Underwriter - Forensic / Retention Operations Quality Analysis Auditor (ROQA)

• Feb 2012 - Present

Analyzes transactions to ensure compliance with client and investor guidelines. Ensures correct documents and information are available in a variety of client systems and closings are conducted properly. Work assigned tasks in a timely mannerAnalyze borrower loan documentation to determine borrower eligibility and compliance with client and/or investor guidelinesAnalyze financial statements, Credit Bureau Reports when applicable2nd Look UW Auditing Quality Control for other Team membersCalculate income and Debt ratios Demostrated knowledge of a wide variety of mortgage documents, Income documents, Credit Reports, Tax returns and schedules, asset statementsConducted written assessment and recommendationsEnter accurate figures into system of record, including but not limited to proprietary systemsDemonstrated follow-through with Borrowers, Loan Processors, CRM and Management throughout the Underwriting process when necessary for conditions needing to be resolvedInteract with investors to verify adherence to specific guidelines - compliance reviewsAssesses the credibility and accuracy of evidence provided in support of the R&W claimProvides written appeals in those instances where the allegation does not meet the requirements of a breach of the respective mortgage contractsReviews individual mortgage origination/post origination documentation and performs database research to obtain information needed to analyze the claimMonitor timelines, escalate reasons for delaysAssessed whether an alleged breach is material when applicable under the terms of the respective mortgage contractsAnalyzed origination documents and determines whether any inconsistencies may be indicative of potential mortgage fraud

Legal, Compliance, Sr. Risk Analyst

• Mar 2009 - Present

Appeals/Forensic Underwriter

• Feb 2012 - Jan 2013

•Analyzes transactions to ensure compliance with client and investor guidelines. Ensures correct documents and information are available in a variety of client systems and closings are conducted properly. Work assigned tasks in a timely manner•Analyze borrower loan documentation to determine borrower eligibility and compliance with client and/or investor guidelines.•Analyze Credit Bureau Report when applicable•2nd Look UW Auditing Quality Control for other Team members•Calculate income and Debt ratios •Enter accurate figures into system of record, including but not limited to proprietary systems•Demonstrated follow-through with Borrowers, Loan Processors, CRM and Management throughout the Underwriting process when necessary for conditions needing to be resolved•Interact with investors to verify adherence to specific guidelines•Review final offers to determine final qualification prior to loan Modification decision•Monitor timelines, escalate reasons for delays•Underwriting – Appeals for Loans – QA Second Review Investigation•Review the frontline UW decisions for accuracy if the decline is appealed by the borrower •Review the decline reason for accuracy and if it is found to be inaccurate will either overturn that decline or complete a full UW review if applicable

Paralegal / Legal Analyst - Default Management - Litigation

• Jan 2011 - Jan 2012

In REM Litigation In REM Litigation