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compliance auditor resume example with 12+ years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
  • :
Career Focus

Driven and qualified professional who adds experience and value to an organizations quest for excellence, with the ability to develop and implement innovative solutions.

Professional Experience
Compliance Auditor, 08/2016 to 01/2017
BertelsmannEmeryville, CA,
  •  Analyze compliance of individual loans with the Truth in Lending Act through the use of compliance tools such as Compliance Ease and LOS.
  • Suspend and clear TILA related conditions on a loan by loan basis
  • Communicate with correspondent lenders to resolve loan level suspensions
  • Track, log progress and provide management with production reports on a daily basis
  • Reviewed warranty deeds on each loan to assure proper procedures were met.
  • Validate loan application, disclosures, credit, liabilities, income, asset documentation, purchase contract, title, appraisal, and AUS findings.
  • Reviewed and investigated Red Flags, alleged misrepresentation, alleged fraudulent findings, signature irregularities, missing or incomplete documentation which potentially affects the loan process.
  • Reviewed Title Commitments to confirm the terms, conditions and exclusions that would be borrowers insurance policy.
  • Ensured that risks and or problems are clearly documented.
  • Uploaded fees and Lender credits from Loan Estimates and Closing Disclosures to TRID calculator, to see if loans were eligible for purchase.
  • Input Mortgage Insurance data based on customers LTV.
Impounds Representative, 03/2015 to 08/2016
Fidelity National Information ServicesAddison, TX,
  •  Assisted the Reinstatement team performing general functions and assisting with administrative and clerical work to facilitate timely redemptions.
  • Was responsible for taking incoming calls from vendors as well as placing outbound follow up calls to vendors to verify paperwork.
  • Placed outgoing calls to Insurance Companies to verify coverage for customers.
  • Managed portfolio of over 75 accounts
Digital Sales Executive, 03/2014 to 03/2015
Oklahoma Employees Credit UnionOklahoma City, OK,
  • Research and cultivate leads for potential advertising partners.
  • Make a high volume of sales calls to business owners.
  • Use consultative sales skills to assess advertiser goals and educate owners on the power of YP.
  • Help customers make proper business changes to expand business with more than 100% return on investment.
Loan Processor, 10/2012 to 08/2013
Paramount Equity MortgageDallas, TX,
  • Responsible for helping borrowers determine if they qualified for loans based on their financial circumstance.
  • Performed initial review of home loan applications for completeness of file.
  • Verified credit standings of applicants through background researches.
  • Identified customers needs and explain loan requirements and processes.
  • Ensured loan applications were complete and accurate.
  • Educated customers on FHA and Conventional loan requirements.
Loss Mitigation Specialist (Prospecting/Closing), 10/2011 to 10/2012
Homeward ResidentialCity, STATE,
  • Analyze broker's price opinions and appraisals.
  • Determine the list price on properties based upon market conditions.
  • Obtain HAFA documents and determine if borrower meets qualified standards based on investor guidelines.
  • Review real estate owned properties, and compare listings based on interior bpo values and appraisals Respond to requests from Mortgage Insurance Companies, title companies, attorneys to assure proper requirements and procedures are being conducted.
  • Coordinate services that are needed to repair property, and assure proper maintenance is completed on property.
  • Generate approval letters and manage proper closing time line for loans.
  • Negotiate offers with real estate agents by compiling market analysis data.
  • Execute closing documents and review deed of trust.
  • Contact foreclosure attorneys to postpone sale dates and appoint court hearings.
Loss Mitigation (Prospecting/Closing), 10/2007 to 08/2011
Litton Loan ServicingCity, STATE,
  • Managed over 200 delinquent and non- delinquent mortgage loans through system database.
  • Loans managed included short sales, settlements, deed in lieu, and HAFA short sales.
  • Negotiate short sales, settlement and Deed in Lieu terms with brokers, sellers, buyers and their title companies while pre approving Tradition/HAFA short sales.
  • Qualify homeowners and negotiate specific terms of Fannie Mae and FHA short sale files per the state and government guidelines.
  • Gathered, verified, extensively examined and corrected necessary documents needed to complete the short sale transaction.
  • Ordered and evaluated appraisals and BPO's to determine and obtain an acceptable offer to proceed with the sell.
  • Spoke with homeowners and explained their many options prior to foreclosure.
  • Diagnosed opportunities for quality/quantity improvement and contributed and helped implement several solutions.
  • Created and updated a data base system to help track and organize our day to day process.
Mortgage Loan Analyst, 2004 to 09/2007
Countrywide Home LoansCity, STATE,
  •  Reviewed loans to assure credit risks wasn't involved with loan process.
  •  Processed loans in delinquent status, while obtaining and compiling proper documents to determine the best possible outcome for the company and the borrower.
  • Ordered required credit reports, appraisals and other needed documentation to complete loans.
  • Worked with title companies, loan officers, escrow companies to obtain documents to submit loans that were in closing process of short-sales.
  • Reviewed bank statements, tax return, and pay stubs to determine best outcome for borrowers financial situation.
  • Evaluated debt to income ratio and special risk loans.
  • Performed all processing and pre-closing tasks required to successfully take loan files from application to submission.
  • Issued proper disclosures as required by federal regulatory compliance and policies.
Education
: Accounting and Business Management, Expected in to Richland Community College - Dallas, TX.
GPA:
Additional Information
  •  Knowledge of Lenstar, Fortracs, LPS, and Black Knight databases

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Resume Overview

School Attended

  • Richland Community College

Job Titles Held:

  • Compliance Auditor
  • Impounds Representative
  • Digital Sales Executive
  • Loan Processor
  • Loss Mitigation Specialist (Prospecting/Closing)
  • Loss Mitigation (Prospecting/Closing)
  • Mortgage Loan Analyst

Degrees

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