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File Reviewer Resume Example

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FILE REVIEWER
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
File Reviewer, 04/2017Treliant Risk Advisors － Richardson, TX
  • 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.
Consultant, 11/2016 to 03/2017Treliant Risk Advisors － Richardson, TX
  • Categorized origination mortgage collateral, waiver, and disclosure documents from securitization and post-securitization documents.
  • Tracked, analyzed and interpreted trends in file stacking order.
File Reviewer, 08/2016 to 11/2016Treliant Risk Advisors － Richardson, TX
  • 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.
QC/Loss Mitigation Analyst, 02/2016 to 08/2016Newbold Advisors － Ft Worth, TX
  • Deep loan level review 
  • Document validation 
  • Entered audits into department QA database
Forensic Underwriter, 08/2015 to 12/2015Recovco Mortgage － Coppell, TX
  • 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.
Servicing Transfer QA, 03/2015 to 08/2015American Mortgage Consultants － Coppell, TX
  • 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.
User Acceptance Tester, 12/2014 to 01/2015Newbold Advisors － Ft Worth, TX
  • 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.
Senior FHA Default Underwriter, 06/2014 to 12/2014Silicon Valley Services SVS Group － Ft Worth, TX
  • 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.
Servicing Default Compliance Officer / Foreclosure, 11/2013 to 07/2014Newbold Advisors － Ft Worth, TX
  • 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.
Quality Assurance Analyst, 07/2013 to 10/2013Newbold Advisors － Ft Worth, TX
  • 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.
Reconciliations Mortgage Specialist, 04/2013 to 07/2013Newbold Advisors － Buffalo, NY
  • 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.
Foreclosure Specialist, 02/2012 to 02/2013Newbold Advisors － Ft Worth, TX
  • 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.
Underwriter, 08/2006 to 09/2011Absolute Processing Solutions APS － Grand Prairie, TX
  • Manually underwrote FHA, Conventional, Conforming, VA, and Non-Conforming mortgage loans.​
Education
High School Diploma:1997F D Roosevelt － Dallas, TX
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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Resume Overview

Companies Worked For:

  • Treliant Risk Advisors
  • Newbold Advisors
  • Recovco Mortgage
  • American Mortgage Consultants
  • Silicon Valley Services SVS Group
  • Absolute Processing Solutions APS

School Attended

  • F D Roosevelt

Job Titles Held:

  • File Reviewer
  • Consultant
  • QC/Loss Mitigation Analyst
  • Forensic Underwriter
  • Servicing Transfer QA
  • User Acceptance Tester
  • Senior FHA Default Underwriter
  • Servicing Default Compliance Officer / Foreclosure
  • Quality Assurance Analyst
  • Reconciliations Mortgage Specialist
  • Foreclosure Specialist
  • Underwriter

Degrees

  • High School Diploma : 1997

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