OBJECTIVE:

Actively seeking employment with an organization that fully utilizes my experience and abilities as well as providing opportunity for professional growth and advancement.

TECHNICAL PROFICIENCY:

Unifi, Mortgage Serv, Empower, CLAS, Fidelity (CPI), LSAMS, AS400, Fortracs and all MS Office Suite Word, Typing 35 WPM, 10 Key, DRI, Citilink, Drake, MSP, Lenderlive, Pacer, Processwork, Lazarus

Insurance Vendor Management Quality Assurance: Confidential, Plano, TX 75024
02/2012- Current

• Performs data test and document audits to ensure application integrity, accuracy, consistency and completeness.
• Prepares and issues final audit reports summarizing findings and noting corrective action.
• Perform various audits and validate findings using various technologies.
• Provide reporting of audit findings.
• Evaluate processes and procedures; work alongside process design teams.
• Identify y Self Identified Audit Items (SIAI).
• Monitor placement of flood insurance working with various flood vendors and federal flood servicers, and validate the findings of various audits.

Post Close Auditor: Confidential, Lewisville, TX 75067
02/2012- Current

• Review all documentation for 100% accuracy.
• Review Title Commitments for conformity with client requirements.
• Maintained knowledge of client, vendor, and borrower requirements per lender.
• Identified missing documents based on AUS findings or manual underwrites.
• Review the 1003, appraisal, HUD, Note, Title, Security Instrument, TIL, GFE, underwriting documents as well as Regulatory items.
• Ensure that the following regulations have not been violated:
• FCRA - Fair Credit Reporting Act
• ECOA - REG B - Equal Credit Opportunity Act)
• RESPA - Real Estate Settlement Procedures Act)
• REG Z - Truth in Lending
• FACTA - Fair and Accurate Credit Transaction Act
• Graham-Leach-Bliley Act
• Home Mortgage Disclosure Act - REG C
• Unfair or Deceptive Acts or Practices - REG AA

• Processing 10-15 loans per day into Empower system: Audit and stack files according to investor guidelines to ensure prompt purchase of the loan liaison with branch and title companies to clear suspense of the loan.
• Review all HUD and GFE to ensure accuracy of fees. Also, cross-training with LSR, Condition Specialist, and Due Diligence Underwriter.
• Audited loan files in adherence to credit policy, guidelines and regulations; Overview underwriters' decisions considering debit to ratio, credit report, salaries, calculated escrow and fees for accuracy.
• Knowledgeable of FNMA/FHLMC, FHA/VA and Sub-Prime guidelines.
• Audited processed FNMA on FHA/VA/ and Conventional loans according to government guidelines for HAMP and BAU modifications
• Verified integrity of loan documents that were prepared for the customers
• Collaborated with outside vendors to ensure that foreclosure and charge off were held
• Prepared modification documents
  Initiated the set up of escrow on accounts
• Corresponded with Private Mortgage Insurance companies
• Ordered and reviewed title reports, Reviewed the title for liens against the property
• Created a detailed rationale for every loan
• Reviewed and calculated income of for each loan in my queue
• Reviewed the credit bureau to verify debts.
• Preformed debt to income calculation as well as the loan to value calculations.
• Attained underwriting authority up to 500,000.00
• Completed Manual underwrites
• Completed underwrites with DU

• Reviewed underwriters' loan file to ensure quality lending decisions are being made in accordance with all lender, agency policies and guidelines. Analyzed and evaluated loan data to draw appropriate conclusions.
• Verified customers profile and performed lien perfection by liaising with various title companies.
• Recognized fraudulent transaction and investigated discrepancies in the loan files.
• Processing 10-15 loans per day into Empower system: Audit and stack files according to investor guidelines to ensure prompt purchase of the loan liaison with branch and title companies to clear suspense of the loan.
• Review all HUD and GFE to ensure accuracy of fees. Also, cross-training with LSR, Condition Specialist, and Due Diligence Underwriter.
• Audited loan files in adherence to credit policy, guidelines and regulations; Overview underwriters' decisions considering debit to ratio, credit report, salaries, calculated escrow and fees for accuracy.
• Knowledgeable of FNMA/FHLMC, FHA/VA and Sub-Prime guidelines.
• Audited processed FNMA on FHA/VA/ and Conventional loans according to government guidelines for HAMP and BAU modifications
• Verified integrity of loan documents that were prepared for the customers
• Collaborated with outside vendors to ensure that foreclosure and charge off were held
• Prepared modification documents
  Initiated the set up of escrow on accounts
• Corresponded with Private Mortgage Insurance companies
• Ordered and reviewed title reports, Reviewed the title for liens against the property
• Created a detailed rationale for every loan
• Reviewed and calculated income of for each loan in my queue
• Reviewed the credit bureau to verify debts.

• Review all HUD and GFE to ensure accuracy of fees. Also, cross-training with LSR, Condition Specialist, and Due Diligence Underwriter.
• Audited loan files in adherence to credit policy, guidelines and regulations; Overview underwriters' decisions considering debit to ratio, credit report, salaries, calculated escrow and fees for accuracy.
• Knowledgeable of FNMA/FHLMC, FHA/VA and Sub-Prime guidelines.
• Audited processed FNMA on FHA/VA/ and Conventional loans according to government guidelines for HAMP and BAU modifications
• Verified integrity of loan documents that were prepared for the customers

EDUCATION and TRAINING:

• Finance
• Mortgage Banking coursework include: Fair Lending Act, Fair Credit Report Act, Ant-Money Laundering

Residential Mortgage Coursework (completed at various institutions)

• Intermediate training in pooling loans for FHLMC/FNMA; FHA & VA loan processing