Experience

Allied Mortgage Group Inc.

• United States
• Banking
• 100 - 200 Employee

• Compliance Analyst

  • Feb 2021 - Present

  • Assist in handling of all state and federal audits which includes obtaining all required information from relevant departments, scrubbing and formatting all data received. Responding to any follow up questions or requests from auditors. Assist in any remediation after audit findings have been submitted.• Review HMDA data on a quarterly basis. Mitigate any errors found to determine if they can be rectified or if they need to be removed. Work with IT department to help automate HMDA fields in Encompass.• Review any adverse requests fulfilled by Adverse Desk to confirm all HMDA data fields have been filled in correctly.• Review Allied Mortgage Groups live policies and procedures to confirm all current year information has been implemented in the policies.• Work with IT department to confirm all updated federal and state regulations have been implemented in Encompass.• Review and obtain any reports requested by Senior Compliance Officer.• Address fee tolerance violations, monitor loans that have active violations and address before the loan gets to the closing table. Show less

• Mortgage Servicing Specialist

  • Jul 2020 - Feb 2021

  ● Assist Servicing Manager in performing interim servicing and sub servicing oversight related to residential mortgage loans which includes boarding of loans, payment verifications, monthly payments, collateral documents. ● Assist Servicing Manager in all aspects of servicing transfers● Assist Servicing Manager in review of monthly reporting from the Sub-Servicer● Maintain and update Servicing Policies and Procedures as needed● Enter purchasing information from investor purchase advice● Clear warehouse bank lines of daily wires from purchased loans● Update company end of month reporting of servicing pipeline Show less



TBI Mortgage, a subsidiary of Toll Brothers, Inc.

• Compliance Auditor

  • Feb 2017 - Apr 2020

  • Complete monthly audits to confirm compliance with various federal and local regulations • Review on a weekly basis for possible QM violations and work with operations on curing them • Review various TRID, HMDA, Cybersecurity, UCD and other various regulations/requirements to confirm TBI is compliant in all areas • Coordinate responses to audit findings • Prepare and distribute audit reports to management • Prepare information for review by investors, Fannie, Freddie and/or supervisory agencies • Distribute and monitor reports to ensure the company’s compliance with state and federal regulations • Complete testing for any new/updated system implementations • Maintain Vendor Management System and monitor for compliance with third party vendors • Maintain appraisal management system and monitor for compliance • Update/create policies and procedures to comply with federal/state regulations • Handle NMLS for originators for the SE region Show less



New Penn Financial, LLC

• United States
• Financial Services
• 200 - 300 Employee

• Business Analyst- Compliance Operations

  • Sep 2016 - Jan 2017

  • Support all areas of the Risk Management Team including Legal, Compliance, Quality Assurance, Quality Control, and Asset Management • Responsible for analyzing, documenting, and implementing Risk Management strategic initiatives • Develop recommendations using the systems and data to solve problems and issues related to business operations with specific emphasis on Quality and Compliance • Interface with third-party vendors, as required, to meet department objectives • Act as a liaison between Risk Management and Project Management team to facilitate delivery of IT related projects • Lead meetings with stakeholders across all levels of the organization as needed • Responsibilities include reporting, analysis, consultancy, project management, and testing work • Perform other related duties as required and assigned Show less



Ocwen Financial Corporation - US

• United States
• Financial Services
• 700 & Above Employee

• Senior Analyst- Regulatory Compliance (Originations/Servicing)

  • Mar 2014 - Jun 2016

  • Mitigate risk and ascertain compliance with requirements for federal and state laws through compliance file review and compliance assessments. • Review/interpret federal and state regulations for regular updates to compliance testing and/or develop new testing procedures.• Assess and measure risk for each Line of Business by identifying issues and patterns, evaluating the completeness, accuracy, and validity of compliance documentation, processes, controls, and data accuracy relied upon throughout loan originations/servicing.• Perform compliance loan reviews and/or compliance assessments on mortgage servicing activity.• Enter results of findings into testing tracking system or complete assessment worksheets and reports.• Identify and escalate issues and trends to management.• Meet and/or exceed review quality and production standards. • Receive and evaluate feedback on findings from business channels; track business channel responses.• Coordinate with Business Analyst for sampling execution.• Assist in monitoring new and revised laws applicable to Compliance for inclusion into the test program.• Assist in ensuring sampling strategies are accurate, executed appropriately and are reflective of compliance risk.• Collaborate with the Business Analyst in the ongoing development of automated testing and other business compliance reports.• Collaborate with Business Units, Legal and Compliance partners to resolve identified issues. Show less

• Quality Assurance Analyst

  • Jun 2011 - Mar 2014

  • Oversee several servicing platform analysis’ of the Bankruptcy Department and 3rd party vendors to make sure all parties are adhering to the policies and procedures developed by the business unit and federal regulations set forth via the A.G. settlements.• Criteria includes system(s) reviews, mortgage documentation and third party systems. • Communicate with the departments on possible areas of improvement for agents and third party vendors on a process level. • Attend weekly meetings with upper management of evaluated department(s) to communicate levels of risk to the company. • Develop definition documents, procedures and job aides for Q.A. to follow once approved by the department for each of the processes being tested. • Run hands on sample testing with feedback on improvements to upper management prior to rollout of any new evaluations. • Used as an SME for quality related projects. Show less



GMAC ResCap

• Senior Default Specialist

  • Jun 2007 - May 2011

  • Liaison for audits completed by 3rd parties, if approved by liaison submit any losses into GMAC loss database for approval • Handle special projects for senior management. • Provide feedback to management ensuring that the proper procedures for bankruptcy processes are updated on a regular basis for the policies and procedures website. • Brainstorm with management to determine if the procedures in place require further updates. • Monitor to make sure processors are fulfilling their appropriate timelines for the bankruptcy filings and provide solutions to help streamline the processes to enable the floor becomes more efficient. • Handle timeline sensitive loans, which have complex issues associated with them, and providing conclusions to our attorneys on how they will be resolved. • Provide continuous training to the floor on a one on one basis and or group setting. Maintain relationships with the attorneys representing GMAC Mortgage LLC for bankruptcy proceedings. Show less



CBC Innovis D/B/A GMAC Mortgage

• Default Specialist

  • Jan 2006 - May 2007

  • Handle inbound calls from customers that filed for bankruptcy as part of the voice response unit. • Answer inbound calls from customers inquiring about their loans and general questions including bankruptcy filings, payment issues, and motion for relief deadlines, etc. • Additional projects to work on such as handling tax certifications by conferring with our assigned attorneys due to delinquent taxes. • Determine if the taxes are past due, and how the company should recover funds through the courts. • Make sure the proper vendors are assigned to the appropriate loans. Show less



Pharmaceutical Resource Solutions

• United States
• Individual and Family Services

• Project Administrator

  • Sep 2005 - Jan 2006

  • Run, evaluate, and distribute monthly reconciliation reports to sales representatives for pharmaceutical clients. • Attempt to reconcile discrepancies that exceeded the acceptable variance by utilizing drug sampling data and communication with the sales representative in question. • Ensure shipping acknowledgements, returns, transfers and monthly inventories are submitted in a timely manner. • Answer and follow up with general inquiries and requests from clients, sales representatives, district managers and vendors. • Distribute weekly error reports to sales representatives and compile monthly status reports for upper management at PRS. Show less



Wilmington Finance

• Financial Services
• 1 - 100 Employee

• Loan Officer

  • Apr 2005 - Aug 2005

  • Origination of loans for the purchase department, evaluating credit history (prime and sub-prime). • Handle outbound sales. • Maintain and exceed monthly expectations for total loan units and volume with over a million dollars in the pipeline every month. • Prepare loans for processing and approval by gathering appropriate documentation. • Origination of loans for the purchase department, evaluating credit history (prime and sub-prime). • Handle outbound sales. • Maintain and exceed monthly expectations for total loan units and volume with over a million dollars in the pipeline every month. • Prepare loans for processing and approval by gathering appropriate documentation.



Upland Mortgage

• United States
• Financial Services

• Team Lead/ Loan Officer

  • Sep 2004 - Mar 2005

  • Assist in maintainence of loan officers pipeline, scheduling, working with processors and underwriters on solving individual loan problems. • Origination of loans, evaluating credit history (sub-prime). • Experience with refinancing, fixed seconds, piggybacks, and purchases. • Maintain and exceed monthly pipeline and closing expectations by closing over a million in total volume on a month-to-month basis. • Prepare loans for processing and approval by gathering appropriate documentation from the customers. Show less



Countrywide's Full Spectum Lending

• Loan Officer

  • Mar 2004 - Aug 2004

  • Origination of loans, evaluate credit history (mainly sub-prime and prime). • Experience with refinancing, HELOCS, fixed seconds, and purchases. • Prepare loans by gathering documents and filling out paperwork for processing, underwriting and closings. • Maintain and exceed monthly goals set by branch manager. • Origination of loans, evaluate credit history (mainly sub-prime and prime). • Experience with refinancing, HELOCS, fixed seconds, and purchases. • Prepare loans by gathering documents and filling out paperwork for processing, underwriting and closings. • Maintain and exceed monthly goals set by branch manager.



PHH Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Loan Officer

  • Mar 2001 - Nov 2003

  • Origination of loans, evaluating credit history (prime, FHA, VA, and sub-prime credit). • Maintain and exceed monthly quotas set by company by closing over 40 loans per month while employed. • Origination of loans, evaluating credit history (prime, FHA, VA, and sub-prime credit). • Maintain and exceed monthly quotas set by company by closing over 40 loans per month while employed.