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Quality Control Analyst Resume

Mesquite, TX

Professional Experience

Confidential, May 20011-current
HL ID Underwriter Lewisville, TX

  • Underwrite and process Fannie Mae, Securitized, Private and Asset loans for modification
  • Decision loans for a permanent Modification or Forbearance program
  • Calculate income according to paystubs, P & L, bank statements and Tax Returns
  • Collects and analyzes documents from the borrower, credit bureaus and appraisers

Confidential, November 2009-current
Quality Control Analyst Lewisville, TX

  • Utilize Guardian, Lender Live system, and MOD application input loan numbers and verify the accuracy of the loan information
  • Verify escrow amounts
  • Verify HOI escrow shortage and PMI
  • Verify loan amounts, note dates, step rate and the balloon payments
  • Check closing dates, and interest accrual dates
  • Complete a check list for pass or fail
  • Review and decision of multiple lines of business on HAMP Treasury and Chase Modifications.
  • Verify LISA (investor guidelines) for in-house (Chase) modifications guidelines and verify that Chase applications conform to required specifications.
  • Calculation and correction of escrow requirements for both HAMP and Chase modifications.
  • Audit of final HAMP contract modification to verify that all ratios, calculations, terms and verbiage are accurate.
  • Verify hardship affidavit, deed & lieu, and short sales in Lender Live
  • Accessing client information using Lending Portal
  • Process denial letters, option to arm letters, and arm to fix letters

Confidential, March - May 2009
Closer Coordinator

  • Utilizing System Impact, verify loan accuracy with regards to Rate Lock, Type of loan (FHA/VA, Conventional, Refinance, and Purchase)
  • Verify RESPA documents
  • Verify decision conditions with regards to Escrow, Hazard Insurance, Title Commitment and Rate Lock expired date
  • Utilize Lotus Notes to right fax daily Pipeline report
  • Send files to funding
  • Ship files

Confidential, August 2008 - November 2008
Post Closing Auditor

  • Received files from the net branches to review for insurance purposed
  • Reviewed the full files that were closed and needed to be sent to HUD for insurance after checking the HUD, Note, and Deed
  • Audited the file looking for missing items listed on the HUD checklist; after reviewing the documents notified the branch underwriter and processor to get the missing items needed to insure the loan
  • Review FHA and VA loans
  • Assign loans to underwriter and print and pull conditions that are faxed over from different branches within Countrywide KB Home Loans

Confidential, December 2007 - May 2008
Service Processor I

  • Reviews title and contract information to ensure accuracy of information
  • Process all lien releases as scheduled for timely release
  • Creates letters/correspondence to the dealer and/or customer and/or other third party for
  • title release
  • Requests required lien release documents to be imaged
  • Notaries the documents as needed to process the lien release
  • Updates system appropriately based on actions taken
  • Contacts/Questions third party/customer/dealer regarding confirmation of payoff source
  • Answer incoming calls while maintaining high quality customer service, providing
  • information on the process and providing updates with timelines of processing and
  • achieving required performance expectations
  • Completes and maintains all documentation for accurate and completion lien release and
  • contract payoff processing
  • Sets follow-up dates correctly and completes the scheduled follow-ups efficiently by
  • appropriating the necessary time to complete task
  • Assists in the training of new employees

Confidential, January 2007 - October 2007
Document Control Analyst

  • Prep files and stamp documents for bids
  • Image, scan and copy documents utilizing the RICOH 2105 System
  • Identify all foreclosure documents and index them accordingly
  • Update documents utilizing Kodak Imaging System
  • Must perform 1000 to 1500 keystrokes
  • Index foreclosure documents

Confidential,November 1996 - June 2006
Quality Control Specialist 12/01 - 06/06

  • Locate and review documents from Imaging
  • Perform written employment verifications on all loans being reviewed by Quality
  • Control
  • Verify all information entered on the verification database is complete and accurate -- 25
  • per day
  • Complete appraisal review forms on a daily basis
  • Copy appraisal package and send to Risk Management for appraisal review
  • Reviewed is returned by Risk, results are entered on the database
  • Responsible for maintenance of the Verification database
  • All information must be completed and information reported accurately
  • Daily follow-up must be conducted and documented when applicable

Senior Compliance Analyst (CitiFinancial Mortgage) 02/00 - 12/01

  • Performs 100% compliance reviews for all bulk and wholesale acquisitions
  • Review files for original closing documents and violations in areas such as RESPA,
  • HOEPA and State disclosures
  • Performs daily audit for Correspondent/Acquisition files reviewing for original Note,
  • Mortgage, Appraisal, etc
  • Performs worksheet calculations for HOEPA, Chicago High Cost, North Carolina High
  • Cost and New York High Cost Loans
  • Exceeds daily performance quota
  • Recipient of multiple Employee of the Month Award

Auditor (Associate's Home Equity) 01/99-02/00

  • Responsible for auditing files for state guidelines and requirements before processing
  • Verify legal descriptions, Title Commitments, Warranty Deed of Trust and pre-paid points

HUD Audit Specialist (Associate's Home Equity) 08/98-01/99

  • Responsible for verifying the HUD by booking vouchers
  • Check loan amount, payoff amount, odd days interest, points paid, cash to customers, signatures and dates

RESPA Auditor (Associate's Home Equity) 05/98-08/98

  • Verifying the RESPA documents: Loan Application, Good Faith Estimate
  • Transfer servicing documents, Arbitration Agreement and State Specific Disclosures
  • Input data into RESPA/FOCUS from retrieved loan files
  • Issue letters containing legal documents requiring signatures

Credit and Compliance Specialist (Ford Finance) 11/96-05/98

  • Audited legal closing documents and credit life applications
  • Tracked closed loan files
  • Liaison between district office personnel and managers maintaining an even flow of
  • certified and/or registered documentation
  • Prepared missing closing documents report
  • Prepared legal closing documents
  • Placed loans on AIMS computer system
  • Transferred wire funds and/or disburses checks
  • Prepared analysis and tracked various financial reports
  • Acted as liaison between district offices and title companies to verify the accuracy and completeness of loan closing documentation

TRAINING COURSES COMPLETED
01/06 Compliance Essentials
10/05 Manage Your Time Effectively
10/05 Ethics & Code of Conduct Training
09/04 CFI Online Training
03/03 Fraud Default Detection Training
01/02 Mortgage Serving Training
10/99 Processing Certification Program

EDUCATION

  • Coursework in Introduction to Computers, Emphasis on DOS, WordPerfect, LOTUS 123
  • and Microsoft Word for Windows
  • Received Certificate for Microcomputers Continuing Education
  • Received Certificate for Office Machines
  • El Centro College-Business Administration
  • Coursework in general business administration

technical skills

  • Microsoft 07-Excel, access, word, and power point
  • AS400
  • LISA
  • LenderLive
  • Fastrieve
  • MSP/Fidelity
  • Lending Portal
  • Pega
  • LPS
  • Early Resolution
  • Guardian
  • Agent Desk Top

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