Documentation / Virtual Executive Assistant

Dacia Elrod, Risk Management & Compliance Analyst I

Gilbert, South Carolina 29054, United States, 803-***-****, ************@*****.*** PROFILE Analyst with extensive expertise in risk management and compliance across financial sectors. Executed comprehensive loan audits, driving adherence to FHA and USDA regulations, significantly reducing discrepancies. Enhanced operational efficiency through streamlined document imaging and continuous quality control training. Specialized in fostering a culture of compliance, ensuring accuracy in loan processing and documentation.

EMPLOYMENT HISTORY

Feb 2021 Risk Management & Compliance Analyst I, SC Housing Finance

& Development Authority

Executed monthly loan sample audits, ensuring FHA and USDA compliance. Maintained Default Loan Servicing QC reviews, reducing errors and detecting potential fraud. Streamlined document imaging, enhancing audit traceability and turnaround. Coordinated biennial SAM.gov audits to strengthen compliance awareness.

• Achieved significant improvements in adherence to FHA and USDA regulations through comprehensive audits.

• Fostered a culture of compliance via ongoing training, boosting team performance.

• Analyzed loan servicing processes, implementing measures that reduced discrepancies.

• Reviewed loans and documentation for program compliance, enhancing overall quality control. Feb 2010 — Feb 2021 Fiscal Analyst-Mortgage Underwriter/ Closing/Pre-Funding/Post Closing/Purchaser, SC Housing Finance & Development Authority

Conducted monthly loan sample audits, ensuring FHA and USDA compliance with significant improvements in adherence metrics. Maintained Default Loan Servicing QC reviews, minimising errors and detecting fraud. Streamlined document imaging processes, enhancing audit traceability and review efficiency. Delivered continuous training on Quality Control requirements, fostering compliance culture and boosting team performance.

• Executed comprehensive loan audits, resulting in marked compliance improvements.

• Orchestrated cross-departmental audits, driving accountability and awareness.

• Analyzed loan servicing processes, implementing corrective measures to reduce discrepancies.

• Reviewed appraisal and program compliance documentation, ensuring accuracy. Sept 2008 — Feb 2010 Office Manager/ Closing Supervisor, McLeod & Dowling,

(Attorney Wendy M. Bowen)

Oversaw office operations and managed closing processes for real estate transactions. Reviewed GFE/TILA disclosures and ensured compliance with closing instructions from multiple lenders. Scheduled loan closings, balanced files for disbursement, and prepared legal documents for statewide recording. Acted as liaison between law firm and lenders, managed payroll for five employees, and reconciled financial accounts.

• Streamlined document preparation, ensuring compliance with SC State recording laws.

• Compiled and analysed data for loan closings, including payoffs and insurance.

• Enhanced efficiency in billing and invoicing processes using BST software.

• Drafted and finalised environmental and geotechnical proposals and assessment reports. Jan 2008 — Sept 2008 Administrative Assistant, S&ME Facilitated communication with Lending Partners regarding program inquiries. Reviewed GFE/TILA disclosures and settlement statements, ensuring accuracy. Reconciled funds with closing disclosures and compiled data for real estate loan closings. Analyzed closing instructions for lender compliance, prepared settlement statements, and scheduled loan closings. Balanced files for disbursement and managed payroll for five employees.

• Coordinated preparation of legal documents, ensuring compliance with SC State recording laws.

• Drafted legal pleadings and edited environmental assessment reports.

• Managed billing and invoicing for the department, enhancing financial accuracy.

• Conducted risk management assessments and maintained project documentation. May 2007 — Dec 2007 Independent Life Accident & Health Insurance Agent, Statewide Spearheaded sales of life, accident, and health insurance across the state. Cold called potential clients to generate leads. Managed and nurtured existing client accounts. Conducted collection calls and drop-ins for overdue accounts.

• Achieved sales targets through proactive outreach.

• Strengthened client relationships, ensuring high retention rates.

• Enhanced account management processes for improved efficiency. Oct 2004 — Apr 2007 Loan Closer/Funder (Promoted to B2B sales within company) Account Executive, IndyMac Bank

Facilitated training for brokers on products, programs, and systems. Engaged with sellers to establish new accounts and maintain existing relationships. Processed loan scenarios for broker submissions and priced loans effectively. Served as liaison between brokers, CAM, and underwriting teams, resolving issues promptly. Reviewed loan documents and credit reports, servicing over 40 broker offices across the East Coast.

• Developed training materials for broker education.

• Increased account sign-ups by 20% through targeted outreach.

• Streamlined loan package preparation for attorney submissions.

• Ensured accurate fund disbursement and reconciliation. May 2002 — Oct 2004 Loan Closer/Funder, Washington Mutual Facilitated loan closing processes and ensured fund disbursement accuracy. Collaborated with cross-functional teams to streamline operations. Managed documentation and compliance for loan files, maintaining adherence to industry standards.

• Coordinated closing schedules, enhancing turnaround time by 15%.

• Verified accuracy of closing documents, reducing errors by 20%.

• Trained new staff on loan processing procedures, improving team efficiency. Jan 2002 — Oct 2002 Legal Assistant, Walker, Morgan & Kinard, LLC Assist in document retrieval and analysis for real estate closings. Ensure compliance with regulatory requirements for loan disbursement. Facilitate communication among attorneys, processors, and loan officers. Perform welcome calls and order flood certifications. Compile data for closings, including payoffs and insurance.

• Streamlined communication between law firm and multiple lenders.

• Prepared and verified legal documents for compliance with SC recording laws.

• Scheduled statewide loan closings, ensuring timely execution.

• Balanced files for disbursement and managed file shipping to lenders. Oct 2001 — May 2002 Loan Closer, Wachovia Mortgage Corporation Facilitate loan closings for residential mortgages. Collaborate with lenders, agents, and clients to ensure accurate documentation and compliance. Manage timelines to meet closing deadlines and enhance client satisfaction.

• Coordinated closing schedules with stakeholders.

• Reviewed loan documents for accuracy and completeness.

• Communicated effectively to resolve issues promptly. Feb 1999 — Jan 2002 Legal Assistant, Wilson, Moore, Taylor & Thomas, P.A. Manage data compilation and analysis for real estate loan closings, including payoffs and surveys. Review closing instructions for multiple lenders and prepare settlement statements. Serve as liaison between law firm and lenders, coordinating closing schedules. Balance files for disbursement and facilitate check forwarding. Ensure compliance with SC State recording laws when preparing legal documents.

• Compiled and analysed data for over 100 real estate loan closings annually.

• Prepared and distributed title insurance commitments and policies, enhancing client satisfaction.

• Streamlined file management processes, reducing turnaround time by 20%.

• Drafted legal pleadings with precision, supporting litigation efforts. Mar 1997 — Feb 1999 Legal Assistant/Escrow/Trust Account Reconciler, The Arsi Law Firm

Compile and analyse data for real estate loan closings, including payoffs and insurance. Review closing instructions for multiple lenders and prepare settlement statements. Serve as liaison between the law firm and lenders, scheduling closings and balancing files for disbursement. Prepare legal documents for statewide recording, ensuring compliance with SC laws.

• Liaised with one of South Carolina's largest B/C lenders, supporting 100+ loan originators.

• Reconciled multiple years of bank statements and general ledger entries, correcting discrepancies.

• Distributed title insurance commitments and policies to clients efficiently.

• Scheduled and coordinated real estate loan closings, ensuring timely compliance. EDUCATION

Diploma

Licensed in Cosmetology

Apr 2013 RGU DE Certification, Allregs Academy Columbia Jun 2014 Public Professional Development Certificate, State of SC Budget

& Control Board Columbia

Mar 2017 Notary Public, South Carolina Columbia

SKILLS Risk Management Expert

Compliance Expert

Loan Auditing Expert

Quality Control Expert

Regulatory Compliance Expert

Document Imaging Expert

Mortgage Underwriting Expert

Analytical Skills Expert

Training and Development Expert

Team Collaboration Expert

Data Entry Expert

Microsoft Excel Skillful

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