Experience

Pango Group

• United States
• IT Services and IT Consulting
• 1 - 100 Employee

• Internal Audit Manager

  • Jan 2019 - Present

  o Streamline the Audit process to produce reliable results and clear reporting o Evaluate current system and make/recommend changes as may be necessary o Audit 10% of all closed files o Use established criteria and create new criteria based on new quick audit system o Conduct monthly meetings with operational leaders to review results and identify areas of change o Send results to each escrow officer/branch manager and establish relationships that encourage feedback and questions o Audit minimum of 2 escrows per month for DRE offices we manage o Provide feedback to DRE management team o Measure adoption of new initiatives and provide feedback to operations teams • Evaluate audit processes and implement any changes necessary for efficiency and compliance



HomeBridge Financial Services, Inc.

• Financial Services
• 700 & Above Employee

• Government Insurer - FHA, 203K and VA

  • Feb 2017 - Nov 2018

  • Perform post-funding audit of loan files (including credit and closing packages) to ensure compliance with policies and procedures as well as investor and regulatory agency guidelines. • Ensure data integrity within Post Closing systems. • Submit Insurance Applications to Federal Regulatory Agencies such as VA and HUD using web-based applications like WEBLGY and FHA Connection. • Escalate loans within allotted timeframe that may not be investor compliant or cannot be shipped within 48 hours of initial QA reviewed/assigned date. • Validate compliance with RESPA and TILA guidelines by performing a detailed audit on HUD-1 Closing statements to ensure that all fees have been properly disclosed and paid to the appropriate parties in the transaction. • Perform complex calculations to identify under-disclosures and non-allowable fees. Document resolution of under-disclosures and facilitate reimbursements to borrowers via check or wire request when applicable. • Document/grade errors and missing items in the system, send out notification to Operations Staff and Mangers to address any FAILED items on checklist and follow through to ensure timely receipt. • Reviewed and Audited for FHA , 203K and VA Guidelines • Government Insure/audit loans for FHA , 203K and VA loans • Re-underwrite loan file prior to submitting to HUD for Audit review



Prospect Mortgage, LLC

• United States
• Financial Services
• 700 & Above Employee

• Government Insuring Tech - FHA and VA

  • Mar 2012 - Jan 2017

  • Perform post-funding audit of loan files (including credit and closing packages) to ensure compliance with policies and procedures as well as investor and regulatory agency guidelines. • Ensure data integrity within Post Closing systems. • Submit Insurance Applications to Federal Regulatory Agencies such as VA and HUD using web-based applications like WEBLGY and FHA Connection. • Escalate loans within allotted timeframe that may not be investor compliant or cannot be shipped within 48 hours of initial QA reviewed/assigned date. • Validate compliance with RESPA and TILA guidelines by performing a detailed audit on HUD-1 Closing statements to ensure that all fees have been properly disclosed and paid to the appropriate parties in the transaction. • Perform complex calculations to identify under-disclosures and non-allowable fees. Document resolution of under-disclosures and facilitate reimbursements to borrowers via check or wire request when applicable. • Document/grade errors and missing items in the system, send out notification to Operations Staff and Mangers to address any FAILED items on checklist and follow through to ensure timely receipt. • Reviewed and Audited for FHA Guidelines • Government Insure/audit loans • Re-underwrite loan file prior to submitting to HUD for Audit review



Bank of America

• United States
• Banking
• 700 & Above Employee

• MTG Servicing Specialist II

  • Nov 2010 - Mar 2012

  Research and resolve loan errors related to Master File Adjustments (MFA), Mortgage Insurance (MI) and Automated Underwriting System (AUS) certificate (DU Compare) errors received from both internal and external clientsDetermine and acquire correct documentationAnswer phone calls and emails in a timely mannerCoordinate with other departments to facilitate timely resolution within established Service Level AgreementsCommunicate with Correspondent clients and third parties as needed via email and telephoneMeet established department standards for number of issues processedActively utilized Knowledge of CL Gems systems, particularly Heliotrope and RubyAbility to navigate and interpret AS400Familiar with web-based CL applications, including iPortal, Deficiency Tracking System (DTS), and SharePoint sitesAbility to resolve basic issues within a standard timeframeResponding to internal and external requests in a timely fashionAnalytical and deductive skills; ability to think logically

• Title Specialist

  • Jan 2010 - Oct 2010

  Review files to assure that the loan have a 6 month Chain of titleRequest and analyze integrity of documents ensuring loans complied with company and government policies Checked validity of conditions placed on loans and all reports and effectively communicated these to clientsActively utilized Gems systems, Microsoft Excel, Microsoft Word, and industry tailored applications

• MLO-Loan Service Specialist

  • Feb 2009 - Jan 2010

  Review files to assure that the loan has been input accuratelyRequest and analyze integrity of documents ensuring loans complied with company and government policies Checked validity of conditions placed on loans and all reports and effectively communicated these to sellers Actively utilized Microsoft Excel, Microsoft Word, Lotus Notes and industry tailored applications



Anchor Loans

• United States
• Financial Services
• 100 - 200 Employee

• Escrow Assistant/ Loan Processor

  • Aug 2007 - Jun 2008

  Draw loan Documents Drawing payoff demands Processing documents for underwriting Receive Incoming calls and interact with agents, lenders, title companies and other third party venders. Draw loan Documents Drawing payoff demands Processing documents for underwriting Receive Incoming calls and interact with agents, lenders, title companies and other third party venders.