Quality Assurance Analyst

• Jun 2018 - Present

Analyst

• Sep 2017 - Jun 2018

Analyze post funded loans for a variety of investors and companies. Ensure compliance is met to State and Fed regulations. Full review of file including income analysis, Credit, RESPA, TRID. Reviewing unconventional loans for private investor hard money investment loans. • Underwriting file for accuracy and salability for various organizations.• Reporting inconsistencies in the file which could include disclosure regulations, signature timing, HUD fee reconciliation, compliance, income and improper vendor licensing. • Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.• Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.Identifies portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure. Show less

Loan Review Analyst II- QC Underwriter

• Jan 2015 - Mar 2017

Supports and performs Underwriting audits to detect violations of laws and applicable regulations, as well as company policies and procedures on HUD, FHA, Fannie Mae and Freddie Mac Conventional Loans. Reports findings in form of a written appeal whether finding was material or immaterial; assists on special projects; and ensures coordination with other departments aligning compliance activities.• Responsible for analyzing, responding and negotiating claims of a breach of representations andwarranties of the banks Investor repurchase division.• Responds to alleged violations of rules, regulations, policies, procedures, and Standards of Conduct by evaluating or recommending the initiation of investigative procedures.• Handle functions related to Property Preservation, Deed Recordings, Attorney Correspondence, PMI Post Settlement, Curtailments, Mortgage Servicing Release, Flood and Hazard Claims and rebuttal claims• Involved in reviewing several types of mortgage guidelines for several investors, from 2003 to present, which includes, Conventional, Government backed, FNMA, Freddie Mac etc. Show less

Sr Quality Assurance Analyst

• Sep 2012 - Jan 2015

Successfully managed the redeployment of two teams of Bank associates located in Easton, PA and St Louis, MO. Traveled to sites, created training materials, conducted on-site training, mentored associates during transition period and performed quality assurance reviews to ensure a successful redeployment of over 50 employees. Received Platinum Award in turn.• Trained vendors in Fort Worth TX on a Title Policy resolution project. Facilitated from start to finish.• Provided feedback to associates to drive quality and efficiency on various mortgage related projects including Missing Docs, Title Resolution and Underwriting. • Provided support to internal as well as vendor management. Show less

Officer - Auditor 1 -Default Servicing

• Jul 2010 - Sep 2012

• Identify, research, and report underwriting deficiencies, inconsistencies, and/or misrepresentations on FNMA, FHLMC, FHA and VA loans.• Expertly analyzed loan file and related documents while utilizing full working knowledge of processes, secondary market and investor guidelines.• Responded to internal and external audits/inquiries and recommend bank actions arising from the review.

Loan Counselor

• Feb 2007 - May 2010

• Reviewed automobile credit applications to determine borrowers credit ability and worthiness • Provided solutions and cross sold any potential customers to other departments. • Focused on problem resolution in review of delinquent accounts and determine the necessary actions required. • Reviewed automobile credit applications to determine borrowers credit ability and worthiness • Provided solutions and cross sold any potential customers to other departments. • Focused on problem resolution in review of delinquent accounts and determine the necessary actions required.

Loan Officer

• Jan 2004 - Sep 2008

• Managed a pipeline of 40+ loans weekly. • Worked leads and performed cold calls to continually build client pipeline. • Managed originations through processing and underwriting. • Worked with Secondary Marketing to obtain lock agreements. • Worked with loan products including prime, secondary, ALTA, negative amortizing loans and sub-prime loans. • Managed a pipeline of 40+ loans weekly. • Worked leads and performed cold calls to continually build client pipeline. • Managed originations through processing and underwriting. • Worked with Secondary Marketing to obtain lock agreements. • Worked with loan products including prime, secondary, ALTA, negative amortizing loans and sub-prime loans.