Detail-oriented, organized, responsible, and driven professional with strong time management skills and more than 10 years of professional experience, seeking employment with a company where I can use my talents, skills, education and experience to grow and expand the company.
Skills
Ability to Analyze and interpret data
Experience working with CRM
Strong computer skills including Knowledge of Microsoft Office Suite (word, Excel, Outlook etc)
Analytical Ability/Critical Thinking
Skills sufficient to analyze and evaluate data
Customer focus and adaptability to different personality types
Masterful use of negotiation and conflict resolution
Strong decision making and problem solving abilities
Strong phone and verbal communication skills along with active Listening
Ability to interact with all levels of an Organization
Previous experience in a customer Support role
Ability to multi-task, set priorities and Manage time effectively
Records management
Documentation and control
Quality assurance
Work History
06/2016 to 03/2018
Quality Control/Reporting AnalystDitech Financial – City, STATE,
Collaborated with investor partners and with internal departments within ditech to identify and resolve reporting discrepancies within year end reports.
Developed strong working and effective business partnerships with third-party vendors, investors' partners, and regulatory agency representative.
Conducted regular (daily), detailed quality reviews of mortgage loans in various servicing production states to ensure business processes and artifacts was in compliance with ditech's policies and procedures, client audit requirements, and all applicable regulations; focusing on both internal and external (vendor assurant) processes.
Prepared negotiated modification agreement and presented it to investors and executive management for final approval.
Developed and delivered training to large and small groups of new hires.
Developed concise, well-organized, business-oriented materials, and information to determine senior lien and property valuations to support assurant's efforts to perform flood sufficiency tests.
Managed an assigned pipeline of 45-70 plus loans on a daily and weekly basis.
Continually enhances knowledge of regulatory and compliance issues through completion of all required online training, attendance at in-house and external training presentations.
Strong working knowledge of Reg B requirements, as well as FNMA, FHLMC, FHA, VA, USDA and bond loan underwriting guidelines.
09/2011 to 06/2015
Research/ Remediation AnalystWells Fargo Home Mortgage – City, STATE,
Facilitated group interactions with managers and executives to make effective presentations in order to persuade investors on modification agreements.
Performed investigation of complex consumer complaints, data gathering and evaluating the data/information and situation to identify all issues relating to the complaints.
Collaborated and communicate effectively with the BBB, regulatory/governmental representatives & leaders, staff from other departments and upper management regarding the case resolutions.
Evaluated the merits of different points of view and presented alternatives to upper managements to ensure they were adequately informed and could use the information for executive meeting with regulatory agencies and investors when risks and problems was identified.
Developed concise, well-organized memo for areas of improvement and presented findings to the change management and impacted business units after analyzing identified process gaps.
Demonstrated success in building effective business partnerships with staff from other departments, investors, executive management, third-party vendors and regulatory government agencies.
Analyzed; evaluated date/ information and situation to determine appropriate course of actions was taken.
Conducted investigative steps to ensure that documentation and processes was in compliance with internal company and investors guidelines and all government regulations were satisfied.
Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer inquiries.
02/2008 to 09/2012
Underwriting/Mortgage Quality AnalystWells Fargo Home Mortgage – City, STATE,
Demonstrated appropriate and intelligent decisions by identifying deficiencies through a detailed review of GFEs, HUD-1s, Truth-in-Lending Statements and Truth-in-Lending disclosures for each mortgage loan file .
Conducted investigations of escalated, high dollar, high profile inquiries and complaints requiring special handling that may have been forwarded by the management committee members, agencies, and/or business chain of command.
Prepared and write investigation report for case to be review by senor/ executive managements, explaining rationale behind credit decision and ensuring that documents were consistent and upheld to company and investors guidelines.
Strong working knowledge of Reg B requirements, as well as FNMA, FHLMC, FHA, VA, USDA and bond loan underwriting guidelines.
Responded timely to inquiries to address issues on outstanding items required for loan quality adherence.
Reviewed multiple files daily containing credit, income, asset and collateral-related loan documents, as well as reviewed initial closing disclosures for accuracy and compliance. Reviews included Conventional, Government, Portfolio and Bond loans.
Conducted quality reviews of processed loans and loans prepared for closing to identify risk deficiencies, assess adherence to regulatory and compliance requirements, as well as internal processes.
Managed an assigned pipeline of 35-50 plus loans on a daily and weekly basis.
Demonstrated up-to-date and accurate understanding of loan-related compliance (RESPA, REG Z, TRID, HOEPA, HPML, FLOOD, FACTA, REG B, HMDA, Fair Credit Act, etc.) along with BSA/AML/OFAC, Bank Security, and others.
Continually enhances knowledge of regulatory and compliance issues through completion of all required online training, attendance at in-house and external training presentations.
Education
Expected in 12/2020
Bachelor’s Degree: Human Resource Management Metropolitan State University - Saint Paul, MN, GPA:
Expected in 12/2020
Bachelor’s Degree: Business Administration Metropolitan State University - Saint Paul, MN GPA:
Expected in 05/2015
Associate: Human Resource Management Normandale Community College - Minneapolis, MN GPA:
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