Highly skilled Quality Control Specialist with expertise in data accuracy and compliance. Hardworking professional with over 10 years of banking and finance experience with multiple company and product types.
Skills
Database Management
Loan File Maintenance & Review
Tax Liability Calculation
Loan Processing Coordination
Regulatory Disclosure Preparation
Analytical and Critical Thinking
Performance Assessment and Improvement
Project Organization and Process Improvement
Encompass, Microsoft Office Suite, Silver Lake, Image Mate, Xperience Production, Synergy, QuickBooks and Sage
Work History
01/2020 to Current
Quality Control Specialist & Flood Insuranc ReviewDepartment Of Housing And Urban Development – Kansas City, MO,
Analyzed and evaluated loan estimates and closing documents to ensure they meet regulatory guidelines and RESPA compliance
Collaborated with management, loan officers, bank attorneys, insurance agents and settlement agents to ensure all files are perfect
Provided corrective action of findings regarding problem loans and employees needing additional training
Created and updated SOP’s and other documentation to assist others in performing their tasks accurately
Trained employees in multiple departments within the mortgage processing department; resulting in rejected file decrease
Identified process errors and provided solutions to problems.
Created and maintained several databases to track statistical data for QC, Exhibit CD Review, Exemptions and Rejections department
Provided regular updates to team leadership on quality metrics by communicating consistency problems and workflow deficiencies.
Reviewed files for flood insurance requirements, informed lender of requirements, set up escrow (if required) and ensured federal and bank compliance
Ensured compliance by monitoring multiple pipelines daily; assisting in other departments as needed whilst adhering to the bank QC timing requirements
Continued performing additional duties obtained in previous positions
01/2017 to 01/2020
Closing CoordinatorCommunity Bank System, Inc. – Boonville, NY,
Prepared closing disclosures in compliance with regulations for NY, PA, VT, NH and MA
Properly set up escrow for all loan products
Maintained knowledge of and compliance with all laws and regulations, including yearly training
Reviewed appraisal, purchase contracts, POA’s, surveys, construction contracts, deed and title work
Communicated with attorneys, settlement agents, insurance agents and lenders regarding closing fees and documents required
Balanced final funding figures and alerted settlement company of any changes required
Reviewed files for flood insurance requirements, provided requirements to loan officers and ensured federal compliance
Communicated and educated lenders and insurance agents on federal regulations regarding flood insurance
Trained coworkers on all procedures regarding the closing department and flood insurance review (until I became the only flood insurance reviewer)
Contacted appropriate agencies to complete searches, order records and obtain documents then reviewed for accuracy
Prepared closing disclosures, post-closing records and general ledger tickets.
Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
Set up, stored and updated customer files, department records and regulatory paperwork for all flood insurance files until I acquired an assistant.
Review files for flood insurance requirements, inform lender of requirements and ensure federal compliance
Worked with underwriters to fix application problems and resolve issues.
Communicated closely with inter-company staff members to promote quick and effective loan workflow.
Achieved record-low rejected files. (I don't received files back due to an error on my part)
Compiled closing packages with perfection
01/2015 to 01/2017
Mortgage Disclosure RepresentativeCommunity Bank, N.A. – City, STATE,
Prepared loan estimates and initial loan documentation
Re-disclosed loans following TRID guidelines
Cross-trained and assisted in other areas such as Appraisals, Closing, Exhibit CD review and Processing
Maintained up-to-date knowledge of products, service changes and interest rates
Updated procedures, charts, checklists and other documents used regularly by personnel(even after transferring to different positions)
Trained new personnel regarding company operations, policies and services
Surpassed weekly goals through implementation of effective time saving tools
Promptly responded to inquiries and requests from loan officers
01/2013 to 01/2015
Reconcilement RepresentativeCommunity Bank, N.A. – City, STATE,
Reconciled multiple general ledgers accounts
Prepared incoming and outgoing wires
Resolved proof differences and un-posted transactions
Handled disbursements and payments for loans in process
Reviewed accuracy of co-workers account reconcilement and provided findings and resolutions to supervisor
Assisted Customer Service with history inquiries, AFT/ACH issues, payment issues, escrow analysis, stop payments and other duties as needed to complete department goals
Education
Expected in
Associate of Science: Accounting Jamestown Community College - Olean, GPA:
Expected in
NYS Beauty License: Esthetician Continental School of Beauty Culture - Olean , GPA:
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Resume Overview
School Attended
Jamestown Community College
Continental School of Beauty Culture
Job Titles Held:
Quality Control Specialist & Flood Insuranc Review