Experience

Tomo

• United States
• Real Estate
• 1 - 100 Employee

• QA/QC

  • May 2021 - Present

  • Maintain Quality Control Plan, Audit Question Sets, Policies and Procedures. • Perform mortgage origination loan level audits (pre-fund “PFA”, target, etc.) to provide an independent assessment of credit risk and ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Identify operational gaps, areas of risk, isolated issues and collaborate with teammates on corrective actions and plans. • Communicate Audit Results… Show more • Maintain Quality Control Plan, Audit Question Sets, Policies and Procedures. • Perform mortgage origination loan level audits (pre-fund “PFA”, target, etc.) to provide an independent assessment of credit risk and ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Identify operational gaps, areas of risk, isolated issues and collaborate with teammates on corrective actions and plans. • Communicate Audit Results Monthly to Operations via monthly reporting and Engage on Corrective Actions / Debriefs / Troubleshooting. • Manage a fluid pre-funding audit pipeline accommodating file rush requests and ad-hoc audits. • Work with third-party audit vendor to ensure consistency and facilitate the managing of loan level audits. • Real-Time Collaboration with Operation Managers and teammates to Mitigate Risk Associated with Significant Findings. • Train and coach new hires on how to perform current pre-fund audit and manage the PFA pipeline Highlights • Developed the operational process of conducting, communicating, and finalizing loan level Pre-Fund and Post-Close QC audits to align with Fannie Mae and Freddy Mac selling guides. • Developed custom reporting that can provide information in real time, risk assessments and trending attributes. • Developed custom sample methodology and real-time pipeline management. • Developed specific auditing process comprised of creating audit steps, job aids and training for the Pre-Fund Audit. • Manage all QA/QC external audit requests, reports, questions from Investors / HUD Audit / Warehouse Audit Show less • Maintain Quality Control Plan, Audit Question Sets, Policies and Procedures. • Perform mortgage origination loan level audits (pre-fund “PFA”, target, etc.) to provide an independent assessment of credit risk and ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Identify operational gaps, areas of risk, isolated issues and collaborate with teammates on corrective actions and plans. • Communicate Audit Results… Show more • Maintain Quality Control Plan, Audit Question Sets, Policies and Procedures. • Perform mortgage origination loan level audits (pre-fund “PFA”, target, etc.) to provide an independent assessment of credit risk and ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Identify operational gaps, areas of risk, isolated issues and collaborate with teammates on corrective actions and plans. • Communicate Audit Results Monthly to Operations via monthly reporting and Engage on Corrective Actions / Debriefs / Troubleshooting. • Manage a fluid pre-funding audit pipeline accommodating file rush requests and ad-hoc audits. • Work with third-party audit vendor to ensure consistency and facilitate the managing of loan level audits. • Real-Time Collaboration with Operation Managers and teammates to Mitigate Risk Associated with Significant Findings. • Train and coach new hires on how to perform current pre-fund audit and manage the PFA pipeline Highlights • Developed the operational process of conducting, communicating, and finalizing loan level Pre-Fund and Post-Close QC audits to align with Fannie Mae and Freddy Mac selling guides. • Developed custom reporting that can provide information in real time, risk assessments and trending attributes. • Developed custom sample methodology and real-time pipeline management. • Developed specific auditing process comprised of creating audit steps, job aids and training for the Pre-Fund Audit. • Manage all QA/QC external audit requests, reports, questions from Investors / HUD Audit / Warehouse Audit Show less



D.R. Horton

• United States
• Construction
• 700 & Above Employee

• QC Team Lead / QC Auditor I-Senior

  • Dec 2015 - Apr 2022

  • Manage quality control audits for loan servicing and subservicing portfolios to ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Assist in resolving issues and/or questions regarding guidelines, audit reperformance, and completing monthly loan level reporting and the scorecard of the Departments performance. • Identify gaps, areas of risk, and training within each audit and deliver the training required to ensure… Show more • Manage quality control audits for loan servicing and subservicing portfolios to ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Assist in resolving issues and/or questions regarding guidelines, audit reperformance, and completing monthly loan level reporting and the scorecard of the Departments performance. • Identify gaps, areas of risk, and training within each audit and deliver the training required to ensure the success of the department. • Maintain the integrity of QC’s Audit Question Sets, Plan, Policies and Procedures. • Managed monthly target audits of accounting, loan insuring, non-loan level and MERS requirements. Highlights • Spearheaded an all-out reconciliation of the applicable CFPB requirements to QC Servicing loan level testing. • Implemented a severity rating scale to accentuate the level of risk associated with each valid finding identified as well as the level of urgency required regarding the applicable issue(s). • Heavily vetted in reviewing regulations, legal requirements and guidelines which include but not limited to FHA, VA, RHS, CFPB, RESPA, FDCPA, FCRA, GBLA, FNMA, FHLMC, etc. Show less • Manage quality control audits for loan servicing and subservicing portfolios to ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Assist in resolving issues and/or questions regarding guidelines, audit reperformance, and completing monthly loan level reporting and the scorecard of the Departments performance. • Identify gaps, areas of risk, and training within each audit and deliver the training required to ensure… Show more • Manage quality control audits for loan servicing and subservicing portfolios to ensure compliance with legal requirements, agency regulations, investor guidelines and internal policies and procedures. • Assist in resolving issues and/or questions regarding guidelines, audit reperformance, and completing monthly loan level reporting and the scorecard of the Departments performance. • Identify gaps, areas of risk, and training within each audit and deliver the training required to ensure the success of the department. • Maintain the integrity of QC’s Audit Question Sets, Plan, Policies and Procedures. • Managed monthly target audits of accounting, loan insuring, non-loan level and MERS requirements. Highlights • Spearheaded an all-out reconciliation of the applicable CFPB requirements to QC Servicing loan level testing. • Implemented a severity rating scale to accentuate the level of risk associated with each valid finding identified as well as the level of urgency required regarding the applicable issue(s). • Heavily vetted in reviewing regulations, legal requirements and guidelines which include but not limited to FHA, VA, RHS, CFPB, RESPA, FDCPA, FCRA, GBLA, FNMA, FHLMC, etc. Show less



Education Hive Foundation

• Information Technology and Services

• Co-Founder

  • Jan 2011 - Apr 2022

  Responsible for the management and development of Education Hive Foundation. A non-profit created to help facilitate students achieve academic success within the field of higher education by revolutionizing how we learn! Responsible for the management and development of Education Hive Foundation. A non-profit created to help facilitate students achieve academic success within the field of higher education by revolutionizing how we learn!



CIT

• United States
• Financial Services
• 700 & Above Employee

• "Loan Review Manager"

  • Jun 2011 - Dec 2015

  • Managed loan and quality reviews for a multitude of areas in Home Loan Servicing and Financial Freedom Reverse mortgages to ensure compliance with regulations, bank policies and procedures. • Specialized in resolving conflicts with all levels of management and managed risk with strict deadlines, in a constantly changing high pressured environment. • Reported on risk of violation of compliance requirements to executive management and worked with the business units on corrective… Show more • Managed loan and quality reviews for a multitude of areas in Home Loan Servicing and Financial Freedom Reverse mortgages to ensure compliance with regulations, bank policies and procedures. • Specialized in resolving conflicts with all levels of management and managed risk with strict deadlines, in a constantly changing high pressured environment. • Reported on risk of violation of compliance requirements to executive management and worked with the business units on corrective actions. • Worked with Regulators, IT, Business Units, Compliance and Third Party Vendors maintaining daily communication through weekly meetings, conference calls, and emails. • Experienced in reconciling figures, amounts, guidelines, and reviewing legal affidavits, mortgage documents, OCC, HUD, GSE, SCRA, FDCPA and CFPB guidelines. • Wrote over 50 QC test plans/AQS and affidavit templates for enterprise risk management and business units. • Actively worked on annual budgets for monthly/quarterly reviews, special projects, and third-party contract negotiations to meet the business needs. Highlights • Responsible for implementing Companywide Quality Control standards to include loan and quality review functions for Reverse Mortgage Servicing as they related to FHA guidelines. • Implemented Quality Control and Operational feedback/accountability program. Show less • Managed loan and quality reviews for a multitude of areas in Home Loan Servicing and Financial Freedom Reverse mortgages to ensure compliance with regulations, bank policies and procedures. • Specialized in resolving conflicts with all levels of management and managed risk with strict deadlines, in a constantly changing high pressured environment. • Reported on risk of violation of compliance requirements to executive management and worked with the business units on corrective… Show more • Managed loan and quality reviews for a multitude of areas in Home Loan Servicing and Financial Freedom Reverse mortgages to ensure compliance with regulations, bank policies and procedures. • Specialized in resolving conflicts with all levels of management and managed risk with strict deadlines, in a constantly changing high pressured environment. • Reported on risk of violation of compliance requirements to executive management and worked with the business units on corrective actions. • Worked with Regulators, IT, Business Units, Compliance and Third Party Vendors maintaining daily communication through weekly meetings, conference calls, and emails. • Experienced in reconciling figures, amounts, guidelines, and reviewing legal affidavits, mortgage documents, OCC, HUD, GSE, SCRA, FDCPA and CFPB guidelines. • Wrote over 50 QC test plans/AQS and affidavit templates for enterprise risk management and business units. • Actively worked on annual budgets for monthly/quarterly reviews, special projects, and third-party contract negotiations to meet the business needs. Highlights • Responsible for implementing Companywide Quality Control standards to include loan and quality review functions for Reverse Mortgage Servicing as they related to FHA guidelines. • Implemented Quality Control and Operational feedback/accountability program. Show less



CIT

• United States
• Financial Services
• 700 & Above Employee

• Loan Resolution Counselor

  • Jun 2008 - Oct 2010