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Click here or scroll down to respond to this candidateCandidate's Name
Jacksonville, FL PHONE NUMBER AVAILABLE EMAIL AVAILABLEDriven-Customer Services Leader with 24+ years of experience in the Mortgage Industry, Loan Validation, and Risk Management. Ability to assess customer needs, identify lending opportunities, to include regulatory compliance requirements that drives banking operations to support business growth. CORE COMPETENCIESAuditing Risk Management Client Operations Astute in FHA, VA, Conventional Compliance Financial and Loan Processing Expert Management Data Analysis Fact-Checker Underwriting Acumen Technology (Systems): Micro Soft Suite, Empower Underwriting System, Automated Underwriting System, Nexus, Tableau, Workday, Fraud Alert, Innovoice, Loan Beam, Edge, Pinnacle PROFESSIONAL EXPERIENCEPNC Mortgage JR. Underwriting Analyst Jacksonville, FL 06/2018- PresentAnalyze loan applications by defining financial risks, credit analysis, and asset documentation.Verified and assessed borrowers documentation submitted were valid, concise through fact-checking and Form 1003 was signed by all parties.Audited and cleared discrepancies correlating to Title policies.Calculated assets to ensure funds are sufficient to close and loan to debt income ratio are following statutory and regulatory guidelines.Identified key issues and mitigating factors that may impact the credit assessment.Performs routine case audits to ensure data integrity and regulatory compliance standards are met.Ensures application is complete, accurate and in compliance with bank policies before preparing underwriting summaries.Bank of America Post Closer/Analyst Jacksonville, FL 03/2009-06/2018Organize and direct the daily activity in post-closing, including but not limited to:Pre-closing, pre-funding, and post-closing audit functions for the mortgage departmentTimely receipt of closing packages & follow up on aged closing packagesWelcome, Transfer/Goodbye and PMI completionEnsure that all investor Post-Purchase requests are completed in a timely manner Bank of America Fraud Analyst Jacksonville, FL 05/ 2008-03/2009Testing existing customer facing capabilities (credit/debit/atm transactions, deposit activity, online activities) for unknown vulnerabilities open to potential fraudulent exploitation which lead to large unplanned loss events.Assist our core Fraud Strategy partners with development of new tactics by conducting/faciliating controlled tests/simulations within the productionenvironmentPerform assessments on new bank initiatives and external emerging banking capabilities that impact our customers.Participate in triage activities related to Executive Escalations & Incident Response activities related to fraud matte.Provide consultation with respect to designing strategic fraud controls.Experience with more than one product area within Financial Services (Credit, Deposit, and Digital)Proven track record of building and deploying analytical solutions that have resulted in material financial results.Intermediate proficiency in SAS and SQLJ.P. Morgan Chase Funding Review Analyst/Research Jacksonville, FL 09/2005-05/2008Maintained compliance with mortgage insurance programs developed by the Federal Housing Administration (FHA) while working with senior management.Analyzed loan applications, and debt to income ratio determining the risk and advised upper management based on findings, while working with lenders.Audited loan submission packets against underwriting system (AUS), by verifying what was submitted and what was annotated in the system.Implemented a tracking system to track loans.Countrywide Home Loans Loan Processor Jacksonville, FL 06/2000-09/2005Identified agency standards in developing data sets through validating loan submissions relating to mortgage servicing of mortgage loans for lenders by ordering appraisals, flood, and title etc.Performed financial assessments and determined eligibility.Efficiently processed over 1000 FHA, VA and Conventional mortgage loans and home equity lines from origination to closing.Analyzed credit reports during the mortgage loan process, and communicated with the appraiser, title officer, escrow officer, and underwriter ensuring requirements of the contract are met in order to close and fund the loan in a timely manner.Verified and processed loan applications to ensure accuracy and completeness.Coordinated with borrowers to obtain necessary documentation and resolve any discrepancies. EDUCATIONTraining-Mortgage Principles for FHA, Conventional and VA Loans, Mortgage Loan Originating, Privacy Laws, Loan Processing and underwriting, FHA policies, Truth in Lending Act The State of Florida: Notary Public for the State of Florida - Commission Expires: May 11, 2027 References available upon request. |
