OBJECTIVE:

Continue my extensive career as a financial services and mortgage banking industry professional.

SUMMARY:

Business professional and leader that has built a career working in the financial services mortgage industries by providing production, underwriting, compliance, and audit services to customers and financial service organizations with 25 - years of experience.

PROFESSIONAL EXPERIENCE:

Confidential

Compliance Manager - Mortgage Production and Audit

Responsibilities:

• Directly reporting to and responsible for assisting CCO with enterprise compliance review, administration, and production activities throughout Confidential in compliance with all federal, state, and local laws and regulations.
• Creation of a second line-of-defense independent risk management audit department, responsible for planning, reviewing, and auditing of corporate and mortgage origination, underwriting, and compliance activities.
• Establishment of corporate Audit schedule and review responsibilities, following internal audit planning, review testing, and report creation and distribution.
• Strong knowledge of GSE, Investor, and CFPB underwriting and compliance guidelines and experience with individual and portfolio front line and post closing underwriting/review requirements for origination, processing, post-closing, and sales of mortgage loan products to various GSEs and Investors.
• Work closely with various lines-of-business to review policies, procedures, and controls used to determine compliance with internal policies as well as regulatory guidelines.

Confidential

Senior Testing Analyst

Responsibilities:

• Responsible for second line-of-defense independent risk management business process testing and review of Enterprise and Mortgage credit and compliance functions throughout Confidential Bank.
• Responsible for planning, review, and timely completion of all phases of assigned business process testing reviews and deliverables as assigned per annual audit guidelines. Write reports that clearly articulate work performed and summarize testing results to business leadership, executive management, board, and Federal Regulators. Final reports reviewed with line-of-business leadership and published.
• Execute business process walk-throughs, identify risks and primary/key controls, evaluating control design and testing the effectiveness of manual and automated controls. Identify continuous improvement opportunities and implement routines to drive effectiveness and efficiency.
• Partner with control executive teams to resolve issues, develop sound corrective actions and strengthen internal controls.
• Manage the completion of robust daily testing activities of assigned business process testing.
• Work and partner with assigned line-of-business senior leadership and Confidential teammates as needed to complete a review of line of business process and self assurance activities.
• Utilization of various systems used in the review and retention of testing d Confidential, including SHRP and iGrafx.

Confidential

Assistant Vice President - Risk, Compliance, and Audit Manager

Responsibilities:

• Creation of Confidential RCA second-line-of-defense department, including staffing, mentoring, and implementation of systems used to manage day-to-day operations of Credit, Closed Loan, and Compliance end-to-end (E2E) reviews of consumer agency, government, and portfolio mortgage loan product to implement and support an effective risk management framework.
• Strong knowledge of GSE, Investor, and CFPB underwriting and compliance guidelines and experience with individual and portfolio front line and post closing underwriting/review requirements for origination, processing, post-closing, and sales of mortgage loan products to various GSEs and Investors.
• Extensive regulatory, audit, control testing, and issue management and leadership experience with excellent written and verbal communication skills.
• Considerable knowledge of fluid industry, applicable laws, regulations, financial services, and regulatory trends, with the ability to efficiently work with senior and executive and various regulatory agency personnel.
• Underwrite front-line single-family mortgage loans and portfolios for compliance with Investor Credit, Closed Loan, and Compliance audit review guidelines and policies and procedures.
• Completion of front-line Agency underwriting and quality control reviews of individual and departmental underwriting consumer credit, closed Loan, and compliance review findings with assigned FNMA and FHLMC, USBHM business line, and regulatory personnel.
• Review of Regulatory and CFPB consumer protection Compliance laws and regulations, including, but not limited to, TRID, RESPA, TILA, UDAAP, ECOA, HMDA, BSA, AML, Patriot Act, and SAFE Act.
• Creation of software used for Mortgage Investor Testing end-to-end review of mortgage loan files, now used throughout USBHM and USB. Platinum and Silver Shield Award recipient.
• Assist in the coordination, training, and implementation of the Compliance - TRID module throughout the first and second lines of defense, including LE, CD, and tolerance analysis, throughout USBHM and USB.

Confidential

Underwriter-Quality Control

Responsibilities:

• Responsible for underwriting and quality control reviews for single and multi family mortgage loan production for Federally Insured Banks, Savings and Loans, and Credit Unions to determine acceptable quality for institutional and secondary market investors.
• Review of pre- and post-funding Agency, Non-Agency, and Portfolio mortgage loans to assure complete compliance with applicable, internal and Agency, Safety and Soundness and Compliance Regulatory Guidelines.
• Utilization of multiple Web-based quality control review systems to assist in the creation, maintenance, and documentation of underwriting and quality control plans.
• Work closely with Lending Institution personnel on individual and portfolio findings by providing trend analysis review of management reports.
• Provide fraud reviews on closed loans as well as pre-funding loans on an individual or broad sampling of loans. Investigations are based on specific risk criteria chosen by the Lender and based on known industry fraud schemes and red flags.
• Review of FNMA, FHLMC, RD, and Jumbo mortgage loan product.

Confidential

Underwriter-Correspondent Department

Responsibilities:

• Compliance Review Team responsible for Regulation X and Z analysis and implementation throughout Confidential Home Mortgage. Reviewfinancialstatements,creditreports,andapplicableratios, evaluatingandexaminingtransactionstoensureaccuracyand
• Implementationoffrauddetectiontechniques,performing
• Contactingandmanagingcustomersandbusinesspartnersto gatherinformationtomakeappropriatedecisionsandexplainand supportrationalebehindcreditpolicyanddecision.
• Provideworkdirectionand/ortrainingtolowerlevelteam membersandprovideperformancefeedbackto supervisor/management.
• Thoroughunderstandingofunderwritingpoliciesandprocedures, aswellasinvestorguidelinesandregulatoryupdatesincluding knowledgeofFNMAandFMLMCguidelinesandstandards.
• FamiliarwithLPandDUunderwriting.
• Thorough understandingofLIS, LPS, OPERA,andsupportingindustrysoftware.
• ValidChangeCircumstanceTeam - RESPAGFEanalysis.
• Compliance - RESPAenforcement-CCVTeam.
• Advancedincomecalculation,LoanSafe,andLexisNexustraining.
• Customerserviceawardwinner - 2010.
• Underwriting/riskanalysisofAgencyofmortgageloansandthose requestedforrepurchasebytheAgencies.
• Retailunderwritingreview ofWFHMmortgageproduct.
• Writtenandoralcommunicationoffindings.
• Loanunderwritingandanalysis.
• SeasonedFNMAandFHLMCproductreview.

Confidential

Lendingand Operations Manager

Responsibilities:

• Responsibleforsimpletocomplexoperations, underwriting and compliance, andsalesof singlefamilymortgage and lending brokerage.
• AdvancedknowledgeofRegulatoryandAgencyunderwriting, compliance, quality control and operations guidelines.
• Operationsoversightandunderwriteofallmortgageloanfiles. Originated,includingapplication,creditanalysis,income calculation,assetverification,titlework,appraisalanalysismortgageloansubmissionviamanualandautomated underwritingsoftware, audit, and quality assurance
• Manageunderwriting, lending, compliance reviewoperations
• ResponsibleforFNMA,FHLMC,USDA,FHA,andVAloan productsincludingmanualandextendeduseofautomated underwritingsystemsincludingDU,LP,Calyx.
• Prioritizeriskanalysisandworkflowtoensureachievementof productionaswellasriskmanagementgoals
• Singlefamilyloanportfolioreview/auditwithstaffand investors.
• Responsibleforcoaching,mentoring,andtraininginternaland externalcustomerstoachievedailyandannualproduction goals.
• Supervisionandmanagementforstaffingofcorporatestaffof upto10people
• Responsibleforalloperationsinautomotivefinance department
• Installmentloanandleaseanalysisandproduction
• Creditreview
• Managementofregulatoryandinvestorunderwritingand productionguidelines.
• Salesmanagementandtrainingoffinanceandsalesstaffto ensurecompliancewithproductionandriskmanagementgoals
• Departmentplanningandcommunicationtoensurecompliance withoverallcorporategoalsandobjectives.
• Managementofinternalandexternalcustomerrelations

Confidential

Senior Underwriter

Responsibilities:

• Responsiblefortheunderwritingandriskanalysisofallsingle familymortgageloanandproductssubmitted delegated and prior approval, includingFNMA, FHLMC,FHA,VA,andprivateinvestorproducts
• Workedinbroadbasedmanualandautomatedloanorigination andmanagementworkenvironment
• Workedcloselytomanageinterdepartmentalrisk, communications,andrelationships
• Provided pre- and post-closing and portfolio review audit and quality control analysis to assure compliance with securitization process guidelines with the trading desk.
• Providetechnicalsupport,bothorallyandinformalbusiness writing,foranyunderwritingandriskanalysisAgency questions,priortoorpostclosing,forunderwritingstaff.
• Credit,lending,andappraisalanalysis
• Responsibleforbeingateammemberofsafetyand soundnessandcomplianceexaminationsoffederallychartered lendinginstitutions
• Examiner-in-Chargeofregulatoryexaminations
• Formalbusinessandprofessionalwritingtrainingculminatingin thepreparationofreportofexamination
• Meetwithbankexecutivestaffandboardofdirectorsto discussanddisclosefindingsofreportofexamination.
• Supervisestaffexaminers.
• Identificationandanalysisofunsafeandunsoundbanking practicesandviolationsoflawsandregulationswhichaffect theconditionandsoundnessoffederallyinsuredinstitutions
• Analyzingandclassifyingofrealestateassets
• Analyzingliabilitiesandcapital
• Reviewingincomestatementandbalancesheetoperations
• Analyzingliquidityandsensitivitytomarketrisk
• Participatewithotherregulatoryexaminers.