Customer Service Risk Management

Joyce L. Edwards

************@*****.***

www.linkedin.com/in/joyce-edwards-468764354

Cell: 972-***-****

SUMMARY OF QUALIFICATIONS

Background:

Dedicated professional leader with excellent analytical, problem solving and customer service skills. Adaptable to deadlines, performed under pressure, extremely detail oriented and highly organized. Recognized as a Team Player that continues to improve and elevate.

Management

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Mortgage Closing Department • Performance Management

Skills:

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Payroll • Contract Negotiations &

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Purchasing/Inventory Control Administration

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Customer Service • Financial Transaction/analysis

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Risk Management • Loan Processing

Expertise:

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Regulatory Compliance Testing • Fraud Investigation

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Federal/State Compliance • Forensic Underwriting

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CFPB/SARs Compliance • Risk Management

Security Base Lending

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Rebuttal/Appeal Underwriting • Vendor Management

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EPD and FPD Reviews • HMDA/TILA/RESPA/TRID

Computer Skills:

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Windows/Word • MSP/Pega • Excel

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Encompass/LOS • Lotus 123 • Acuity/CPI

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H20 • Cogent • Efile

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Fraud Guard • Clarity • Stream/Calyx Point

Professional

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Strong communicator with the ability to effectively relate to all

Strengths:

management levels and individuals from diverse backgrounds.

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Use my bridging skills to help upper management and staff communicate with each other and inform staff of policy changes.

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Recognized by customers and management for exceptional industry knowledge, along with 13 months acknowledgements in a row for dedication to quality.

EDUCATION

Bishop College Dallas, Texas

Major – Accounting Minor - Business Administration

PROFESSIONAL EXPERIENCE

6/20 to 3/25 SOURCEPOINT Mortgage Remote Underwriter II, Team Lead Tampa, FL

•Supervise 6 to10 employees in the India Office. Assigned files for review, held daily meetings to troubleshoot and handle all questions and escalations that arise. Responsible for ensuring the Client received true and accurate decisions in a timely manner from the India location.

•Conduct proactive and effective pipeline management in accordance with performance standard expectations for my team and myself.

•Using any and all automated or manual underwriting engines review, analyze and underwrite files on first and second mortgage loans for various lenders according to their prescribed guidelines.

•Collaboration with Legal Department and Line of Business Management to evaluate the risk of the State and Federal Laws and Regulations and risk prevention

•Review and verify all financial documents to assess economic health of loan applicant including verifying income and employment as well as applicant’s credit history. Source additional information as needed when inconsistencies are found.

•Scrutinize accounts from which the applicant’s funds are originating to determine the credit worthiness of the applicant.

•Assess the property appraisal to ensure accuracy and appropriateness relative to loan being requested.

•Ensure conditions have been reviewed and approved for compliance and completion of loan.

•Maintain current knowledge of lender and investor requirements.

•Assists processors and other underwriters in understanding underwriting decisions and conditions.

•Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs along with learning any business unit policy and guidelines applicable to the spectrum.

•Make recommendations for credit and final approval to gain lending authority.

•Review loan files for completeness and accuracy

•Identifies portfolio risks resulting from the client’s underlying business practices, underwriting and/or fraud exposure.

•Knowledge of, but not limited to, BSA/AML training; Equal Credit Opportunity Act (Reg B); Mortgage Fraud Awareness; The Fair Credit Reporting Act; The Gramm-Leach-Bliley (GLB Privacy Rule); RESPA; The Safe Act; Office of Foreign Asset Control (OFAC); Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).

3/18 to 5/20 AMC Mortgage Remote Underwriter II Tampa, FL

•Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors

•Manual Frontline Underwriting of Non QM, Conventional, Conforming and Non Conforming loan products. Determining and documenting loan conditions and communicating requirements and/or decisions.

•Reviewing loan files for completeness and accuracy

•Identifies portfolio risks resulting from the client’s underlying business practices, underwriting and/or fraud exposure.

•Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs along with learning any business unit policy and guidelines applicable to the spectrum.

•Conduct proactive and effective pipeline management in accordance with performance standard expectations

8/16 to 8/17 AmeriHome Mortgage Underwriter Woodland Hills, CA

•Underwrite residential mortgage loans in accordance with Jumbo, FNMA, FHLMC, FHA and VA internal guidelines ensuring compliance with company and investor standards

•Manage individual pipeline on a daily basis by completing new underwriting reviews, condition reviews and other underwriting tasks within established turn times

•Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, including financials

•Assess and respond to fraud indicators

•Determine eligibility for private mortgage insurance

•Analyze automated underwriting applications and ability to assess results

•Structure loans according to lender requirements and credit quality

•Review appraisals for accurate property valuation

•Discuss marginal loans with Underwriting Manager before suspending or declining file

•Communicate with Underwriting Manager any elevated issues or concerns

•Conduct proactive and effective pipeline management in accordance with performance standard expectations

•2/15 to 8/16 Recovco Mortgage Remote Senior Forensic Underwriter Irving, Texas 8/11 to 8/12

•Performed risk analysis and forensic reviews on mortgage loan files per credit and compliance guidelines. The first employment with Recovco my main duties were to write rebuttal letters to FNMA and Mortgage Insurance Companies. This task required detail efforts to avoid repurchase and fines. The second employment duties are listed below.

•Used critical thinking and sound decision making regarding loan deficiencies when measured against company, industry and federal guidelines

•Identified transaction components that indicated the potential of fraud

•Performed sufficient investigative work to detail and resolve any fraudulent issues identified. Reviewed Underwritten loans for accuracy.

•Recorded data accurately and compiled a review of the circumstances as well as applicable conclusions. Main objective was to review Underwriters findings for accuracy and grade them accordingly.

•CFPB compliance reviews with emphasis on TRID and HUD reconciliations.

•Reviewed loan for policy and procedure as well as investor guideline compliance. Also complied all regulatory requirements noted on page one.

•Knowledge of, but not limited to, BSA/AML training; Equal Credit Opportunity Act (Reg B); Mortgage Fraud Awareness; The Fair Credit Reporting Act; The Gramm-Leach-Bliley (GLB Privacy Rule); RESPA; The Safe Act; Office of Foreign Asset Control (OFAC); Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).

9/12 to 1/15 Nationstar Mortgage Sr. Compliance Underwriter Irving, Texas

•Thorough QC audits on pre-approval to final approve loans for compliance, any deficiencies to investor guidelines and policy adherence.

•Review State and Federal regulations and effectively interpret requirements for compliance

•First line defense testing of Investor HUD analysis along with auditing to locate and correct FHLMC and FNMA cash back errors. Reviewed EPD/FPD loans.

•Collaboration with Legal Department and Line of Business Management to evaluate the risk of the State and Federal Laws and Regulations and risk prevention

•Analyze Critical deficiencies for risk impact. Perform appraisal analysis on field reviews. Reviewed resubmissions for accuracy and BSA/AML risk assessment

•Performs detailed review of HMDA reportable loans including validation of APR’s, TILA, RESPA, applicant information and presence of necessary documentation. Completes data review for HMDA LAR submission.

•Ensures accuracy, integrity and completeness of required documentation and compliance disclosure.

•Responded to quality control audits and post-closing issues in a timely manner

•Conduct proactive and effective pipeline management in accordance with performance standard expectations for Vendor and myself.

•Performed as Assistant Manager submitting and sampling 10% of loans outsourced monthly as Vendor Assistant Manager

•Supervised and evaluated seven underwriters from Vendor Management team whose primary responsibility was to underwrite loans per overlay, credit and compliance regulations.

•Escalate compliance issues timely to VP and AVP

•Knowledge of SharePoint, Excel, Outlook, LOS, LSAMS, TMO, Compliance Ease, Mavent, Cogent, Lending Space, Encompass

*Completed full audit on all loans to ensure all credit and Compliance (CFPB) was adhering to Investor's and company policies and procedures. Also, Investor reporter to FNMA.

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