Training Officer II Resume Example

Conduct a thorough review of the customers file for modification to determine compliance with established company and Investor guidelines.

Analyze extreme complex financial information that includes calculating income and debt ratios, verification of assets, conducting a collateral and credit review.

Perform a credit and income analysis that is consistent through out the file and insure all pre-funding conditions have been updated in the system of record, and communicated to processors, vendors, and the customers.

Review all loan documentation for accuracy and completion to ensure all conditions are cleared prior to signing off on the loan to proceed with the modification.

Keep up to date on all credit policy changes that impact underwriting.

Trained on a variety of projects such as:

TD Bank bank acquisition project, extensive traveling to several acquired bank sites to train bank employees on new system hardware and software, and process and procedures.

New hire training for new location in Jacksonville,Fl. Trained all new hire staff for customer service, collections, LM negotiators, and supervisor staff, also provided floor support for three weeks after training.

Provided two week system training for a new BOA new system roll out

Various Facilitator training assignments.including Sales, Default, Servicing, Banking, and Systems Training.

Worked closely with all members of the training team to secure the appropriate level of collaboration with trainers/facilitators, to ensure that delivery requirements are incorporated in the design of all ILT classroom courses

Managed a team of 25 forensic risk underwriters in Jacksonville and California validating forensic review findings on closed files and prepared final client-facing reports in accordance to company's policies and procedures, secondary mortgage market and/or investor requirements and applicable laws and regulations.

Utilized expertise to field questions from reviewers on escalated loan files and track changes in federal and state laws and regulations, establish applicable due diligence policies and procedures and implement changes to existing procedures, systems and process.

Calculated, prepared, and issued bills, invoices and account statements according to established procedures.

Reconciled and reported discrepancies found in records.

Communicated with customers, employees and other individuals to answer questions and explain information.

Utilized expertise to field questions from reviewers on escalated loan files and track changes in federal and state laws and regulations, establish applicable due diligence policies and procedures and implement changes to existing procedures, systems and process documentation.

• Developed metrics determining inefficiencies and areas for improvement, track, analyze and interpret trends in KPI/KPM percentage of unsalable loan beyond the 120 day mark in the warehouse data.
• Reduced number of monthly unsalable loans by 29 % by developing training material and conducting training within the LOB (wholesale, retail, and correspondent) to help provide charity of the impact on loans remaining in the company's portfolio beyond 120 days from both how effects the company's bottom line, and cost/impact effects to the LOB, versus resolving deficiencies with the first 30 days of a known a unsalability exception, reduction well received by senior management during monthly meeting.
• Liaison between warehouse bank and lines of business for problems loans that were received by the warehouse bank and deemed unsalable.

• Supervised a team of 9 post closing analyst responsible for resolution of all post-closing loan issues, including lien perfection, proper issuance of final title policies, all other discrepancies prior to closing, title corrections, or documents preventing the closing.