QC and front-line Underwiter

MARK ELLIOTT LOVE

**** ***** *****

Rancho Cucamonga, California 91701

Home 909-***-**** 803-***-**** cell

z9rprb@r.postjobfree.com

PROFESSIONAL EXPERIENCE

Contract assignment Robert Half, Irvine California

Quality Assurance/Pre and Post-Auditor/Underwriter for IMarc 6/12-6/12

• Reviewed collateral, income, and assets as required by lender loan approval

• Tested, evaluated, and critiqued companies new compliance and risk system

• Evaluated new customer loan portfolio to ensure current FNMA and FHLMC guidelines were followed during the underwriting process and generated variance reports for all non-compliant loans

• Reviewed loan documentation for asset, collateral, and income misrepresentation

• Evaluated loan risk findings with management to determine weight and severity of each finding based on loan parameters

Contractor for Clayton Services, Tampa, Florida

Quality Assurance/Pre and Post-Auditor/Underwriter for AMGEN/SPRING LEAF 2/11-7/11

• Reviewed web based closed loan files for lender specific discrepancies

• Reviewed collateral, income, and assets as required by lender loan approval

• Evaluated bulk portfolio loans to ensure current FNMA and FHLMC guidelines were followed during the underwriting process and generated variance reports for all non-compliant loans

Provest LLC, Tampa, Florida

Corporate Skip Trace Investigator 10/08-2/11

• Verify and located named defendants in foreclosure proceedings for natural and corporate defendants

• Communicate the current location and assets of named defendants with service management teams

• Service rating of named defendants within a 96% accuracy

GMAC / Homecomings Financial, Charlotte, North Carolina

Pre-funding Coordinator/ QC Underwriter 8/03-10/07

• Evaluated physical and web-based residential loan files for credit, collateral, and compliance risk factors to minimize risk of default or foreclosure

• Formulated loan data and tracked progress of new and established brokers for the loss mitigation group

• Negotiated recoupment funds for loans in default, or foreclosure

• Partnered with the loss mitigation group and upper management to formulate strategies to gain market share

• Developed policies and guidelines on loss mitigation, reduced profit loss and broker revocation

• Performed company-wide compliance audits to insure loan processes were in accordance with State and Federal guidelines

• Trained branch and company-wide sales teams on compliance, broker training, and key red flags and factors for loan misrepresentation each quarter

• Reviewed and audited live and closed loan files for collateral, income, and ownership misrepresentation in regards to underwriter loan approvals

• Evaluated physical and web-based residential loan files for credit, collateral, in compliance with FNMA and FHLMC guidelines

Contractor 7/01 – 8/03

Quality Assurance/Pre and Post-Auditor/Underwriter at Wells Fargo, Minneapolis, Minnesota 8/02-8/03

• Managed a team of 16 contractors to audit and test pre and post-closed loans for ten branches

• Headed special projects involving Texas cash-out loans

• Evaluated TILs, HUDs, and Right of Rescissions for compliance

Closer/Processor/Underwriter at Washington Mutual, Lombard, Illinois and San Jose, California 11/01-5/02

• Responsible for scheduling closings and ordering funds for attorneys and customers

• Underwrote referred and approved loans for manual decisions

Due Diligence Auditor at Wachovia, Winston Salem, North Carolina 7/01-11/01

• Audited current and past residential loan applications as well as updated applications to meet HMDA standards

• Reviewed bulk purchases for compliance on stipulations based on Federal and State guidelines for the merger of First Union and Wachovia Bank

American Mortgage Union, Columbia, South Carolina 6/98 – 07/01

Loan Officer

EDUCATION

University of South Carolina – Columbia, South Carolina

College of Applied Professional Science, 1999

United States Naval Academy – Annapolis, Maryland

Midshipmen/Student, 1992-1995

SKILLS

Lexis/Nexis, AVM, HistoryPro, HistoryPro Review, BPO, Rapid Reporting, Access, Mflex, MERS, BRAT, LP/DU, Optis, Google, Accurint, MS Office, Excel, Word, MLS, LPS Origin and Beagle

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