Quality Assurance/Underwriter/Subject Matter Expert

Christina Comyns

***** *** *** ***** ********, CA 92592 Phone: 760-***-**** Email: *******@*****.***

OBJECTIVE

To secure a challenging career in a reputed organization which appreciates motivation and hard work, where I can utilize my

knowledge, various skills & experience towards supporting operations of a progressive organization offering long -term career

opportunities

SUMMARY OF QUALIFICATIONS

8 years experience in the real estate industry, over 6 of those in the mortgage loan sector

Proficiency in automated underwriting tools, file/database management programs, Microsoft Office Programs such as

Excel, Word, and PowerPoint, Calyx Point, MSP, LIS, DWS and other various computer software and web-based programs;

Typing: 70 WPM

Extensive knowledge of purchase and refinance mortgage loan and loan modification guidelines set by the government and

multiple lenders and investors

Familiarity with purchase agreements, loan applications, lease agreements, modification agreements, amendments, loan

documents, loan approvals, and all related real estate contracts and/or documents

Accomplished in effective time management and task prioritization, maintaining flex ibility and adaptability in the

workplace, management and training of employees, utilizing quality leadership, research, and follow-through skills to

motivate and teach others, and using analytical and risk management expertise to support the financial state of the

company by contributing to the minimization of losses and maximization of profits

CAREER HISTORY

May, 2011-Present: JP Morgan Chase, San Diego, CA

Subject Matter Expert/Senior Quality Assurance Specialist III-Loss Mitigation

Performing quality reviews on loan modifications being submitted for final approval and auditing external quality assurance

specialists to ensure procedure compliance and proper execution of audit results

Assuring income calculation is completed by underwriter and/or auditor according to policy and that their rationale is

adequately documented by doing a blind income calculation and write-up using the given resources provided there is

sufficient documentation in the file

Assessing repayment capacity of borrower, ensuring program/investor compliance, and identifying red flags and fraud in

file documentation to minimize risk of further default and/or additional losses to investor and servicer

Contributing to the completion of trending reports and internal audits to analyze and promote cohesiveness and uniformity

in all QA review sites by identifying weaknesses and strengths and confirming the accuracy of citations to help determine

the areas in which improvement and/or policy clarification is needed

Providing in-depth written reviews to document findings on each file either for d isputing a fail by an auditor on behalf of

the underwriter or for confirming the accuracy of the fail

Re-checking files that failed audit for requested additional documentation and/or to verify correction of errors to move file

forward to docs

Creating, distributing, and assigning out multiple daily work lists to department employees and reporting production

numbers and trends to upper management at day’s end using pivot tables and charts

Completing and assigning out exception reports to determine coding errors of other QA departments and procedural

defects and effectively applying appropriate remediation techniques in order to comply with the requirements of internal

and external auditors

Providing technical training to other department staff and input on technical writing projects such as desk aids, training

materials, and QA checklists and completing special projects and escalated reviews as assigned by senior management

Oct, 2010-April, 2011: Wells Fargo, San Diego, CA

Quality Assurance/Site Quality Champion-Retail Underwriting Administration

Performing re-underwrites of FHA, conforming refinance and purchase mortgage loans to ensure adherence to guidelines,

clarity and appropriateness of conditioning, program compliance, documentation completeness, accuracy of income and

asset calculations, and identification of potential misrepresentation or red flags prior to underwriter’s issuance of loan

commitment

Providing coaching and guidance to underwriters with varying levels of authority on diverse issues regarding loan quality,

conditioning, calculation of income and assets, documentation requirements, etc. and suggesting alternative methods of

underwriting to enhance general loan quality and minimize risk

Composing clear and comprehensive individual analyses of all types of mortgage loans distributed to the underwriter and

senior management to contribute to the identification of deficiency patterns within the site

Diligently following up on material and moderate findings to ensure correction of issues and reviewing of necessary

documentation prior to closing to prevent post closing deficiencies and guarantee salability of the loan

Successfully contributed to the Post Closing Quality Assurance department’s 0% material finding rate for the San Diego

retail underwriting division since its inception by detecting and resolving material and moderate issues prior to loan funding

Balancing customer service with quality assurance by providing feedback to decisioners regarding clarity of and excessive

conditioning while still maintaining a high quality standard to enhance customer retention rates and maintain

competitiveness in the market

Feb, 2006-Sept, 2010: K2 Capital Management, La Jolla, CA

Processing Manager, Underwriter

Managed the company’s transition from a mortgage loan broker to a loan modification company, trained all new

employees on the results of self-conducted research and experience regarding qualifications and guidelines of loan

modification programs available to borrowers with diverse financial statuses and an array of loan servicers and investors

Underwriting, structuring and submitting new mortgage loans and loan modification packages to multiple lenders and for

various workout or loan programs depending on each individual borrower’s loan type, hardship, purpose, and financial

situation as a whole

Negotiating modifications, repayment plans, deeds in lieu of foreclosure, short sales, and forbearances on behalf of the

client with bank representatives in the corresponding departments

Communicating with clients regularly throughout the process to request documentation and gather or relay information to

submit or complete the conditions to finalize the loan or loan modification

Creating file management systems and work flow processes within the company to increase productivity and efficiency

Working within tight deadlines to close new loans or to ensure that borrow ers either receive a workout agreement prior to

a scheduled foreclosure sale or requesting postponement of the sale date in order to give the necessary time to review

them for a workout

Analyzing credit reports, title reports, appraisals, and all types of income documentation including profit and loss

statements, tax returns, and lease agreements to gather qualifying information and ratios for borrower

Completing all prior to doc and prior to funding conditions and stipulations for new loans, including but not limited to,

obtaining credit and title supplements, verification of mortgages, verification of deposits, estimated huds, vesting/escrow

amendments, ordering appraisals and rebuttals and completing appraisal conditions, calculating income, ordering loan

documents, sending out disclosures, scheduling and confirming documents signing and loan funding, and closing out file in

compliance

EDUCATION, LICENSES, AND MEMBERSHIPS

Bachelor of Arts Degree with Honors, UC Santa Barbara

CA Real Estate Salesperson License

HOA Board Member, La Costa South Homeowners Association

REFERENCES

Prudence Bolden James Carmody Jim Anderson

Ph: 770-***-**** Ph: 858-***-**** Ph: 619-***-****

Additional references available upon request.

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