file reviewer resume example with 9+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105609 Johnson Ave., 49204, Tulsa, OK Home: (555) 432-1000 - Cell: - resumesample@example.com - : - -
Summary
Financial & Mortgage Banking Professional with experience including but not limited to: Originations/ Loss Mitigation and Forensic Underwriting, AML, and various mortgage collateral document and servicing due diligence reviews.
Acknowledged for success in being a dependable performer recognized for solid methodical time management and analysis skills. Heightened accountability, collaboration, and continuous internal process improvement are also abilities mastered among peers and clientèle.
Highlights
Analytical
Detail-oriented
Decisive
Underwriting
Due Diligence
Loss Mitigation
Bank reconciliations
User acceptance testing
Accomplishments
Underwriting
Excellent grasp of mortgage terminology, title work, appraisal review, debt to income analysis, credit review, income documentation review and underwriting procedures.
Due Diligence
Conducted detailed technical and analytical review of federal/state housing laws. Also, comprehensive investigation of individuals to mitigate financial crime, corruption and other risks.
Auditing
Extensive experience with Consumer Financial Protection Bureau (CFPB) and Unfair, deceptive, or abusive acts or practices (UDAAP) of misconduct that impact fair consumer outcomes.
Experience
03/2017 to
File ReviewerBerkshire Hathaway Homeservices – Encino, CA,
Researched claims against mortgage loan files to confirm that deal was instep with guidelines at the time of closing.
Compiled data into draft for the next layer of review to formulate responses to declarations.
Categorized origination mortgage collateral, waiver, and disclosure documents from securitization and post-securitization documents.
Tracked, analyzed and interpreted trends in file stacking order.
07/2016 to 10/2016
File ReviewerBerkshire Hathaway Homeservices – Laguna Beach, CA,
Validated that closed mortgage loans adhered to standards and procedures set forth by the governing guidelines in place at the time the subject transaction occurred.
Wrote detailed summations of all findings, including but not limited to outlined assertions by Claimant.
01/2016 to 07/2016
QC/Loss Mitigation AnalystHcsc – Roswell, NM,
Deep loan level review
Document validation
Entered audits into department QA database
07/2015 to 11/2015
Forensic UnderwriterAmplifi Loyalty Solutions – Naperville, IL,
Reviewed mortgage loan file for misrepresentations, defects, and red flags to construct defensive rebuttals to Claimant's cited issue(s).
Re-verification of credit, appraisal analysis, and loan documents.
Ensured loan file met closing Lender's guidelines and policies.
02/2015 to 07/2015
Servicing Transfer QAFreedom Mortgage – Philadelphia, PA,
Comprehensive loan review to ensure compliance with HMDA, RESPA, TILA, APR and all relevant regulations.
Flagged loans containing inaccurate collateral information, harmful correspondence, and loss mitigation/ trial modification errors.
Ensured that CFPB expectations were applied and met.
11/2014 to 2015
User Acceptance TesterCrc Insurance Services, Inc. – Jacksonville, FL,
Authored and executed User Acceptance (UAT) testing plans/scripts including regression, positive/negative conditions with expected results.
Developed definitions and preparation of Test Data.
Identified defects and documented all issues supported with actual test results with root cause analysis of defect issue.
05/2014 to 11/2014
Senior FHA Default UnderwriterSilicon Valley Services SVS Group – City, STATE,
Manage a pipeline of 50 plus loans per month.
Responsible for reviewing, analyzing, approving and underwriting FHA residential mortgage assistance applications.
Ensured that loans were underwritten in accordance with the bank and FHA guidelines.
10/2013 to 06/2014
Servicing Default Compliance Officer / ForeclosureNewbold Advisors – City, STATE,
Monitored and reported on business results and provide oversight reporting as well aiding in completion of monitoring and testing, meeting with various constituents, including pertinent business lines.
06/2013 to 09/2013
Quality Assurance AnalystNewbold Advisors – City, STATE,
Reviewed Next Day Sale findings of in-process, closed or canceled foreclosure properties.
Processed and documented that associate was in compliance with internal company requirements, contractual terms/conditions, insurer guidelines, investor requirements and/or government regulations.
Performed intake to determine appropriate course of action was taken, while conducting investigative steps to fully identify the issues, researching product information, terms, conditions, contracts, etc., creating correspondence as needed.
04/2013 to 07/2013
Reconciliations Mortgage SpecialistNewbold Advisors – City, STATE,
Governed all processes dealing with Bank's Borrower's Protection Insurance.
Researched and applied Optional Insurance payments in a timely manner.
Maintained and built positive relationships with internal business partners concerning the department through incoming email requests.
02/2012 to 02/2013
Foreclosure SpecialistNewbold Advisors – City, STATE,
Ensured compliance with appropriate regulations and standards.
Access and review information and documents in various systems and applications to procure required documentation Met department standards set forth on maintaining percentage of past due activities, daily productivity, managing current and accurate late codes.
07/2006 to 08/2011
UnderwriterAbsolute Processing Solutions APS – City, STATE,
Manually underwrote FHA, Conventional, Conforming, VA, and Non-Conforming mortgage loans.
Education
Expected in 1997 to to
High School Diploma: F D Roosevelt - Dallas, TX GPA: Status -
Skills
Loss Mitigation Underwriting, Forensic Underwriting and Review, AML, User Acceptance Testing, CPFB Mock Auditor, In-flight and Post Servicing Transfer, Reconciliations, Foreclosure, Bankruptcy, Due Diligence, Quality Assurance
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