PROFESSIONAL SUMMARY:

• Nine (9) years of Business Analysis and Functional Management experience in the financial service industry.
• Four (4) years of Strategic Planning experience in the areas of: Process re - engineering/development and risk mitigation/conflict resolution.
• Six (6) years of Project Management activities, Leading and driving quality assurance scope.
• Ability to manage several project complex initiatives concurrently.
• Strong process analysis, requirement elicitation and project planning.
• Leverages project management disciplines to plan and execute various financial service and strategic planning initiatives.
• Self-motivated, results-driven professional, superior work ethic with a “can do attitude”.
• Fifteen (15) years of Mortgage experience in the areas of: Home preservation and Mortgage servicing, Loan Origination, Loan Processing, Loan Verification, Loan Closing, Appraisal, Mortgage Retention and Liquidation options for borrowers, Underwriting, Mortgage sales and Quality Assurance.
• Five (5) years of Retail Sales/ Eight (8) years of Business to Business Sales Experience.
• Demonstrated proactive, risk mitigation and innovative approaches to identifying and solving technology and process problems.
• Extensive experience and knowledge of banking operations and supporting technology
• Strong leadership skills with the ability to influence and drive change. Excellent written, verbal and interpersonal communications skills.

TECHNICAL SKILLS:

Microsoft Excel, Word, Access, Outlook, Encompass, DU, LP, DO, Pricing Engine, FHA Connection, VA website, LPS, LIFT, OneNote, SQL-Oracle, Stata.

Development: Microsoft Access, Visual Basic and Front Page Client Loan Information System (MPS), Fraud Detection and Compliance platforms, Imaging Systems (RF/FileNet/ICMP)

Mortgage Default Reporting

Virtual Meetings: Microsoft Communicator and Microsoft Lync

Technology Time Tracking, Forecasting and Financial management

PROFESSIONAL EXPERIENCE:

Confidential, Charlotte, NC

Loan Verification Analyst/ Business Analyst

Responsibilities:

• Assembles, creates, executes and reviews loan documentation and associated source data and materials for purpose of verifying and preparing information and decisions in support of a variety of legal proceedings, including foreclosures
• Interprets and researches correspondence and legal documents including summons, subpoenas, liens and foreclosures, mortgages, deeds of trust, promissory notes, assignments of mortgage, allonges and endorsements to determine specific course of action
• Performs calculations to validate principal, interest and escrow amounts on Judgment affidavit
• Maintain working knowledge of wide variety of both loan documentation and legal instruments for MD, NC, SC, TX, IL, CT and FL.
• Experience identifying opportunities to streamline business processes, communicating inefficiencies and resolutions, and implementing changes
• Ability to articulate complex, highly visible and urgent maters to varying audiences
• Lead project meetings and team efforts targeted to derive solutions to complex problems.
• Provide status and formal presentations to varying levels of management.
• Proven ability to efficiently manage and control multiple critical path activities.
• Provide leadership to less experienced staff to help with managing priorities and deadlines appropriately.
• Conduct business unit interviews, elicit requirements, and prepare use cases.
• Cultivate partnership relationships with internal/external vendors
• Creates test plans, executes user acceptance testing and documents test results.
• Lead User Acceptance testing execution, planning testing sign-off, monitoring and controlling the testing phase, managing issues/risks
• Identifies process re-engineering opportunities and develops new and/or improvement processes.
• Managed multiple medium to large tasks simultaneously

Confidential, Charlotte NC

Sr. Mortgage Loan Specialist (Underwriting)

Responsibilities:

• Responsible for the underwriting, processing and post closing of mortgage loan, and assure completeness and accuracy
• Conducted and preformed loan file due diligence audits on refinanced loans on the secondary market to eliminate defects that may have been costly to the company.
• Studied credit applications, credit bureau information, collateral valuation, tax returns, financial statements and other supporting documentation to determine repayment ability.
• Explored consumer risk and found alternative solutions that meet business and customer needs.
• Assist with less experienced loan specialists.
• Provided accurate loan information on rates and policies
• Facilitated/coordinated meetings across various geographical locations and across functional team efforts
• Conducted employment and income verification and made necessary calculations and adjustments
• Knowledge of both Government and Conventional guidelines

Confidential, Charlotte NC

Sr. Corporate Loan Advisor / Policy & Process Implementation Specialist

Responsibilities:

• Originate mortgage loans from referral sources such as Realtors, builders and car dealership.
• FHA/VA sales experienced. licensed in the state of NC, TX, MD, CT, NJ, NY, IL, WI & FL
• Knowledge of FHA, VA, USDA, FNMA, FHLMC guidelines
• Single point of contact for new Broker business whose loans were at high risk of losing clients during transition to Confidential family and systems.
• Cultivated relationship with clients and assisted translating their needs into business and operational requirements.
• Acted as liaison between internal/external partners and application development teams.
• Compiled, monitor and recorded requested documentation for new broker sign up and approval.
• Create the mapping configuration file used by Confidential to execute scheduled imports from the client data files provided using Excel and MS Visual Studio.
• Kept internal project boards and Salesforce client records updated to reflect the status and key communications with each client.
• Perform business and data analysis against the growing client database to assist upper management in identifying insightful and actionable data.
• Managed time and assist others in managing priorities and deadlines appropriately.
• Special projects and analysis as required

Confidential, Charlotte, NC

Sr. FHA/VA Processor & Underwriter

Responsibilities:

• Obtained Necessary information (I.E. Loan applications, Credit documents, appraisals, Etc.) to process and complete Mortgage loan files (55% of pipeline was FHA and VA Loans)
• Strong knowledge of VA website, FHA connections, Rate pricing, DU and LP, 203K loans.
• Review and evaluate loan files for risk issues and potential misrepresentation
• Analyzed and evaluated income, appraisal and credit reports for decision making purposes

Confidential, Charlotte, NC

Mortgage Loan Processor Lead/ Sr. Closer

Responsibilities:

• Reviewed residential loan applications, verified data in encompass, and submitted files to underwriting.
• Provided leadership, guidance, and support to a team of Mortgage Processors.
• Ensured the team pipeline, closing dates and commitment dates were met.
• Collaborated with processors, underwriters and sales management peers on business goals, department objectives, and company initiatives.
• Compiled and analyzed statistical data relative to unit productivity, provide feedback to staff, provide coaching and answer questions relative to processing activities.
• Informed staff of any change in policy and procedures, resource allocation/staffing assignments work.