Experience

Ruoff Mortgage

• United States
• Financial Services
• 500 - 600 Employee

• Licensing Compliance Director

  • Apr 2021 - Present

  Manage and maintain the organization's NMLS records, ensuring all licensing requirements are up to date. Review and interpret state and federal regulations related to mortgage lending and licensing, as applicable. Develop and implement licensing strategies to ensure compliance and efficiency. Make realtime/same day updates to the loan origination system and develop safeguards around this process. Escalate issues to Executive Management accordingly. Prepare and submit NMLS license applications and renewals accurately and on time. Monitor the status of license applications and troubleshoot any issues that may arise. Maintain records of all license-related documentation and correspondence. Act as a point of contact for regulatory agencies and respond to inquiries related to NMLS licensing. Keep the organization informed about changes in licensing requirements. Conduct regular P&P reviews to ensure that all employees engaged in mortgage lending activities are properly licensed. Implement and maintain compliance processes and procedures to minimize risks. Address and resolve compliance violations and issues promptly. Generate reports on licensing status, compliance metrics, and trends. Maintain accurate and organized records of all licensing-related activities. Prepare documentation for audits and regulatory examinations. Show less



Hallmark Home Mortgage NMLS#53441

• United States
• Financial Services
• 100 - 200 Employee

• Compliance Officer

  • Nov 2016 - Apr 2021

  Advertising, Social Media, Polices, Processes, Procedures, CMS, HMDA, Training, Encompass Admin, Auditing, Investor Relations, FHA, VA, Construction & all things Compliance and most things outside as well. Everything but Sales. Advertising, Social Media, Polices, Processes, Procedures, CMS, HMDA, Training, Encompass Admin, Auditing, Investor Relations, FHA, VA, Construction & all things Compliance and most things outside as well. Everything but Sales.



Royal United Mortgage LLC

• United States
• Financial Services
• 200 - 300 Employee

• Regulatory Compliance Manager

  • Aug 2015 - Sep 2016

  Assist other departments with every portion of the loan cycle, from application to investor delivery. Address any legal or compliance issues with all investors. Assure every loan we close is ATR/QM,TRID, Federal, and State compliant. Work with system integration to ensure LOS is operating optimally and correctly. Address LOS issues with Ellie Mae. Help with recruiting to ensure new employees will have minimal issues with licensing. Assist with any state required audits. FHA Connection Application Coordinator. Assure all applications meet state and federal document requirements. Implement new state disclosures on an as needed basis. Assist all departments with any general, day-to-day questions and issues. Fair lending monitoring, MCR, and HMDA reporting. Monitor Employee Social Media advertising and ensure marketing materials are compliant for all released advertising. Train all employees, as applicable, in new policies and procedures. Train all new hires on Compliance policies and LOS user interfaces. Assist VP of Compliance in responding to all Federal and State audits as requested by governing authorities. Assist Post-Closing with an investor delivery issues related to compliance, including proper document delivery, record keeping and legal compliance. Specifically work to clear investor stipulations around fee calculations and implementation. Work with Finance to correctly cure any issues with VA and FHA loans, usually inaccurate fees and UFMIP reimbursement. Essentially I fix everything either before or after mistakes are made then try and train them away. Show less

• Compliance Team Lead

  • Sep 2013 - Aug 2015

  Assist other departments with every portion of the loan cycle, from application to investor delivery. Address any legal or compliance issues with all investors. Assure every loan we close is ATR/QM, Federal, and State compliant. Work with system integration to ensure LOS is operating optimally and correctly. Address LOS issues with Ellie Mae. Help with recruiting to ensure new employees will have minimal issues with licensing. Assist with any state required audits. Connection Application Coordinator. Assure all applications meet state and federal document requirements. Implement new state disclosures on an as needed basis. Assist all departments with any general, day-to-day questions and issues. Fair lending monitoring, MCR, and HMDA reporting. Show less

• Compliance Coordinator

  • Jul 2012 - Sep 2013

  Manage operational compliance in all aspects of the mortgage loan process from initial application to post closing issues. Montior company compliance and preparedness with CFPB guidelines.

• Senior Advisor

  • Sep 2010 - Jul 2012

  Loan advisor for any and all types of mortgage financing.



Federal Housing Administration

• Indianapolis, IN

• Consultant

  • Apr 2009 - Sep 2010

  Consultant at resource center for FHA/HUD. Answering questions pertaining to FHA and HUD programs and advising on underwriting guidelines. Consultant at resource center for FHA/HUD. Answering questions pertaining to FHA and HUD programs and advising on underwriting guidelines.