Dedicated and energetic professional with diverse experience across financial institutions and mortgage
banks poised to develop and manage client based partnerships that add value, increase profitability, and
promote long-term growth. In addition to the eight years of mortgage banking and government-sponsored
enterprises experience, I bring ten years of sales management and training expertise. In addition to my
work experience, I bring an area of expertise within mortgage compliance reviews, internal audit,
litigation, mortgage operation processes and controls, banking and capital market investigations, and
project management. Mission focused and results driven, I am a self-motivated hard worker that fully
understands the importance of timely task completion and timeline management. I work well in an
independent or team setting and possess the skills that align with the objectives of an organization. My
core competencies include excellent communication and time management skills related to a fast paced
work environment within a team setting.
Risk and Control AnalystMar 2017 to May 2017 Clarendon Partners － Clarendon, Virginia
Identifying risk and controls to implement Enterprise Risk Management Structure for local client.
Reviewing clients policies and procedures, creating process flow charts, and communicating an effective risk and control structure to business areas.
Interview process owners to assess risk score (impact and likelihood analysis) and utilizing Failure Mode Effect Analysis (FMEA) to generate risk scores based on detection and severity responses.
Provide results to Executive team with feedback on suggestions for launching new GRC tool for internal staff.
Create and develop Risk and Control Matrix (RCM) for documenting inherited risks, controls, and control test plans for effectiveness.
Compliance ExaminerMay 2012 to Feb 2017 Freddie Mac － Mclean, VA
Conducted and executed on-site examinations as a member of the Counterparty Operational Risk
Evaluation (CORE) team.
Developed testing strategies for the following key mortgage operation areas: Corporate Governance,
Loan Production/Origination, Underwriting, Regulatory Compliance, Pre and Post Funding Quality
Control, Secondary Marketing/Interest Rate Risk Management, Servicing, Default Management,
Investor Reporting, Document Custody, and Fraud Detection/Investigation.
As a trained auditor, utilized risk based control assessment strategies and initiatives to evaluate the
counterparties control structure effectively and identify risk correlated to their compliance with
Freddie Mac's Single Family Seller/Servicer Guidelines as well as industry's best practices.
Provided solutions to a broad range of complicated problems by designing and implementing ideas and
strategies to assist with achieving team and company goals.
Implemented Master Servicing Strategy to
develop and train multiple servicers with daily interaction to implement Freddie Mac policies and
procedures in relation to Servicer/Seller Guide.
Thorough knowledge of Freddie Mac Single Family Seller/Servicer Guide for default management and
cross referenced with experience in a mortgage default servicing environment along with thorough
knowledge and daily interaction of numerous internal databases and applications.
Loan Processor/ OriginatorDec 2011 to May 2012 Navy Federal Credit Union － Vienna, VA
Responsibilities included gathering information and documents in order to process loan for
underwriting, purchase, or refinance options for first mortgage.
Well-trained in the entire loan process requirements and underwriting guidelines.
Consistently ranked as top tier producer on production and operations floor.
Default Management Analyst / QA AnalystFeb 2008 to Jul 2010 JP Morgan Chase － Jacksonville, FL
As a Default Management Specialist, responsibilities include addressing customer inquiries to
identify and probe into their particular situations and provide sustainable options that prevented
My knowledge and experience of various mortgage systems and platforms include: Mortgage
Servicing Platform (MSP), Lender-Live, Lender Processing Services (LPS), Fiserve, Fidelity
Workstations, Fannie Mae and Freddie Mac Databases, and Citrix.
As a QA Analyst, I was responsible for reviewing and critiquing underwritten files in Loss Mitigation.
Performed direct internal compliance audits to validate regulatory compliance and continually assess
risk areas and develop controls.
Prepared detailed written reports for underwritten files from loss mitigation to help avoid servicing
violations and inserting corrective action.
Compliance Audits, Freddie Mac Databases, Excel, Powerpoint, Word, Failure Mode Effect Analysis Matrix (FMEA), Risk and Control Matrix (RCM), Regulatory Compliance,Quality
Control, Quality Assurance, Pivot Tables, Risk Assessments, Risk Management, Strategy, Underwriting, Governance/Risk/Compliance Tools (GRC).
Education and Training
Business FinanceLiberty University － Lynchburg, Virginia
Six Sigma - Green Belt (SSCGB) - Villanova University (In Progress)
Committee of Sponsored Organizations (COSO) - InternalControl Framework
Activities and Honors
Above and Beyond Award (Freddie Mac) - 1st Quarter 2016