Paul LeHenry

Experience

• 

  Pacific Coast Lending

  Sept 1997 - Jul 2000

  Senior Loan Processor

  •Processed first and second Trust Deeds and home equity loans from application through funding •Performed initial underwriting to pre-qualify borrowers according to program-specific guidelines, calculated debt-to-income ratios and loan-to-value/combined loan-to-value ratios for large, unusual or complex loan requests within company and industry guidelines •Analyzed and interpreted appraisals, preliminary title reports, credit reports, tax returns, employment verifications, income documentation, and assets•Verified computer input of loan data and determined loan approval•Prepared and submitted loan packages to lenders applying appropriate FNMA/FHLMC or portfolio lender guidelines•Charged with obtaining and clearing underwriting conditions and communicating with clients, loan agents, and lenders•Ordered loan documents and followed-up on timely signing and closing with escrow•Funded approximately 15 conventional/jumbo loans monthly, maintained pipeline of 35 loans, and supported six Loan Officers •Locked interest rates to meet client needs •Trained and coached junior staff and new loan processors Mostrar menos

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  The Yankee Candle Company, Inc.

  Jul 1999 - Nov 2002

  Assistant Manager

  •Started as Part-Time Seasonal Sales Associate and promoted to Assistant Store Manager within 2 years.•Provided high-level customer service and assisted customers with special requests •Supervised all activities of a diversified retail sales operation (including: facility, safety, and security) •Managed and motivated 10 sales associates; hired, orientated, trained new employees; conducted performance reviews•Oversaw payroll, employee scheduling, reporting, administrative issues, and inventory•Co-managed the setup of two new district stores Mostrar menos

• 

  Integrity Mortgage of America

  Nov 2002 - Jan 2009

  Senior Loan Processor

  •Processed first and second Trust Deeds and home equity loans from application through funding •Performed initial underwriting to pre-qualify borrowers according to program-specific guidelines, calculated debt-to-income ratios and loan-to-value/combined loan-to-value ratios for large, unusual or complex loan requests within company and industry guidelines •Analyzed and interpreted appraisals, preliminary title reports, credit reports, tax returns, employment verifications, income documentation, and assets•Verified computer input of loan data and determined loan approval•Prepared and submitted loan packages to lenders applying appropriate FNMA/FHLMC or portfolio lender guidelines•Charged with obtaining and clearing underwriting conditions and communicating with clients, loan agents, and lenders•Ordered loan documents and followed-up on timely signing and closing with escrow•Monitored flow of loan pipeline and company projects for timeliness. Developed step-by-step training process for gathering and reviewing credit reports, tax returns, employment, and deposits •Trained and coached junior staff and new loan processors Mostrar menos

• 

  Bank of America

  Jan 2011 - Feb 2014

  •Successfully completed testing process and acquired Conventional Underwriting Approver Level 2 signing authority •Process first Trust Deeds and home equity loans from application through funding •Clear conditions of loan approval, including customer income/assets documentation•Resolve title issues, including vesting issues; child support, judgment, mechanic, undisclosed liens reconveyances. •Process subordinations and resolve appraisal conditions•Provide high-level of customer service by being proactive in communication with customers and sales partners Mostrar menos •Perform complex audits of foreclosed loans to determine errors made during the foreclosure process. •Evaluate default mortgage servicing loans during the Claim Review process to determine if required loss mitigation activities were handled and documented in accordance with HAMP and other programs•Ensure that required processes were followed, system notations were completed, and borrower communications were performed according to procedures •Provide recommendations based on discovered errors, misrepresentations, and other deficiencies resulting in financial harm to borrower Mostrar menos •Assist correspondent lending clients with underwriting guidelines including conforming, FHA/VA•Manage condominium scenarios/inquiries and maintain established timelines•Responsible for incoming requests pertaining to loan status and condition clarification•Evaluate risk-based scenarios while adhering to corporate guidelines and regulations•Responsible for researching and recommending solutions to any issues that may arise•Assist with complex issues, special projects, escalated calls, highly detailed processes, and in-depth customer conversations Mostrar menos

  • Home Services Specialist II

    Feb 2013 - Feb 2014

  • Foreclosure Specialist II

    Oct 2011 - Feb 2013

  • Inbound Senior Specialist III

    Jan 2011 - Oct 2011
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  AmeriHome Mortgage Company, LLC

  Feb 2014 - now

  •Responsible for validating and handling Reg B, Reg Z, FCRA, RESPA and HOEPA compliance audits of closed loans. •Manage individual pipeline on a daily basis by completing sufficient compliance reviews within defined turn times•Run compliance testing engines (Mavent or Compliance Ease) and interpret results•Add appropriate compliance stipulations and satisfy once received •Ensure TRID processes and guidelines are being met•Responsible for validating Correspondent Lenders compliance reviews match with the loan documents•Audit the Closing Disclosure fees information entered in the system for accuracy of APR vs. non-APR•Played a key role in the customization, implementation and testing of the Encompass system for Correspondent Lending use.•Developed written procedures for Compliance operations •Train and coach new Associates•Assist other Department personnel in interpreting Compliance Review process and procedures Mostrar menos •Responsible for the operational management of correspondent client relationships, providing quality service by maintaining client accounts (pipeline management), including conditions clearing and funding functions•Manage pipeline of up to 15 clients with average total volume of $54 to $85 million•Review documentation, clear approximately 20 conditions per day and create conditions as needed•Responsible for all funding and cancellation processes, and training new department associates•Communicate with clients on a regular basis •Run daily reporting•Escalate loan level issues and follow up with Underwriting and Compliance as needed. Mostrar menos

  • Compliance Analyst

    Jul 2015 - now

  • Operations Account Representative

    Feb 2014 - Jul 2015