Quality Control Analyst Resume

OBJECTIVE

Obtain a challenging position, preferably long-term, for a family-oriented company that provides an opportunity to utilize my existing skills and expand my knowledge to help continue the growth and stability of the company.

SKILLS/ KNOWLEDGE & QUALIFICATIONS

Basic knowledge of FNMA/FHLMC, Alternative, B&C Investor guidelines, federal compliance regulations (incl. RESPA, TIL, GFE)
Demonstrate strong analytical, organizational and system skills with attention to detail
Strong PC skills with proficiency in Windows, MS Word, Excel, Outlook and Lotus Notes
Demonstrate excellent communication skills with the ability to work with both internal/external customers/clients at all management levels
Ability to work independently, complete detailed projects and reviews and meet stringent deadlines
Certified Sr. Mortgage Underwriter with EMC

EXPERIENCE

August 2010 March 2012 Confidential,
Upper Level Compliance Specialist / Quality Control Analyst

Review files from loan processors ensuring compliance through the life of the loan; including calculating Loan to Value (LTV) [TX / LA]
Maintain a detailed daily spreadsheet of all reviewed loans through the “Loan Center Appro system”
Review borrowers Applications for complete accuracy and comparing mailing address to Collateral address
Extensive review of Appraisals, Titles, Credit Reports and Flood Certifications
Review VOM’s, Mortgages, faxback reports
Check for AVM, 2055- URAR-LAPP
Perform mortgage credit analysis to determine borrower’s willingness and ability to repay the mortgage debt. (Review the credit package to determine mortgage amount and term, calculating required investment, determining assets available for closing, analyzing credit history, calculating proposed monthly housing expense and recurring debt
Verify TX Homestead Verifications; HOI Policy, HOA documentation and coverage amounts
Review flood calculator, flood validation, flood zones
Verify Knowledge of complete Compliance Management Program Framework, specifically as it relates to: Governance, Training, Risk Assessment, Corrective Action, Decision Making, Monitoring and Reporting.
Review escrow and non-escrow, NOE, Confirmation, AKA
Provide complete training for all new employees

April 2006 April 2009 Confidential,
Underwriting Suspense Coordinator

Communicate issues, trends and successes with management
Monitor reports for data accuracy for the coordinator area and assist in system updates to find errors
Become Subject Matter Expert for underwriting coordinator
Complete data entry of loan information into EMC loan origination system
Coordinate pricing changes due to data updates with the commitment desk
Perform preliminary review of new loans submitted to EMC for purchase for program validation, conformity to EMC guidelines and date accuracy
Assist with compliance review through vendor tool
Complete preliminary fraud check through vendor tool and internet search
Provide training support for newly hired staff and continues training for existing staff members
Assist with maintaining service level agreements for underwriting department

February 2000 March 2006 Confidential,
Junior Underwriter

Duties related to FHA, VA & Conventional loan applications
Ensure loans are processed in accordance with the established guidelines and Truth in Lending regulations
Clear conditions stipulated by Sr. Underwriter
Review and clearing appraisals, titles
Verifying mortgages, employment, deposits and other 3rd party information for validity and accuracy
Primary contact for the Loan Officer and brokers to be cleared in the system
Review and verify documents for completions, accuracy and validity
Perform 100% of the customer service , completeness of information and credit score reports

November 1997 January 2000 Confidential,
Underwriter Conduit

Underwriter mortgage loans to company guidelines
Indentify underwriting / data discrepancies and other diligence issues
Review all underwriting results and issues to underwriting manager

EDUCATION

Bachelors Degree - Business Administration

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