SUMMARY:

• Seasoned Compliance Specialist and Operational Risk Management Professional with 14+ years of proven experience in Mortgage Sales, Underwriting and Operational Risk Management, Sales and Commercial Credit Underwriting Ability to work effectively, independently in teamwork environment, supports the nation’s leading originator and servicer of Commercial, Residential and Consumer loans and Mortgages.
• Strong experience in fast paced leading, demanding and deadline driven production environment.
• Worked for fortune 500 companies includes Confidential as a contractor for Quality Control Audit, Testing, Risk Management at Business Banking, Consumer, Retail, Wholesale, Correspondent, Commercial Banking at Mortgage Lending.

TECHNICAL SKILLS:

COMPUTER SKILLS: Advanced in 'Excel and Microsoft Office', Word Perfect, PowerPoint.*Excellent Verbal, written and interpersonal Communication skills, underwriting, Sales and Servicing and strong analytical skills with high attention of detail and accuracy in mortgage loan products to closing and operational to servicing concepts.

WORK EXPERIENCE:

Confidential

Perform Quality Controls Audit

Responsibilities:

• Required Regulatory and Compliance Control Testing review for Mortgage loans and managed multiple projects simultaneously, to confirm HMDA - LAR Report / CRA audit reviews, worked with Off-Shore operations team to complete project in timely manners for quality production improvement at minimum requirement of 95% or more.Assist all levels of office staff at lending division for all aspects of documentation requirements per agreement, negotiation for standard work loan process, validated documentation for initial loan structuring and processing, a pre fund review for loan underwriting and Post fund review after closing loans. Managing Capital Market, Private Banking and Wealth Management loan transactions for high net worth clientele.

Confidential

Pre Fund / Post Fund Compliance and Quality

Responsibilities:

• Pro-actively identified, assessed and mitigated operational compliance risk with corrective of actions knowledge includes root cause analysis and development of sustainable solutions.
• Developed, implemented and monitored operational and compliance risk-based programs with in the Closed consumer lending mortgage NE Division group.
• Reviewed National, Regional and Global support team workflow to stream line processes through the creation of standard work for closed files.
• Created facilitation of procedure and support for loan closing division and follow six sigma methodology.
• Developed plan to address audit deficiencies and report findings to team members / Managers and liaison with Division Management Team and improved quality to 97.33%, with exposure to Confidential CICAT system and Confidential Shared Risk Platform (SHRP).
• Joint venture support and leadership role in assisting with facilitating to meet key value expectation for business line for 95% or higher for quality control process and established a culture of quality productions.
• Make data driven recommendations that provide solutions for related issues and minimized defects and build awareness across NE region team to quality at 97.33%
• Keeping Customer in Center with High service levels, efficiency, group discussion for quality and cost effectiveness from origination to processing and finally closing loans.

Confidential

Senior Quality Control and Audit, Quality Assurance

Responsibilities:

• Analyzed complex financial statements, Personal, business and corporate tax returns
• Evaluated loss mitigation files within required time frame, Strong analytical skills and detail oriented problem solving capabilities. Managed and monitored customer’s requests and ensured timely resolution.

Confidential

Leadership Management

Responsibilities:

• Assistant Vice-President, Business Development Officer, Sales and Operation Management.Established key relationship with clients in the sale of complete line of retail banking products, Organize and coordinate each transaction in advancement of processing and underwriting. Maximized volume, productivity and processing, maintained awareness of changing regulatory guidelines. Recognized for exceptional performance and employee of the month.

Confidential

Quality Control Audit

Responsibilities:

• Sales and Underwriting, approval of Residential and commercial credit loans with lending limit of $5MM, Conventional, Jumbo, Conforming and Nonconforming, Portfolio and Secondary market loans,

Confidential

Financial Advisor

Responsibilities:

• Building profitable client relationships by offering a full range of financial solutions and lending product to Customers, using Libor indexes for variable loan product for retail and whole sale lending. Loan submitted through AUS, approved loan exceptions with compensating factors and used automated and manual underwriting method with lending limit of $2.5MM. Successfully developed more than seven hundred new clients, generating new mortgage loans, underwriting and management, exceeded budget by 133.75%. Maintained high level of service by extensive communication with professionals and operation division staff.