Quality Control Assurance

JAMES REX

South Pasadena, FL ***** ***- ***-**** ********@*****.*** LinkedIn

Mortgage Professional

"Driving Excellence in Mortgage Processes with Precision, Compliance, and Innovative Solutions" Versatile and dynamic professional with extensive experience in credit risk management and quality assurance within mortgage lending industry. Expert in enhancing loan processing accuracy and compliance through in-depth analysis and quality control measures. Demonstrated keen eye for detail in reviewing loan origination and servicing procedures to uncover discrepancies that could impact loan integrity and financial stability. Adept at leading quality assurance audits and fostering culture of continuous improvement to optimize operational efficiency. Instrumental in setting up comprehensive resource repository for credit and product guidelines, reducing response times, and expediting loan approval for stakeholders. Ability to engage in transparent communication with executive management, facilitating informed decision-making via reporting and tracking of audit results. CORE PROFICIENCIES

Regulatory Compliance Auditing Forensic Underwriting Analysis Risk Identification & Mitigation Quality Control Loan Origination Servicing Examination Fraud Detection & Prevention Investor Relations Stakeholder Engagement Process Improvement Strategic Planning & Execution Team Building & Leadership Data Analysis & Reporting PROFESSIONAL EXPERIENCE

ClearPoint Mortgage, LLC 2024 to 2025

Sales Manager

Supervised four loan officers under a Joint Venture between Logan Finance and Douglas Elliman Realty.

Assisted Loan Officers in structuring loans in order to gain approval.

Assisted Loan Officers with understanding and documenting required conditions to close.

Provide sales assistance in order to meet monthly quotas. Planet Home Lending, LLC, Tampa, FL 2011 to 2023

Senior Credit Risk Analyst (2021 to 2023)

Administered quality control requests, ensuring timely submission by navigating through Fannie Mae's Loan Quality Conne and Freddie Mac's Quality Control Advisor to enhance compliance with industry standards and minimize loan processing errors.

Facilitated resolution of Missing Document Requests by leveraging detailed knowledge of mortgage documentation requirements, improving loan file integrity, and expediting approval process.

Streamlined data verification process using advanced analytical techniques on platforms like Fannie Mae's Loan Quality Connect, which increased accuracy of loan data and supported informed decision-making in credit risk assessment. Senior UW Scenario Desk Analyst (2020 to 2021)

Served as pivotal liaison for loan officers and stakeholders, providing essential product and credit policy assistance, which streamlined communication and enhanced operational efficiency.

Enhanced support structure for Planet's business channels by synthesizing complex credit policies and product guidelines into actionable advice, improving overall loan approval process and customer satisfaction.

Developed comprehensive resource repository for credit and product guidelines, enabling quick access to vital information and reducing response times for inquiries.

Senior Credit Risk Analyst (2019 to 2020)

Coordinated efforts with Post Closing Team to address and resolve loan defects before investor sale by implementing rigorous review protocols, boosting loan portfolio quality and investor confidence.

Collaborated cross-functionally with underwriting teams to develop targeted training programs, enhancing staff competency in identifying and mitigating loan defects, resulting in a reduction in post-closing errors and improved loan quality. Interim Head of Quality Control (2017 to 2018)

Led restructuring of Quality Assurance/Quality Control Department to optimize process efficiency by enacting innovative strategies. Executed mortgage servicing and origination quality assurance audits by assigning and managing top-performing JAMES REX Page 2

departmental staff.

Developed and presented consultative reports to senior management, providing critical insights and recommendations for best practices implementation and enhancement in quality control measures based on Furst Line of defense Risk Assessments.

Aided in effective communication across all levels of management and staff to discuss operational processes and audit findings, promoting culture of transparency and continuous improvement.

Enforced consistent application of procedures and policies throughout organization, fostering uniform approach to quality assurance and reinforcing compliance standards.

Director of Wholesale Operations (2016 to 2017)

Outlined strategic plan for wholesale division to cultivate robust mortgage broker partnerships, leading to streamlined operations and maximized business growth. Utilized in-depth analysis of customer, sales, and loan data to optimize production timelines and accuracy, supporting company's commitment to operational excellence and client satisfaction.

Offered exceptional customer service to wholesale partners to exceed expectation levels by maintaining stringent quality standards and providing effective training.

Propelled accomplishment of company’s goals through strategic oversight and effective resource management by evaluating key financial metrics with focus on margin and cost efficiency Retail Branch Manager (2015 to 2016)

Built and sustained loan pipeline to accelerate loan application processing and minimize wait times. Instituted robust performance and productivity metrics to drive operational excellence by leveraging statistical analysis. Upheld superior customer service and compliance standards to maintain company reputation by monitoring loan officer activities, ensuring consistency with company values and regulatory demands. Accomplished operational goals and drove branch success by setting clear objectives and focusing on safety, soundness, and compliance, securing commendable regulatory examination results. Spearheaded human resource management to assemble high-caliber team by overseeing hiring, performance appraisals, and disciplinary actions.

Boosted sales team performance to reach targeted sales goals by employing advanced coaching techniques and nurturing culture of excellence.

Revolutionized branch lending operations to elevate customer satisfaction by streamlining processing, underwriting, closing, and funding procedures, driving smoother transactions and positive customer feedback.

Fortified loan origination compliance to mitigate legal and financial risks by rigorously enforcing adherence to state, federal, and agency guidelines.

Catalyzed professional development of team by providing strategic leadership and support, fostering conducive environment for growth and improvement.

Empowered team with origination best practices by serving as go-to subject matter expert and championing knowledge sharing. Quality Control Manager (2011 to 2015)

Orchestrated quality control program in compliance with HUD, GNMA, VA, FNMA, FHLMC, USDA, investor, and insurer standards to mitigate potential risks. Conducted thorough examinations of loan origination and servicing processes to identify and rectify discrepancies, enhancing the accuracy and integrity of loan portfolios.

Elevated transparency and accountability by systematically monitoring, tracking, and reporting audit outcomes to executive management and audit committees.

Built robust quality control frameworks for loan originations and servicing by continuously updating and enforcing best practices.

Executed in-depth audits on all instances of fraud or misrepresentation detected in origination quality assurance audits, EPD audits, and investor repurchase demands to safeguard company's interests and maintain investor confidence. Clayton, Tampa 2010 to 2011

Forensic Underwriter

Conducted in-depth forensic underwriting reviews of closed mortgage loan files to ensure strict compliance with State and Federal laws and FNMA guidelines and alleviate buy-back/put-back risks.

Scrutinized loan files to uncover potential fraud and misrepresentation by parties involved in transactions, maximizing security of loan portfolio.

Additional Experience:

AVP, Operations Manager JP Morgan Chase

Area Sales Manager Saxon Mortgage

AVP, Operations Manager Fremont Investment and Loan JAMES REX Page 3

EDUCATION & CREDENTIALS

Bachelor of Science (B.S.) in Business Administration-Accounting Bloomsburg University of Pennsylvania, Bloomsburg, PA NMLS License

DE Number IN49

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