SUMMARY

• Partner with management, project leads, SMEs and IT developers to clarify requirements, analyze data, documents, processes and procedures that result in solutions to meets the needs of the end users or compliance requirements.
• Developed reports and analyzed financial data to support risk decisions, policy, and process as well as procedure development. A solid understanding of many federal compliance mandates and their reporting requirements from exposure on past projects.
• Employ financial industry experience, business acumen, and soft skills to resolve issues and develop strong relationships with personnel at all levels.

Core Competencies

• Compliance Administration
• Experience Bank Operations
• Internal/External Auditing
• Testing Experience
• Requirements Documentation
• Knowledge of CCAR, Basel, MRA
• Process Modeling
• MS Word, Excel, SharePoint
• Access, T - SQL, PowerPoint
• Credit Risk Analysis
• Meeting Facilitation
• Strong Communication Skills
• AML BSA, OFAC, KYC
• Mortgage Compliance
• Strong Analytical Skills

PROFESSIONAL EXPERIENCE

Confidential, Charlotte, NC

Project Associate Forensic Auditor

Responsibilities:

• Review closed mortgage loans for compliance with written policy and procedures to ensure that underwriting met with good judgment, lending guidelines and policy for approving loans, or in the absence of written guidelines and procedures, lending decisions were well documented and supported
• Examine the lending guidelines, product matrix, and statistical data from claims to develop an opposing viewpoint to support the lending decisions
• Develop rebuttals to litigious claims of fraud, misrepresentation and non-compliance with sound lending practices, documentation and notes from the loan file, lending policy, and underwriting procedures for approving loans.

Confidential

Remote Compliance Auditor -Contractor

Responsibilities:

• Perform KYC compliance testing on closed loans as required by the client. Experience with Actimize
• Analyze residential mortgages for the following: Fraud, Misrepresentation, Non-compliant lending policy and procedures with lender, mortgage insurer or investor investors and income, review file notes, loan programs guidelines, execution of all legal documents
• Provide a written summary of loan quality, compliance, risk, and legal issues that would affect the loans’ quality

Confidential

Business Analyst/Model Risk Management

Responsibilities:

• Provided both business and technology support for a foreclosure review process analysis of large financial institution to ensure the foreclosure procedures complied with federal and state foreclosure bankruptcy laws. Developed loan review procedures for bankruptcy and foreclosure analysis project
• Translate business needs into technical requirements to ensure accurate loan review quality
• Gather, define and map business requirements and sources for data, and processes as they relate to establishing a review foreclosure on borrowers mortgage
• Act as a liaison between Project Managers, audit team, and technology platform support team/SMEs to ensure all areas were aligned for quality completion of audits
• Using advance excel to support project managers in reporting and report development of non-compliant foreclosure practices that occurred during loan defaults, borrower bankruptcy, military deployment or modification using detailed and dashboard level reporting
• Identify, report and escalate software issues and concerns to ensure that the loan review analysis deliverable was completed within reasonable time frame
• Researched, developed, and documented recommendations to ensure adherence to state and federal foreclosure and bankruptcy laws to borrowers harmed by non-compliant foreclosures practices
• Proficient in procedure process and requirements development. Ability to communicate with technology team and other business units; analysis and modeling, and adept at learning new environments

Confidential, Dallas, TX

Business Analyst -Contractor

Responsibilities:

• Analyze commercial and mortgage loan data and documents from origination to post closing and from failed banks seized by the Federal Deposit Insurance Corporation (FDIC)
• Review the past and present loan performance, and develop credit risk synopsis of future performance on commercial and mortgage loan portfolios from failed banks controlled by the FDIC
• Knowledge and understanding of the commercial lending process, loan pro forma analysis, the develop a summary of current status and clarification of commercial loans
• Used advance Microsoft excel and access skills for extrapolating data for reporting to the FDIC

Confidential

Senior Underwriter

Responsibilities:

• Analyzed the finances, credit, collateral and property valuations for applicants of mortgages and lines of credit
• Review balance sheets, operating income statements and tax returns, and loan documentation to confirm borrowers’ assets and liabilities for the self- employed, corporations, and partnerships and borrowers with traditional non-traditional income stream
• Verify and source all reserves, assets, collateral and income from borrower
• Analyze loans for fraud, HMDA, Fair Credit Reporting, US Patriot Act, enhanced due diligence where needed, develop a suspicious activity report when needed
• Supervise and review work of assigned processors and subordinates

Confidential

Senior Mortgage Underwriter

Responsibilities:

• Analyzed the finances, credit, and collateral and property valuations for applicants of mortgages and line of credit
• Review balance sheets, operating income statements and tax returns, and loan documentation to confirm borrowers’ assets and liabilities for self -employed, corporations, and partnerships and other traditional and non-traditional income stream borrowers
• Verify and source of large deposits of cash reserves, securities, bank accounts, debt and income structures
• Analyze financial data and collateral to evaluate risk, solve problems and determine credit approval for mortgages, home equity loans, refinances and investment properties
• Analyze all aspects of credit process for fraud, HMDA, AML, OFAC, Regulation Z, X and B, also KYC enhanced due diligence prior to loan approval
• Experience in fraud and AML reviews and investigations software, and other web based tools and application
• Supervise and review work of assigned processors and subordinates

Confidential

Business Analyst: Underwriting Process -Contractor

Responsibilities:

• Worked on the development of a process to out- source loan underwriting and processing from Confidential Mortgage to Confidential Consulting
• Map processes and create functional requirements, identify data sources and interview SMEs, and facilitate meetings, and manage testing for the purpose of developing out source for loan underwriting and processing for Confidential Mortgage
• Experience in Project Management Methodology and Change Management process, including high quality phase tollgates, deliverable creation and overall project management

Confidential

Business Analyst/ Underwriting, Loan Products Tester -Contractor

Responsibilities:

• As a Business Technology liaison demonstrated ability to communicate with technology and various business units to perform System Testing to evaluate and/or validate software functionality in relation to expected or functionality as well as track project milestones and complying with internal manual application testing of mortgage loan products, and loan underwriting platform
• Ability to analyze and simplify complex issues, excellent understanding of financial technology and banking operations, effective written and verbal communication skills
• Initiates and maintains relationships with project stakeholders including team members, peers, managers, vendors, and other affected departments to coordinate efforts across multiple business units and ensure continuous efficient management of projects; gathers input and feedback.
• Analyzed and reported project status and research information; monitors project performance to maintain the quality deliverables, and content

Confidential

Quality Assurance /Enhanced Due Diligence Underwriter -Contractor

Responsibilities:

• Experience auditing loans from origination to post closing for FNMA, FHLMC, FHA, VA GNMA and USDA compliance and guidelines
• Experience with fraud audits and investigation software; LexisNexis, App-Intelligence and web based examination tools