Distinctive financial services professional with over 15 years of experience that has achieved success in a variety of roles with increasing levels of responsibility with an emphasis on risk management, regulatory compliance, process improvement and department efficiency that is critical to the financial and operational success of an organization.
Evaluated loan requests and made loan decisions within authorized lending limits in accordance with FNMA, FHLMC, HARP and high balance guidelines.
Audited loan portfolio for regulatory compliance including but not limited to RESPA, TILA, and HMDA.
Investigated mortgage and home equity loans for underwriting deficiencies, suspicious activity and potential misrepresentation for litigation purposes.
Provided underwriting services for top producers within the west coast region for a large, full-service mortgage lender offering conforming and non-conforming loans to high net worth clients.
Performed an overall risk assessment of conforming/non-conforming loans and made loan decisions based on the credit, capacity, capital, collateral and characteristics of the loan file.
Key contributor of a highly visible nationwide effort to audit Bank of America to determine if existing processes used by the bank were compliant as mandated by the Office of the Comptroller of the Currency (OCC) Consent Order. Areas of review included the following: loan servicing, loss mitigation, ownership, foreclosure and bankruptcy.
Performed quality assurance audits on loss mitigation decisions.
Conducted misrepresentation investigations and forensic underwriting audits on closed loans.
Rendered sound credit decisions in accordance with lender, agency, HARP and high balance guidelines.
Performed quality reviews of highly complex, large and unusual loan requests within company and industry standards to reduce risk of loss and ensure compliance.
Conducted in depth investigations on delinquent loans in "open claim status." Areas of investigation encompassed all aspects surrounding the mortgage transaction including but not limited to underwriting, potential misrepresentation and compliance audits.
Rendered sound credit decisions based on an overall analysis of credit, capacity, capital, characteristics and collateral to determine terms, risk factors and offsets of prospective loans.
Conducted forensic audits on seller pursuit and high loss loans for material representations.
Audited loans secured by new construction and residential property for credit quality, legal compliance and sufficient collateral that were purchased and sold on the secondary market.
AML Foundations-ACAMS member 1000224954
Implementing the AML Rules of the BSA-AllRegs Academy
Combating & Detecting Fraud-AllRegs Academy
TRID Training-AllRegs Academy
Fundamentals of FHA Underwriting-AllRegs Academy
Annual Federal Banking Certifications (Mandatory)
FCRA/FACT Act-First Priority Financial Santa Rosa, CA
BSA/AML/OFAC-First Priority Financial Santa Rosa, CA
USA Patriot Act-First Priority Financial Santa Rosa, CA
Information Security/GLBA Act-First Priority Financial Santa Rosa, CA
Regulation B/ECOA-First Priority Financial Santa Rosa, CA
SCRA-First Priority Financial Santa Rosa, CA
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