Experience

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  Huntington national bank

  May 2003 - Oct 2005

  Head vault teller & customer service representative

  Graduated college- Performed regular audits balancing drawers and vault- Assisted patrons with personal banking tasks- Served as Community Committee Administrative Assistant- Completed and audited customer profiles

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  Provident funding associates

  Aug 2006 - Mar 2007

  Mortgage underwriter

  - Underwrote mortgages through specified mortgage engines- Proficient in reviewing mortgage appraisals- Implemented underwriting engine check list to ensure quality- Oversaw and trained broker approval and training

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  Private capital mortgage group

  Mar 2007 - Dec 2007

  Processor/loan officer

  Reduction in Force- Established customer relationships- Submitted borrowers’ applications through lender specified programs- Ensured loan documents were accurate prior to submitting for underwriting- Pre-underwrote files based on experience prior to submitting to ensure clean fast closings

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  Baldwin finance, inc

  Mar 2008 - Aug 2008

  Processor/loan officer

  Reduction in Force/Company Closure- Assisted with the start up of Baldwin Finance- Created and Implemented “Home Ownership 101” Power Point training- Ensured loan documents were accurate prior to submitting for underwriting- Pre-underwrote files based on experience prior to submitting to ensure clean fast closings

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  Aurora loan services

  Oct 2008 - Sept 2011

  Special project lead & foreclosure specialist

  - Managed up to 15 associate for a special project required by the Department of Justice- Produced WebEx trainings for attorney performance with OCC compliance regulations- Monitored state specific foreclosure fees and advised management in budgeting/managing fees- Provided in depth training for foreclosure process, utilized with groups of new hires- Actively audited foreclosure files to ensure federal and state compliance

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  Clayton

  Sept 2011 - Apr 2012

  Senior mortgage examiner and developer of reconciliation team

  - Implemented and trained Reconciliation Team increasing efficiency by 20%- Ensured anomalies were tracked and reported- Developed Excel Spreadsheet and Mail Merges to enhance quality of work- Mentored associates with group and one on one training- Worked with project leads on providing stronger Quality Assurance scores

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  Specialized loan servicing

  Apr 2012 - Mar 2013

  Foreclosure supervisor/timeline management

  Reduction in Force- Supervisor for the following: Foreclosure, State Compliance/Process Improvement, Investor Specific, Stop/ Hold/Proceed, and National Servicing Standards - Managed up to 12 associates at one time- Implemented process improvements to increase audit scores from 40% to 90%- Developed critical support team and communication between two departments - Created, developed, and implemented training for groups and one on one- Oversaw federal and state legislative changes that will/have affect foreclosures- Created and implemented special teams to decrease department loss and potential harm to borrower- Enacted Federal, State, and Investor foreclosure standards for the department- Held one on one development plans focusing on company and employee growth Show less

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  Urs

  Dec 2013 - Jun 2014

  Strategic workforce report analyst

  Reduction in Force- Created, developed, and tested interactive reports within Tableau Software- Responsible for Financial and Quarterly Reports utilized by Human Resources- Assisted with Knowledge Transfer interviews- Performed ad hoc requests- Writing detailed report instructions

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  Stewart lender services

  Jun 2014 - Oct 2014

  Senior compliance mortgage analyst

  Contract ended- Repeatedly asked back for multiple projects due to high quality scores and production - Moved to senior position after three days of 95-100% Quality Assurance scores on Sierra Project- Performed audit reviews on RESPA 2010 and Pre 2010 RESPA- Evaluated loans to ensure closing documents are compliant- Managed multiple client systems in conjunction with employers system- Provided detailed training notes and tips to enhance analyst reviews- Delivered detailed analyst anomalies in order to produce more accurate files- Audited servicer notes and documents to provide current status of loan Show less

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  W.j. bradley mortgage capital, llc

  Oct 2014 - Jan 2015

  Internal auditor

  Reduction in Force/Company Closure- Planned and execute internal audits of company processes, specifically in Production and Servicing- Executed audit process documentation including process flows, narratives, and risk and control summaries- Presented presentations to Directors, President, Vice President, and CEO- Performed audit procedures including reviewing transactions, documents, records, reports, and policies and procedures to evaluate effectiveness of internal controls throughout the organization including Corporate services, mortgage operations, and branch offices- Provided information for the communication of audit findings and recommendations to the Internal Audit Committee (IAC), process management and executive management team- Ensured all audit records and documentation are accurate and in compliance with applicable government and state regulations, mortgage industry regulations, and internal audit standards- Created and developed as a two person team, HUD Chapter 6 and 7 Narratives to provide company direction, compliance, and identified risks- Developed Excel spreadsheets to track audit compliance Show less

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  Bank of america (contract through urban lending solutions)

  Mar 2015 - Jul 2015

  Cfpb underwriter i

  Contract ended- Reviewed and analyzed loan applicants' credit histories, financial statements, and other financial information to make quality decisions on loans- Interpreted and analyzed complex tax returns and financial documents- Demonstrated ability to comprehend program changes and new program guidelines; Implemented new changes in daily production immediately with minimal error rate- Interpreted investor guidelines and utilize system expertise to maintain a QC passing rate of greater than 90%- Provided superior customer service to both internal and external customers Show less

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  Stewart lender services

  Jul 2015 - Mar 2017

  Origination quality control compliance analyst

  Bought out by American Mortgage Consultants- Ensured loan quality on originated mortgages per investor and federal regulations- Reviewed TRID files and provided investor feedback on anomalies - Top performer in production and quality- Advised on process improvement suggestions for investors and programs- Assisted with multiple special projects per investor requests- Reviewed analyst files to ensure quality- Provided detailed feedback on loan reviews to enhance quality of production- Ability to change job duties multiple times throughout the day per the needs of the investors Show less

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  American mortgage consultants, inc.

  Mar 2017 - Feb 2018

  Underwriting compliance analyst

  Relocated to Tenneessee- Audited and cite/condition seasoned loan files for industry, state, and federal regulations- Managed loan production and ensure quality control- Above average quality control scores on reviewed files- Assisted departments to increase production and quality- Reviewed title files and find discrepancies for current loans

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  Miller tanner associates

  Apr 2018 - Aug 2018

  Transparency operations manager

  Reduction in Force- Monitored and managed compliance such as publishing of transparency reports per event per attendee and adhere to other contractual terms and conditions- Acted as the main point of contact within MTA for information and issue resolution for internal and external inquiries regarding transparency and / or compliance- Ensured MTA is up to date with the latest developments in transparency reporting and provide accountability in communicating these developments with the internal team- Provided operational coordination and support of employees on all aspects of the transparency processed- Lead employees by orientating, coaching, counseling and training employees through planning, monitoring and appraisal of job results Show less

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  Sompo international

  Sept 2018 - Nov 2020

  Underwriting assistant

  - Streamlined underwriting workflows, achieving an 18% improvement in operational productivity- Introduced advanced tracking systems, decreasing reporting inaccuracies by 30%- Managed account setup and maintenance processes with 100% accuracy, ensuring operational continuity- Subject Matter Expert for TX Railroad bonds for P-5 and CF1 organizations and Direct Collect bonds- Experienced with Contact, Subdivision, License and Permit, Oil Wells, Customs, and Carnet bonds- Scrubbed risk bonds in collections, works with multiple departments to gain updated information or close out bond to reflect the correct debts owed- Broadened Direct Collect process by identifying new process and efficiency improvements by working with multiple departments- Produced detailed directions and spreadsheets to monitor the TX Railroad Bonds and provide detailed training to co-workers and agencies- Established strong relationships with obligee offices to prevent claims- Audited personal accounts to ensure accuracy- Developed efficient pivot tables for liability reports utilized by underwriters and departments- Managed and developed management reports associated with new system integrations - Performed new account set up and billings, renewals, continuation certificates, releasing bonds and issuing premium adjustments, signing authorities for four sureties- Enhanced policies and procedures relating to the Direct Collect process to ensure due diligence with state statute of limitations- Created professional relationship with agencies and principals which has in turn increased new accounts- Identified and assists with implementing new controls to ensure risk is properly reviewed- Researched and performs detailed reviews on difficult bonds that need further research - Reconciled bond premiums that reflect multiple change orders- Developed multiple tracking reports to enhance pipeline of bonds Show less

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  Promontory mortgagepath llc

  Nov 2020 - Aug 2021

  Business risk & controls auditor

  - Designed a three-tier HMDA audit system, improving data accuracy by 63% and ensuring compliance - Performed comprehensive risk analyses and implemented strategies, reducing operational vulnerabilities by 25%- Prepared and presented compliance reports, securing a 95% approval rate from senior stakeholders- Closed compliance gaps, achieving full adherence to federal regulations- Ensured existing and emerging risks associated with business activities are effectively identified, measured, monitored and controlled- Followed written risk and compliance policies and procedures for business activities- Recommended solutions for stronger controls and in support of risk and/or regulatory compliance related initiatives which may include oversight of procedures/process, accurate reporting, document governance, risk control self-assessments, procedure governance, control design or quality governance.- Responsible for risk data analysis, report preparation and trend analysis, utilizing business intelligence tools- Leveraged multiple data sources to drive process, risk, control testing plan. - Anticipated business needs and proactively identifies opportunities to improve and strengthen the control environment through actionable insights- Assisted with translating process and control deficiencies into action plans and provided recommendations to enhance governance practices in alignment with risk and compliance frameworks- Partnered with stakeholders to drive improvement efforts to correct or prevent unfavorable trends and assessed the impacts; to plan and execute effective and timely risk remediation- Identified critical areas to monitor, defines effective control tests and escalates issues and findings to appropriate stakeholders- Developed and maintained processes, procedures and tools for managing exceptions as they occur, including monitoring of resulting exception cases Show less

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  Miac - mortgage industry advisory corporation

  Sept 2021 - Feb 2022

  Due diligence residential compliance loan underwriter

  - Conducted in-depth audits, ensuring 100% compliance with federal and industry regulations- Created targeted training materials to enhance team accuracy, elevating quality metrics by 15%- Addressed compliance challenges with a 90% success rate, meeting stringent deadlines- Prioritized competing tasks effectively, delivering projects on time and with high quality- Compiled detailed executive files, offering data-driven insights for strategic planning.- Audited compliance portfolio packages for Due Diligence Group data- Developed training guide for personal use, increasing quality and efficiency- Provided assistance on multiple projects within one day- Able to multi-task and mentally remember information for file reviews- Completed loan review and data entry within company standard times- Identified one off's and provide additional information for QC review- Received constructive feedback to enhance data entry Show less

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  Cenlar fsb

  Feb 2022 - Aug 2024

  Staff internal auditor

  - Enhanced audit processes by redesigning flowcharts, improving accuracy by 20%, and optimizing review time- Established robust internal control systems, achieving 98% compliance with regulatory standards- Investigated and resolved financial discrepancies, safeguarding $1M in assets and enhancing transparency- Designed and delivered training programs, improving team efficiency and performance metrics by 30% - Optimized communication protocols, fostering interdepartmental collaboration and boosting operational output - Identified risk and controls for all Business Units within the company- Developed process flow charts identifying controls and risks- Created and manages department "Go To" guide with helpful acronyms, business terms, definitions, helpful program tricks- Part of the Training and Team Building Team within IA implementing new ideas and team spirit- Tested data looking for anomalies to help enhance the quality of the Business Unit- Provided support for team with assisting with additional testing and brainstorming ideas/processes- Established relationships with Business Units and Process Owners- Performed follow-up on audit/validation items- Thinks "outside the box" in reviewing and producing audit testing- Posed outside the box thinking when reviewing data for review and collaborating with the team to provide additional views and support- Identified test findings and provides detailed information with support Show less

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  Self employed

  Aug 2024 - now

  Project manager

  - Directed consulting projects to streamline workflows, achieving a 20% improvement in operational efficiency- Developed and oversaw comprehensive project roadmaps, ensuring 95% on-time completion of deliverables within scope- Evaluated client objectives and implemented tailored strategies, increasing satisfaction scores by 15%- Conducted team workshops to enhance collaboration and boost productivity by 25%- Analyzed key metrics and provided actionable recommendations, driving informed decision-making Show less