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Mortgage Underwriting, Quality Control, Compliance Resume
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| Desired Industry: Banking/Mortgage |
SpiderID: 20530 |
| Desired Job Location: Boston, Massachusetts |
Date Posted: 4/4/2008 |
| Type of Position: Contractor |
Availability Date: 5/1/08 |
| Desired Wage: 50-60K |
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U.S. Work Authorization: Yes |
| Job Level: Experienced with over 2 years experience |
Willing to Travel: Yes, Less Than 25% |
| Highest Degree Attained: Bachelors |
Willing to Relocate: No |
Objective:
I am looking for mortgage underwriting, quality
control or compliance positions. Either contract or
permanent.
Experience:
Lisa Gillis
10 Sargent Street
Beverly, MA 01915
(978) 927-0451
Mortgage Underwriter/Processor and Bank
Consultant Self Employed
June 2001 to
Present
Assignments include Mortgage underwriting and
processing utilizing Loan Prospector and Desktop
Underwriter as well as manual underwriting to
investor guidelines. Ensure all loan documentation
meets investor guidelines prior to submission to
investor. Provide continuous status of loan files to
clients and brokers. Also perform Loan Analysis
(Quality Control), Post Closing Reviews and
Compliance reviews for various clients. Loan
analysis includes review of the underwriting
process to ensure compliance with investor
guidelines and compliance audits to ensure
adherence to state and federal guidelines.
Compliance reviews consist of auditing regulatory
compliance areas and creating reporting for
identifying and correcting errors. Also developed
policy and procedure for various compliance
regulations as well as operational procedures for
originators, processors, underwriting and closing
department. Clients include North Shore Bank,
Ipswich Bank, Healy and Healy CPA;s, Bankers
Advisory, Assurance Mortgage (now H&R Block)
United Guaranty and Salem Five Mortgage
Company.
Contract Mortgage Underwriter/Processor
GECaptial/CMAC
January 1998 to May
2001
Evaluate loan files to investor guidelines to ensure
loan salability. Perform analysis of income, assets,
liabilities, credit and property value for residential
mortgage loans at various on site locations.
Communicate loans decision to brokers, retail
clients or internet application customers and detail
all conditions subject to review prior to the closing
of the loan. Re-evaluate files after missing
documentation and conditions are received to
ensure completeness and issue final approval.
Utilize Desktop Underwriter and Loan Prospector
automated underwriting systems as well as
traditional underwriting. On site clients include;
DMR Financial, Flagstar Bank, Mortgage Financial,
Assurance Mortgage and Old Kent Mortgage.
Internal Auditor/Compliance Officer
Boston Private Bank and Trust
May 1997 to
January 1998
Responsible for monitoring the adequacy and
effectiveness of internal controls, administering the
internal compliance program, evaluating the
company’s risk management activities and assisting
in Commercial Loan Review. Also responsible for
preparing written audit reports for presentation to
the Audit and Risk Management Committee.
Coordinated all regulatory examinations with the
FDIC and Federal Reserve and chaired the
Compliance Committee.
Quality Control Auditor/Auditor
Contract Assignments
March 1994 to
May 1997
Performed mortgage loan analysis and various
internal audit projects as an independent contractor
for Chaston Associates and Spillane Consulting.
Loan analysis included reviews of the underwriting
process to ensure compliance with investor
guidelines and compliance audits to ensure the
client is adhering to all state and federal
regulations. Internal Audit projects include
examining the client’s internal control structure,
developing policy and procedure and risk
management analysis. Clients include The National
Bank of Greece, Raytheon Federal Credit Union and
the former BayBank.
Senior Auditor
RECOLL Management
December 1991
to March 1994
Responsibilities include supervision of staff auditors
in conducting examinations of lending, finance, and
operational functions of RECOLL Management as
well as financial and market analysis of Real Estate
Owned properties such as hotels, office and retail
buildings. Obtained experience in all aspects of
conducting audits including loan review, internal
control and risk analysis, financial statement review
and report writing.
Internal Auditor/ Compliance Officer
First Federal Savings Bank of Boston
February 1990
to December 1991
Responsible for audit coverage of First Federal
Savings bank and it’s subsidiary First Eastern
Mortgage Corp. Designed and implemented an
internal audit plan and audit programs for financial
and compliance audits for the bank and mortgage
Corp. Managed the Quality Control Program which
reviews loans for compliance with underwriting and
regulatory guidelines. Established and coordinated
compliance training programs for consumer lending
regulations.
Education BA
Framingham State College
Concentration
in Finance
References furnished upon request.
Education:
BA Economics Framingham State College
Concentration in Finance
Reference:
Available on Request
Candidate Contact Information:
This candidate has chosen not to make contact information available on this page.
Click "Contact Candidate" to send this candidate a response. |
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