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Click here or scroll down to respond to this candidateCandidate's Name
Street Address PHONE NUMBER AVAILABLE/ PHONE NUMBER AVAILABLEEMAIL AVAILABLE https:/LINKEDIN LINK AVAILABLEQUALIFICATIONSOver 15 years of Mortgage Service NMLS, Forensic Underwriting, Quality Control Auditor Compliance, Auditing Quality Assurance, Auditing Quality Assurance Escrow Tax Research Skills that include Underwriting, Originations, Loss Mitigations, Fraud Investigations, Claims Insurance Adjuster, Re- verifications, Home Preservation Specialists,Expert With Numerous Computer Systems Including:ACES, ICMP, ER, H2O, FHA Connection, SiteXPro- Title Reports, Equifax-Work Number, Credit Report Re- verification, Guidance Solution Filebound, Credco, BlackKnight Loan Sphere, LPD Limited Denial of Participation, GSA SAM System for Award Management, CAIVRS, Ruth Ruhl P.C., LSAMS, Excel, Financial Service Desktop(FDS), Loan Builder, RealEC, Channel Master, Lending Portal, Fidelity MSP, Lender Live, CCW, Info Source Letters, Vendor Scape, HL Federal Search, Fiserv Mortgage Service, Closr, Excelis Mortgage Service, Microsoft Office, Nitro, R3 Research Workflow, Eagle1, Citrix Receiver, Escrow Services Internal, PaperVision, OneView, RT- Data-Base, Check21, DBR Disbursement Management, (TAS) Tax Authority System, (PAS) Property Administration, Xactimate DesktopLICENSE: State All Lines Insurance Adjuster with XactimateFLOOD AJUSTER: Harvey-Houston, Irma- Florida (Part-Time) EXPERIENCESenior Forensic Underwriter Auditor, DIGITAL RISK MANAGEMENT/ MPHASIS Maitland, FL, United States AUGUST 31, 2020 OCTOBER 14, 2022Quality Auditor for the Lookback Project, partnership with Wells Fargo Home Preservation reviewing approvals and denials for modifications of the past. Also process Covid 19 Combined Reviews providing extension request for modifications. Completed the Duplicate Manual Review Process eliminating duplicate decisions, FHA NODEXT/ NO DEFERRAL process. Noting corrections and agree or disagree with prior underwriting decisions. Reviewing FHA, FHAPCL, GSE, FHLMC, USDA, PRIVATE/OWNED via Sharepoint, RMA, ICMP, ER. Validating program eligibility requirements, request investor approval as needed. Analyzed documentation provided by the consumers and third- party vendors. Calculating available consumer cash flow based on documentation received. Reconcile debt/expense amounts and ratios. Review loan history including documentation results of prior reviewed request. Validate program requirements, determining appropriate review for a decision. Document the underwriting review in Wells Fargos systems. Maintaining required production and standards ensuring the highest level of service is provided to the consumers. Liaises working between Digital Risk Management and Wells Fargo as 3rd party vendor re-underwriting of special projects.Communicated on compliance issues and corrective action surrounding audits. 2Compliance Quality Control Auditor-Underwriter, CALIBER HOME LOANS Coppell, TX, United States MAY 21, 2018 JUNE 15, 2021Re-verification Loan Product Advisor and Non-Loan Product Advisor, for mortgages selected for post-closing review. Evaluating the validity of the information used in the original underwriting decision. Protecting against fraud and misrepresentation in written or verbal form. Reviewing for red flags, using investor requirements for FHA/BOND, VA, FNMA, FHLMC/JUMBO/CPL. Verifying personal information, credit report, employment status. Reviewing sales contracts, assets, title reports-chain, settlement hud1, verifying comparable property sales and completing field reviews. View discrepancies with down payment, closing cost, prepaid items, financial statements and pay history. Also managed 3rd party vendor (Adfitech), as liaises facilitating communication and coordinating a close working relationship between Calibers management and the other authors. Reviewing the 3rd party new verification request work reports and uploaded the new monthly re-verifications to be completed and sent back re-verifications due to errors made by the 3rd party, reviewed missing items via ACES. Ensured timely reviews are completed by the 3rd party vendor. Answering all guideline questions within ACES to compete the review process. Communicated with clients on compliance issues and corrective action surrounding audits.Performed root cause analysis with the direct correlation to audit findings with focus to improve overall environment.Assessed procedures against standard operating procedures, methods, protocols, plans and regulations. Quality Assurance Manager, CORELOGIC Coppell, TX, United States FEB 13, 2017 MAY 4, 2018Escrow Services Internal Portal and Tax Research Quality Checklist, competed quality audits for tax line maintenance updates. Reviewing check returns and refunds, exemptions, vendor updates, reviewing all disbursements history, agency type, service type for escrow and non-escrow loans, convert and pay processes. Review and ensured that deposited funds were placed back into escrow, and verify penalty charges. Handled special bulk loans providing checks and reviewing tax authority system, property administration legal description and verified the correct responsible party between the homeowner, tax authority or Corelogic. Procuring the amounts and determining liability. Ensured procedures, process for payments, void procedures are used correctly. Submitted a quality pass or fail for employees.Evaluated company processes and determined areas in need of improvement or corrective action.Reviewed workflow to enforce adherence to customer requirements and expectations. ADDITIONAL WORK HISTORY:Flood Adjuster (HARVEY & IRMA) PILOT CATASTROPHE SERVICES INC SEPT 8,2017 DEC 12, 2017 Underwriter Quality Control Auditor PACIFIC UNION FINANCIAL OCT 20, 2014 - DEC 6, 2016 Originator CD Sales / Loss Mitigation JPMORGAN CHASE JUNE 1, 2008 - OCT 15, 2014 Default Loan Service Rep II TRIAD FINANCIAL AUTO MAY 1, 2006 - APRIL 1, 2008 Loss Mitigation Specialist / Fraud SAXON MORTAGE SERVICES JULY 2, 2001 APRIL 15, 2006 ADDITIONAL INFORMATION:Self-MotivatedWork with IntegrityDeadline Oriented with Attention to DetailEmbrace GrowthWillingness to help OthersFocus on the SolutionCandidate's Name PHONE NUMBER AVAILABLE / PHONE NUMBER AVAILABLEEMAIL AVAILABLE34 |
