Vice President Quality Control
Resume:
JENNIFER JOHNSON
*** ***** ******, ******* ** ***01 · 724-***-****
********@*****.***
EXPERIENCE
JANUARY 2022-CURRENT
VICE PRESIDENT RETAIL MORTGAGE COMPLIANCE & QUALITY CONTROL MANAGER, S&T BANK
Oversees all compliance functions of the Retail Mortgage Department. Coordinates and supports the implementation of changes due to regulatory/compliance changes, which require changes or updates to systems, processes, customer notification and/or internal education.
Supports the business line in audit responses as appropriate. Applies knowledge of regulatory guidelines and industry best practices in making recommendations to mitigate risk.
Exercises a high-level of accuracy, initiative, interpersonal skills and confidentiality while performing tasks in order to contribute to the success of the department and organization.
Conducts training and education of Retail Mortgage Department personnel, including operations and origination employees, regarding regulatory requirements and updates
Back up to Mortgage Operations Manager.
Investigates and responds to requests from the Risk Management Department regarding potential regulatory violations.
Manages a staff of HMDA Coordinator(s). Implements procedures and monitors the accuracy and timely completion and export of the HMDA Loan Application Register.
Manages a staff of Quality Control Analyst(s). Implements procedures and monitors the accuracy and timely completion of all pre-closing and post-closing reviews
Create and implement regulatory compliance monitoring, SOX control monitoring and all procedural monitoring
Maintains the compliance content of all resource documents, disclosures, and procedure manuals for the Department.
JUNE 2018 – DECEMBER 2021
ASSITANT VICE PRESIDENT RETAIL MORTGAGE COMPLIANCE MANAGER, B.U.C.A, S&T Bank
Developed and operationalized the operations first line of compliance.
Oversees all compliance functions of the Retail Mortgage Department. Coordinates and supports the implementation of changes due to regulatory/compliance changes, which require changes or updates to systems, processes, customer notification and/or internal education.
Supports the business line in audit responses as appropriate. Applies knowledge of regulatory guidelines and industry best practices in making recommendations to mitigate risk.
Exercises a high-level of accuracy, initiative, interpersonal skills and confidentiality while performing tasks in order to contribute to the success of the department and organization.
Conducts training and education of Retail Mortgage Department personnel, including operations and origination employees, regarding regulatory requirements and updates
Determines the cause of any compliance errors, tracks by employee, and communicates to the responsible supervisor.
Investigates and responds to requests from the Risk Management Department regarding potential regulatory violations.
Manages a staff of HMDA Coordinator(s). Implements procedures and monitors the accuracy and timely completion and export of the HMDA Loan Application Register.
Maintains the compliance content of all resource documents, disclosures, and procedure manuals for the Department.
Oversees the Post Closing department. Creates, implements, and monitors procedures and the accuracy of wire transmittals for closed loans.
APRIL 2016 – JUNE 2018
HMDA/CRA COMPLIANCE ANALYST, Infirst Bank
Effectively worked with Commercial, Consumer and Residential Mortgage team leads to develop and maintain HMDA procedures
Conduct HMDA training for all new employee’s as well as a semi-annual training for existing staff
Researched and implemented the HMDA and CRA software used by the bank.
September 2011-MARCH 2016
SR. MORTGAGE LOAN PROCESSING SPECIALIST
Review residential mortgage applications and accurately prepare and provide initial and re-disclosure packages within the required 3 business days from application date or changed circumstance.
Analyze loan-to-value ratio, debt-to-income, credit report, application, income, assets, source of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation
Order and follow up on all necessary documents to satisfy Desktop Underwriter Findings and Underwriting conditions, including but not limited to the following: property valuation and inspection reports, condominium and planned unit development (PUD) documents, construction contracts & plans, tax transcripts, credit inquiries, identity reports, written and verbal verifications of employment and income, verifications of rent or mortgage, accountant-prepared statements, self-employed borrower income analyses, hazard insurance(s) as well as title insurance commitments. Maintain electronic loan file of all documents.
EDUCATION
JUNE 2012
B.S. LEGAL STUDIES, Kaplan University
SKILLS
ABA Certification Retail Mortgage Lending
Project Management
ACTIVITIES
A member of the CRA & Fair Lending Compliance Committee
A member of the Women in Banking Employee Resource Group
A member of the Financial Education & Financial Wellness Committee
A member of the Financial Wellness Focus Group
A member of MBA Risk Management Committee
A member of MBA Regulatory Compliance Subcommittee
Standing Guest for Compliance Committee Charter
Mentor with the Brice Mentorship Program
Active member of Community Giveback
Participation with Junior Achievement in educating school children about work readiness and financial literacy.
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