Loan Review Team Lead Resume
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SUMMARY:
- Accomplished financial professional with over 18 years of experience performing credit underwriting, management, audit, compliance, sales and duties. Expertise in team building and leadership, business start up and mortgage finance. Known as a top tier achiever with excellent analytical abilities and strong communication skills looking to further his career.
PROFESSIONAL EXPERIENCE:
Confidential
Loan Review Team Lead
Responsibilities:
- Manage a team of 10 direct reports, whose main job functions are perfecting Mortgage Insurance claims, filing Government Sponsored Entities (GSE) and Private Label Securities (PLS) claims. Job entails, of associates, risk management and project management. associates and re - deployed associates to include both servicing and perfecting MI Claims, filing GSE and PLS Claims.
- Project management, involving complex information and processes, including the creation of job aids and processes for the department. ed officer title of Assistant Vice President for consistent exemplary service. Review team recommendations to ensure consistent application of standards and recommends bank actions arising from loan reviews. Provide feedback and coaching to department staff on quality and effectiveness of work product. Delegate files and manages workflow to ensure timelines are met.
Confidential
Loan Review Analyst
Responsibilities:
- Review closed loans for adherence to established loan guidelines. Respond to internal and external audits/inquiries and recommend bank actions arising from the review. Special Projects Include Loan Review Analyst III Position from, 180 Day FNMA Rebuttal, Data Analysis, Outbound Appeal and MI Findings. Assisted in the of new associates and helped in the of an offsite associate through a buddy system.
Confidential
SR. Quality Assurance Analyst
Responsibilities:
- Underwrite applications to corporation’s guidelines using Capstone and Confidential . Review and clear conditions, contact applicants and Mortgage Loan Officers.
Confidential
Contract Underwriter
Responsibilities:
- Underwriting, clearing conditions - Handle daily flow of contract and MI loans to assure prudent and timely underwriting decisions. Working knowledge of the GSE’s automated underwriting systems (FHLMC’s LP Classic and LP.com and FNMA’s DU on the Web). Effectively work with all sales related personnel and Client’s customer base by providing friendly and effective service oriented responses to the needs of both sales and customers.
Confidential
Quality Control/Underwriter
Responsibilities:
- Establish Quality Control guidelines, policies, procedures and audit underwriters. Mortgage Underwriter FNMA/FHLMC mortgage loans and FHA Title II applications using DU/LP. Created Underwriting Manual for imPAC, Community Underwriting Manual, FLEX Fit Underwriting Manual, and FLEX Fit/Community Cross Chart. Completed MBA FHA Underwriting and Operations Workshop workshop.
Confidential
Contract Underwriter
Responsibilities:
- Mortgage Underwriter at Confidential Homecomings Financial using Assetwise Direct and DU. Responsibilities included Underwriting, processing, clearing conditions, restructure of loans, and to final underwrite files.
Confidential
SR. Underwriter
Responsibilities:
- Conforming mortgage underwriter using DU/LP (FNMA/FHLMC). Analyze credit reports, determine gross monthly income for various borrowers, analyze loan collateral and assess the accuracy of appraisal, underwrite loans in accordance to company and investor guidelines, while communicating decisions.
Confidential
Quality Assurance Control Specialist
Responsibilities:
- Perform various types of quality control audits on sub-prime mortgage loan files including credit documents, appraisals, and all documents related to policy and regulatory issues. Evaluate and assess the quality of assigned operational functions to ensure compliance with internal policies and procedures, as well as state and/or federal statutes.
- Identify and document incidences when company standards and policies or any applicable state and or federal requirements have not been followed. Review unclear credit data to derive a decision while performing re-underwriting tasks of sellers mortgage guidelines. Identify irregularities and oddities that indicate possible fraud in a file. Assisted manager with reports for upper management and lead group when manager was on maternity leave for 3 months Performed consistency reviews for manager on other QC Specialists. Created and maintained Policy and Procedure Update spreadsheet, which helped efficiencies in completing audits.
Confidential
Mortgage Underwriter II
Responsibilities:
- Conforming mortgage underwriter using DU/LP (FNMA/FHLMC) in the Equity Direct Division with DU and LP s, Jumbo loan underwriting authority. Analyze credit reports, determine gross monthly income for various borrowers, analyze loan collateral and assess the accuracy of appraisal, underwrite loans to company and investor guidelines, while communicating loan decisions.
Confidential
Risk Review Specialist/Compliance
Responsibilities:
- Responsible for the assignment and completion of projects, audits, and other department functions. Maintain, manage, and monitor all OAC policies and procedures to ensure the most current information is always on file. Establish, implement, and maintain a system to announce OAC or regulatory changes or new requirements that affect the operation of the Consumer Finance Division. Assist the Department in the development and implementation of ongoing compliance for company. Provide an internal audit function of all lending activity to ensure compliance with OAC lending standards and federal/state lending regulations.
- Assist in the analysis of internal lending work processes that would help improve the operation of the department. Maintain an open and effective line of communication with all levels of management of OAC, other Oakwood affiliates, and legal advisers to ensure compliance with federal and state consumer credit laws. Schedule, assign, and review compliance audits of OAC departments and regional offices.
Confidential
Unit Manager
Responsibilities:
- Formed Confidential and Audit Departments worked with upper management and legal council to establish forms, documents, procedures, manuals, and build staff. Supervised credit unit staff over all phases of the credit process from application entry to funding completed packages. Monitored changes in HUD policies and regulations to facilitate changes in Oakwood's procedures and policies. Audited the underwriting of company Credit managers to adherence to company and FHA Title I Rules and regulations. Held group and individual developmental sessions for associates.
Confidential
Credit Unit Manager
Responsibilities:
- Handled all Specialty Loan Underwriting including employee, refinance and new underwriting programs. Handled complete underwriting for land home, land in lieu and chattel applications for a group of company sales centers. Had extensive contact with sales center employees and management over the phone and at sales center promotions. Led Development Time meetings and created spreadsheet for company wide use. Led Problem Solving Groups to improve processes and motivate employees. Co-authored Refinance Underwriting and Policy Manual.