borrowers to maintain smooth pipeline workflow.

Training & Certifications

Mortgage Principles for FHA, VA, and Conventional Loans; Loan Origination; Loan Processing & Underwriting; Privacy Laws; Truth in Lending Act

Notary Public, State of Florida (Commission Expires May 11, 2027)

References

Available upon request.

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