Project Manager Customer Service
Resume:
Patricia Thornton
Aurora, CO 80017
303-***-**** (C)
*****.**********@*****.***,
Key Words: Mortgage, REO, Public Health, Operations, Project Manager, Team Lead, Supervisor, Auditor, Business Writer
Objective:
To obtain a position in which my strong work ethic and leadership skills will be further cultivated. I would like to join a team in which growth is encouraged and loyalty is appreciated. In return I offer a strong knowledge base, a desire to continue to learn, and determination to produce the best results possible
Professional Experience:
7/11 – Present Promontory Consulting Group, Washington, DC
Title: MQA/Fraud and Low Volume State SME
• Review policies and procedures
• Compliance evaluation
• Review all files with suspected material misrepresentation
• Determine if misrepresentation exist and appropriate escalation
• Conduct in depth reviews of referred files and make recommendations
• State specific business rule scripting – Project Manager
• Final approval of Protocols prior to release to analyst
• Prepare user manuals to accompany Protocols
• Weekly calls with servicer to gain approval of material included in Protocols
• Various other duties as required
12/10 – 7/11 Adams Consulting Group, New York City, NY
Title: Fraud Investigator
• Perform audits as specified by original lenders
• Re underwrite loans to determine material misrepresentation in the original loan package
• Evaluation of trends within the loan pool.
• Compliance evaluation of each loan file
• Investigated a sample pool of loans closed in to 2006
• Assisted in underwriting system development
• Assisted in the preparation of the final report to the client
06/09-9/09 DataVerify, Wheat Ridge, CO
Title: Fraud Investigator
• Perform audits as specified by original lenders
• Re underwrite loans to determine material misrepresentation in the original loan package in order to facilitate repurchase
• Evaluate trends in order to assist clients in development of their Fraud Prevention Programs
• Currently investigating pools of non performing loans closed prior to 2008
• Production Requirement six loans per day
11/05-8/08 American Home Mortgage Corp, Melville, NY
Title: Fraud Investigator, AVP
• Investigate files returned for repurchase
• Review and distribute files referred by internal and external sources that were flagged for material misrepresentation
• Development and implementation of the corporate fraud key
• Develop and distribution of the Fraud Manual, and Fraud Training Program
• Development and maintenance of commonalities database
• Multi-loan case investigations and reporting
• Conducted all internal investigations
• SAR completion and submission
• MARI reporting
• Liaison to law enforcement
• Identified over $2 Billion in loans containing material misrepresentation
• Prevented the closing of over $10 million in active loans containing material misrepresentations
• Attend National Fraud Prevention Conference and share information with team and upper management
• Travel as needed
06/04-11/05 Clayton Contract Services, Stamford, CT
Title: Due Diligence Underwriter/Fraud Investigator
• Review closed loans for compliance, and market preparedness
• Review for accuracy
• Verification of information in flagged files and appropriate reporting of findings
• Make appropriate recommendations for further action to be taken on files containing material misrepresentation
• SAR completion and submission to client for review
• Extensive Travel
3/04-9/05 Aames Home Loans, San Francisco, CA
Title: Contract Underwriter
• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer request and products within company and industry guidelines
• Reviewing financial statements, credit reports, and applicable ratios (DTI/LTV), evaluating, and examining transactions to ensure accuracy and prepare formal reports for review
• Ensuring documentation was consistent and met company and industry guidelines
• Implement fraud detection techniques, performing compliance reviews, assist with re-negotiations of loans based on lending guidelines, contact customers and partners to gather information to make appropriate decisions, explain rational behind credit decisions
8/03-6/04 Approval First Home Loans, Centennial, CO
Title: Office Manager
• Maintain office suite
• Bid and contract service vendors
• All H/R functions to include, recruiting, interviewing, hiring, orientation, training, payroll and commission submission to EDP
• Account payable and receivable (Quick Books), bank deposits and reconciliations
• Administrative functions to include, approval letter preparation, new client file set-up, package shipping and receiving, mail distribution
• Other duties as required
3/02-6/04 Coldwell Banker Real Estate, Denver, CO
Title: Broker Associate (Part Time)
• List properties for sale, staging, showing of properties
• Educate sellers on the selling process and best practices
• Conduct open houses on my listing and the listing of other agents within my office
• Completion of all forms as required by the state, in a timely manner
• Assist buyers in locating a property
• Educate buyers on the process of purchasing a home, as well as on the various funding options available to them
11/97-11/00 Pulte Mortgage Corp, Englewood, CO
Title: Senior Loan Processor
• Ensure completeness and process mortgage loans in accordance with established timeframes consistent with PMC policies/procedures as well as federal regulations and guidelines
• Perform a document integrity check and submit all applicable loans through Desktop Underwriter
• Provide superior customer service by developing good relationships wit assigned Loan Officers, Closers, Underwriters, Borrowers, and outside vendors
• Meet or exceed established productivity, turn time and closing goals by prioritizing files to meet commitments, closing and rate expiration dates, while maintaining credit quality
• Ensure that written and oral communications are well documented and that any exceptions/non-compliance requirements are well explained justified
12/99-05/03 RPI Business Systems, New York City, NY
Title: Contract Underwriter/Senior Processor
• Travel to assigned locations to underwrite mortgage loans (Sub-Prime and Alt A)
• Travel to assigned locations to fill processor positions as needed
• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer request and products within company and industry guidelines
• Reviewing financial statements, credit reports, and applicable ratios (DTI/LTV), evaluating, and examining transactions to ensure accuracy and prepare formal reports for review
• Ensuring documentation was consistent and met company and industry guidelines
Implement fraud detection techniques, performing compliance reviews, assist with
Re-negotiation of loans based on lending guidelines
Education:
Kaplan University
Davenport, IA
Major: Bachelor Science/ Health Science
Graduated: July 2011
GPA 3.77
Utica College
Utica, NY
Major: Masters in Economic Crime Management
Current Student
Contact this candidate