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Mortgage Underwriter or Quality Control Analyst Resume
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| Desired Industry: Banking/Mortgage |
SpiderID: 28472 |
| Desired Job Location: Philadelphia, Pennsylvania |
Date Posted: 8/30/2009 |
| Type of Position: Full-Time Permanent |
Availability Date: Immediately |
| Desired Wage: $60,000 |
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U.S. Work Authorization: Yes |
| Job Level: Experienced with over 2 years experience |
Willing to Travel: Yes, 25-50% |
| Highest Degree Attained: Bachelors |
Willing to Relocate: Yes |
Objective:
OBJECTIVE: To obtain a Quality Control Analyst position where my years of analyzing Fraud, Quality Control, Loss Mitigation, Underwriting and Risk Analyst skills will contribute to the success of the team and the company objectives.
Experience:
PROFILE: Strong knowledge of all aspects of Quality Control/Fraud Investigations in the Mortgage Industry. Strong communication skills, both written and verbal. Public speaking experience. Experience in dealing with agency audits. System development as it relates to Quality Assurance issues from the initial review to final recommendation. Comprehensive knowledge of all agency guidelines including FNMA, FHLMC, FHA and VA. Extensive experience with all aspects of Legal, Servicing and Compliance requirements as it relates to First and Second Lien Mortgage financing
Education:
Bachelor's of Science- Psychology San Diego State University.
Skills:
EMPLOYMENT OVERVIEW
Regional Underwriter/ QCard
GMAC BANK, Fort Washington PA June 2007 May 2009
Review of the underwriting of Conventional conforming and Government loans for completeness and compliance with company and agency guidelines.
Customer Service and Loan Quality was my top priority. Responded effectively to customers (internal and external) and actively participated in discussions to help the department run more efficiently.
Reviewed, analyzed and made final determination on loan submissions when elevated from the vendors.
Worked with clients and team members (Underwriters,, Table Funding, Correspondent Team Leaders, and Account Executives) to identify potential solutions/alternatives for difficult loan situations.
Participated in the orientation of new personnel to ensure consistency.
Reviewed and maintained guidelines to stay up-to-date with all requirements.
Proficient use of an automated underwriting system to augment the risk analysis process, which required acceptance and understanding of artificial intelligence technology.
Directly involved in the correction of Delivery Violations on specific files.
Reviewed audit files for Quality/Funding issues and Watch List customers, to determine compliance and acceptance of loan.
Ensured adherence to all Customer service level agreements including but not limited to the timely return of emails, phone calls and preparation of client meetings to discuss new company guidelines and assisted with the rating of loans to ensure salability to the agencies.
Quality Control Manager
GMAC Mortgage, Fort Washington PA April 2004-June 2007
Ensured timely and accurate recovery of corporate advances made throughout the default process specific to FHA, VA and Conforming loans.
Created QC tracking system for all loan files to record all default reviews, produced reports for management, vendors and staff. System is still used today.
Provide feedback to internal and external groups to help prevent controllable losses from occurring; escalated appropriately.
Identified, recognized and assisted in developing staff capabilities; delivered training as needed.
Monitored, measured and provided feedback on staff performance
Monitored, measured and provided feedback to vendors on their operations and/or staff.
Wrote and published Quality Control Policies and Procedures Manual.
Pre-funding/Post-Funding Quality Control Specialist
Timely and accurate review of loan files both pre and post fund for company guideline violations as well as agency violations and write reviews to be forwarded to management.
Prepared training meetings for staff and managers regarding all new and proposed Loss mitigation policies.
Reduced risk to the corporation by validating data on the documents against the system prior to closing/funding, validated the required RESPA documents, validated the required investor/product documents in order to reduce downstream deficiencies.
Obtained all loan files, audits, and corrected all documentation required for compliance with internal and external loan requirements.
Extensive Collateral reviews.
Loss Mitigation Manager
GMAC Mortgage, Keith Valley PA July 1999-April 2002
Responsible for servicing mortgage accounts to ensure the foreclosures were processed in compliance with all state and federal laws while maintaining compliance with Investor, Insurer, Agency and company guidelines.
Requested and reviewed all updated documentation from Investors, Insurers, and Agencies to ensure compliance.
Managed foreclosure proceedings on assigned cases by interacting and instructing various parties such as mortgagors, attorneys, investors, insurers, Realtors, appraisers and any other party involved with the foreclosure.
Monitored the attorneys performance by reviewing all proceedings, records and timeframes in addition to working all system/database activities throughout the foreclosure process.
Requested follow up and reviewed in detail all appraisals and BPOs for accuracy to determine the value of the property for the foreclosure sale, calculation of loss analysis, establishment of deficiency judgments, payments of advances, and/or recovery situations.
Upon request, provided the attorney with accurate foreclosure figures, including reinstatement, payoff, and assumption figures which will be provided to external parties by the attorney. In addition, provide the attorney with accurately executed documents as requested.
Completed analysis of potential loss/litigation and provided formal recommendations to management to reduce foreclosure expenses and mitigate losses.
Other Experience
Bankruptcy, Foreclosure and REO specialist
Loan Officer
All Aspects of Loss Mitigation, Mortgage Fraud, and Loss Recovery.
Systems: Proficient in the following
Microsoft Office
Adobe Acrobat
Publisher
Small Office applications
Loss Mitigation Systems:
LEXIS NEXIS
Core Logic (Flipping tool)
Rapid Reporting (SS Verification tool
REALQUEST (AVM tool)
Digital RISK (4506-T)
DYSSCO
Candidate Contact Information:
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