Objective: A position where I can use my solid education background, work experience, and leadership skills to excel in a fast paced work environment.

Education:

Bachelor of Science in Business Administration

• Minor in Marketing
• Deans List

Confidential, Plano, TX
Compliance Analyst October 2011-Current

• Perform quarterly bank, mortgage, and business fair lending audits.
• Prepare executive summaries of all compliance related audits for Sr. Management, and The Board of Directors.
• Conduct monthly mortgage, consumer, and business rate audits to ensure all customers received the accurate rate.
• Complete daily rate lock wholesale audits to ensure the pricing on all loans are within guidelines.
• Perform underwriting analysis for bank and mortgage company.
• Analyze reports on government monitoring information to make sure processes are followed, and data is accurate.
• Review all loan officer websites to ensure the information being marketed is within compliance.
• Perform annual consumer and business underwriting analysis for fair lending concerns.
• Provide support to bank, risk management services, and mortgage group for compliance related issue and questions.
• Develop and implement new audit processes and procedures.
• Continued education with bank employees in regards to lending compliance laws and regulations.
• Responsible for creation, audit, and upload of HMDA loan application register (LAR).
• Assist CRA officer in projects, and in preparing financial reports related to community development.

Job Title: Senior Risk Management Specialist April 2011- October 2011
Risk Management Specialist November 2010- April 2011

• Conduct quality assurance audits on mortgage loans while following state/ federal regulations, bank lending policies, and procedures.
• Audit FHA, VA, Conventional, One Time Close (OTC), and modification mortgage loans to identify violations, inaccuracies, and omission.
• Review each loan application for residential real estate lending to ensure compliance with Regulation B, Regulation C, RESPA, Regulation Z, Fair Housing Act and FACT Act.
• Support staff with compliance and risk related questions.
• Enter compliance errors/exceptions into quality control database, and follow-up with applicable staff to ensure corrections are made.
• Ensure measures are taken to correct error patterns in origination or administration.
• Lead and assume responsibility for special lending related projects.
• Assist with improving techniques for the quality and reliability of audits.
• Update audit checklists, and audit procedures as needed.
• Work with Consumer lending department to gather information needed for HMDA reportable loans.
• Responsible for creation, audit, and upload of HMDA loan application register (LAR).
• Resolve HMDA LAR exceptions and Geo-Code Exceptions
• Assist in gathering documentation for outside auditors/examiners.
• Accountable for Training of new employees

• Prepare loan closing documents for FHA, VA, and Conventional loans, while following RESPA law and company protocol.
• Review hazard insurance policies, residential appraisals, sales contracts, flood certification, underwriter findings, title commitments, and property tax information to ensure all forms meet company policies and regulations prior to preparing closing documents.
• Perform compliance tests and audits to ensure loans are not high cost and meet all state and government regulations.
• Provide customer support for title companies, brokers, and sales executives on closing process.
• Ability to successfully close and manage multiple files in a fast paced work environment, while meeting required company deadlines.
• Set up outgoing wires for scheduled closings.
• Approve hud-1 settlement statements
• Set up tax and insurance escrow accounts based on provided insurance policies and tax certificates.

• Responsible for reviewing and funding FHA, VA, and Conventional loans according to company operating procedures.
• Provide top-notch customer service while expressing a great sense of urgency.
• Review and audit funding documents, sales contracts, appraisals, and insurance in a timely manner to make sure all the essential documents are completed, signed, and dated correctly.
• Ability to fund multiple files in a very fast paced work environment.
• Check compliance and pricing on each Hud-1 settlement statement.
• Train and educate account executives and sales staff on the funding and auditing process.
• Train new employees on entire funding process during orientation phase.
• Continued communication throughout the funding process with title companies, and mortgage brokers to make sure that all the required funding documents are accounted for on each individual loan
• Audit multiple loans to ensure that company requirements are met prior to releasing funding authorization, and disbursement of funds.

• Coordinated and equally distributed files to funding department accordingly.
• Provided customer service to brokers, title companies, and law firms in all aspects of the closing and funding processes.
• Communicated with title companies, brokerage services, and law firms to ensure the required funding documents were accounted for.
• Contacted brokers and account executives with status updates on loan.
• Corresponded with the corporate post-closing department on funding issues.

• Contacted companies for potential job openings for candidates.
• Experience in business to business inside sales.
• Qualified and interviewed candidates for potential job placement on a daily basis.
• Advised candidates on successful interview and resume tips.
• Matched and scheduled candidates for interviews with companies.
• Team based environment.

Confidential, Commerce, TX
Job Title: Special Projects/Quality Control Associate 2004- 2006 (part time)

• Responsible for all aspects of product quality, including assembly, visual inspections, cleaning, and pre-shipment inspections.
• Managed the refurbishment of Canon doors and panels for reassembly.
• Assisted in timely delivery and pick up of product.

Confidential, Richardson, TX
Job Title: Parts/Inventory AssistantMay 2000-August 2004 (part time)

• Assisted in shipping and receiving of automobile parts.
• Distributed parts to corresponding departments.
• Assisted in inventory management.

Skills:

• Proficient in Microsoft Office (Word, Excel, PowerPoint)
• Good problem solving, and decision making ability
• Excellent verbal and written communication skills
• Skilled in Internet use, and Internet research
• Proficient in Typing