Customer Service Quality Assurance

CHRISTOPHER F. DENIS

▪ 407-***-**** ▪ ************@***.***

At LPS Capital Markets my responsibilities where but not limited to, the review of FHA, VA, FNMA and FHLMC loans, forensic and re-underwriting credit risk analysis; portfolio analysis and compliance review. Re-verification of credit loan documents for authenticity and the investigation of cases involving potential mortgage misrepresentations and/or fraud.

PROFESSIONAL SKILLS

 Fannie Mae/Freddie Mac  Database Design and Management

 Loan Documents (1003, 1008, etc.)  Windows XP ▪ TCP/IP ▪ SQL Server

 Regulations Affecting Mortgage Lending  Research/Analysis/Reporting

 CoreLogic Certified Technology-based Collateral Risk Analysis Tools

 Sybel System  Sales and Client Relations

 Fluent in English and Spanish

 Par Tool

PROFESSIONAL EXPERIENCE

January 2010 – Current Forensic Underwriter LPS Capital Markets

 Performed a post-close forensic analysis of loan files for completeness and accuracy, analyzing credit documents, mortgage applications, credit history and income documents, title documents, appraisals and all other applicable required documents.

 Adhere to all client/lender policies and procedures, in addition to federal, state and/or municipal laws and regulations.

 Identify significant findings resulting from issues with originator’s underlying business practices, underwriting and/or fraud exposure.

 Actively support the decisions and knowledge of supervisors and colleagues by sharing information about the department, business unit, organization and the underwriting industry.

 Take an active role in identifying potential challenges within the underwriting process and/or department and make recommendations for changes to improve.

 Multi task between different analytical projects

 Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines.

March 2009 – Dec 2009 Forensic Underwriter Digital Risk

 Review closed loans for eligibility with respect to Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with lender partners.

 Perform risk analysis and make decision regarding deficiencies identified during the review process.

 Identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified.

 Accurately record data and review conclusions in QAS (Quality Assurance System)

 Professionally communicate the results of file reviews both verbally and in written format to internal and external customers.

 Maintain a sound knowledge of guidelines. Maintain a sound knowledge of secondary market activity, practices, and business/industry practices as they impact.

October 2008 - March 2009 Teller II Wachovia Bank N.A.

 Assists customers with banking transactions including checks, deposits, payments, and account related questions ensuring accuracy in each transaction.

 Ensures that each customer receives outstanding customer service.

 Follows all regulatory requirements and bank policies.

 Participates in sales promotions and product promotions.

April 2008 - Oct 2008 Residential and Business Tech AT&T DSL

 Help Desk supporting level 1-2 for DSL.

 DSL Working understanding of TCP/IP, routers, switches, firewalls, bridges, and modems.

 Advanced knowledge and ability to troubleshoot Windows 2000/XP/Vista operating systems.

 Extensive understanding of MS Office 2000/2003/2007 application support.

 Server connectivity issues.

 Advanced knowledge and experience with remote access applications.

 Computer hardware troubleshooting ability.

 Strong communication to converse issues clearly with the end users.

 Apple and MAC trouble shoot common problems

April 2007 – April 2008 Contract Underwriter OPUS

 Underwrite and work on various assignments for companies such as HSBC and Washington Mutual

 Review bulk purchases for portfolios to ensure compliance as stipulated by lender; review loans in post-close phase for compliance of guidelines; analyze credit history, income, title reports, appraisals

 Assist Client Service Manager Team Leaders with review of other team members’ loan files for accuracy

December 2005 – April 2007 Client Solution Analyst NETBANK

 Worked out problem loans; reviewed suspension items for accuracy to clear suspensions; monitored reports to track age of suspensions; finalized/cleared loans within specified time frames; escalated loans as necessary

 Reviewed final executed loan packages for accuracy; tracked correspondent/broker/critical reviewer performance; tracked individual performance to meet capacity standards; reported trends and loan level detail regarding recurring errors to management; recorded number of loans cleared on a daily basis; recorded individual daily volume productions; monitored workload to meet established time frames for teams and individuals; provided details to supervisor regarding data entry errors

 Performed final check for complete data entry on each loan cleared by the problem resolution team; ensured loan was funded and boarded correctly before releasing loan for sale

June 2005 - December 2005 Mortgage Loan Specialist II WELLS FARGO BANK N.A.

 Processed pre-closing tasks required to produce a loan from application, to submission, and into underwriting

 Processed loan files by verifying the accuracy of documents; prepared packets from loan officer submissions

 Authorized clarification of Verification of Employment, Mortgage, Rent, and Homeowners Insurance

 Titled and locked loans in Wells Fargo Financial Markets to take to the closing department

 Nominated for awards for exceptional services to internal and external clients

 Successfully completed On Board Training and WFHM Customer for Life Training

June 2003 – June 2005 Contract Underwriter THE BOHAN GROUP

 Worked assignments for Morgan Stanley Bank, Washington Mutual

 Job description same as current position; additionally, successfully completed Clayton Loan Analysis System (CLAS) underwriting system training; met daily production goals

Dec 1999 – June 2003 Loan Officer 1ST HERITAGE MORTGAGE (Promoted from Loan Processor position in 2000)

 Maintained and solicited clients; obtained financial history for loan approvals and assisted office management

 Maintained an active business development program by calling on potential or existing customers to develop new business and increase or retain existing business relationships

 In 2003, one of the top producers in the company by closing on 10 loans a month on average

 Represented the company in the community by participating in a variety of community activities

 As Loan Processor, assisted Senior Loan Processors; contacted customers for documents for loan approval; verified income/accuracy on borrower applications; ordered titles/appraisals; submitted files to closing

EDUCATION

New Horizons Computer Learning Center▪ Currently enrolled in Database Developer program

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