IDS Projects Manager

• Aug 2021 - Present

Operations Manager/Systems Manager

• Aug 2020 - Aug 2021

Responsible for managing the overall functions of onboarding, compliance, quality control, secondary, disclosures, processing, funding, closing, and underwriting departments. In addition to all things systems, Encompass. An overview of responsibilities includes but is not limited to the following: • Actively manage day-to-day activities of the Operations Team in order to understand the needs of their respective teams and maintain smooth, timely and efficient processes. • Develops and implement best business practices for each department and job function, specifically internal and external customer service and quality control related functions. • Understand and comprehend the overall plan for the company and the department and set specific goals for employees that will be suitable with the overall plan and are clear to the individual leads and teammates. • Identify and resolve issues that arise and are consistent with normal daily operations of manufacturing residential loans. • Remain informed of all government regulations, requirements and laws for investors, regulators, branch and broker submissions and certifications. • Regularly attend and participate in departmental meetings. • Lead the process for creating new Encompass functions/capabilities. • Review business requirement documents and propose, execute, and implement solutions. • Perform system analysis to determine the impact of proposed solutions. • Develop, manage and maintain training documents/job aides. • Design, document, configure, test, and deploy approved Change Requests and Enhancements. • Create workflows, input forms, custom fields, documents, business rules. • Collaborate with key stakeholders for continuous improvement. • Compliance, NMLS, new state branch licensing, investor renewals Show less

Processor Assistant

• Jul 2019 - Aug 2020

Disclosure Manager

• Aug 2012 - Jan 2019

Oversee the day to day operations of the disclosure department to ensure compliance with applicable laws/regulation for residential mortgage loan applications, disclosures and Loan Estimates. • Manage and implement policies and procedures to enhance accuracy and efficiency focusing on regulatory compliance and customer service to our borrower, loan officers and processors. • Manage a team of 13 responsible for the Loan Estimate and Initial Disclosures to ensure compliance, accuracy and timing of initial disclosures upon receipt of the loan application as well as validating compliance of change in circumstance and redisclosures. • Review and manage policies and procedures as well as system (Encompass) functionality to make modifications as needed. • Responsible for managing/programing disclosures, managing/programing fees and Mavent fee mapping within Encompass. • Review guidelines and provide support for new products. • Audit and prepare Post Consummation Closing Disclosure, ensure all fees and dates are accurate and all required fee variances are cured. • Prepared and audited the Closing Disclosures, ensuring all fees, loan information and borrower information are accurate. • Implemented the policy and procedures for the Pipeline Management Process. • Managed the pipeline compliance specialist (withdraws, denials, closed for incompleteness). • Served as a point of contact for compliance questions and issues regarding ECOA Notification requirements. • Assist in managing the data collection and reporting process of the Home Mortgage Disclosure Act (HMDA) • Experienced with federal and state mortgage lending regulations such as TRID, TILA, RESPA, ECOA, HMDA. • Served on TRID implementation Committee. • Liaise with Operations and IT to foster continuous efficiency and enhancements. Show less

Member Service Representative III

• Feb 2007 - Aug 2012

• Processed a variety of financial transactions for members including closing and opening of accounts, IRA's and Trusts, issuing checks, ordering debt and credit cards, processing deposits and withdrawals from accounts. • Analyzed member's financial needs and asked leading questions to effectively cross-sell products and services the credit union offered. • Assisted members with loan products which included Auto Loan, Personal Loans, Credit Card, LOC and HELOC. • Maintained an understanding of all lending policies and procedures. • Used the loan application to process all loan requests according to the lending guidelines. • Cash handling and balancing, ATM balancing and vault teller functions. • Processed money orders, travelers’ checks, Official Checks, prepaid Visa cards & Certificates of Deposits • Reconciled and balanced cash drawer. • Completed internal payroll requests and direct deposit forms. • Ensured quality check image for retention and audit purpose. • Responsible for compliance with the Bank Secrecy and Anti Money Laundering Acts, including monitoring illegal activity. Show less

Assistant Processor

• Dec 2005 - Mar 2007

• Analyze and record all incoming documents for compliance and loan eligibility • Verify and validate supporting income, assets and liabilities • Review and verify credit reports • Maintain open communication with customers, real estate brokers and loan officers to; ensure proper and timely processing and submission of mortgage applications. • Input and/or update mortgage applications. • Send and follow-up on verifications to employers, banks, creditors, etc. • Provide status reports on each mortgage indicating process to the loan officer. • Performed other related duties as assigned by the processor. Show less