Yyyyyy x. yyyyyy

 

 

Results-driven Management Professional with extensive background in the lending industry eager to contribute exceptional talents toward supporting a dynamic company in optimizing bottom-line performance.

 

 

         Proficiency in forensic underwriting, pre/post-funding quality control, due diligence, and rebuttal and litigation review for agency and private investor conduits of 1^st and 2^nd mortgages and consumer assets.

         Proven capabilities in driving novel operational, administrative and technology-based solutions which expedite daily operations, elevate quality control, fortify cost containment, and minimize risk.

         Leverage hands-on management approach to develop and lead cohesive and highly productive team members committed to accuracy, quality, compliance, and first-rate client service.

         Excel in project management, credit analysis, staff leadership and motivation, and fraud analysis.

         Highly organized, systematic and logical with outstanding interpersonal and communication skills.

         Solid reputation for longevity, loyalty, and an impressive work ethic.

         Exemplary ability to gracefully handle competing priorities, and quickly adapt to new roles, responsibilities, technologies, and environments.

         Adept at ensuring meticulous compliance with government/regulatory requirements and FNMA / FHLMC (Fannie Mae / Freddie Mac) guidelines.

         Skilled in use of automated underwriting software, MS Office (Word, Excel, Outlook), and Remote Desktop.

         Completed extensive training in Loan Processing, Underwriting, Regulatory Compliance, Fraud and Quality Control, ECOA (Equal Credit Opportunity Act), CRA (Community Reinvestment Act), and more.

 

 

LPS Credit Risk Solutions (formerly Watterson~Prime); division of Lender Processing Services, 1991 to 2010

Senior Project Manager

• As remote Pre/Post-Funding Quality Control and Underwriting Manager for high-profile clients, underwrote conforming/non conforming (prime & sub-prime) conventional mortgage loans and conducted in-depth quality control reviews.
• Applied dynamic organizational skills toward reviewing mortgage-backed securities, ensuring federal, state and local compliance, and performing put-back audits representing both buyer and seller.
• Employed strong leadership talents toward training, motivating and mentoring 40 underwriters to successfully and consistently meet productivity and client benchmarks and optimize profit margins.
• Diligently cured scratch and dent and non-performing portfolio assets to achieve salability.
• Steered adherence to FNMA/FHMLC criteria, conducted breach of confidence analysis, completed fraud audits, and cured asset deficiencies for marketability.
• Regularly analyzed department policies and procedures to streamline workflow and minimize costs.
• Exhibited sharp attention to detail and accuracy in completing multiple loan funding audits, internal operations audits, and custodial reviews.

         Improved overall productivity to reduce COGs to under 25% by establishing and facilitating training and mentoring program for internal and remote staff.

         Introduced database enhancements to decrease errors and improve quality control by 33%.

 

Prior Background:

 

Senior Underwriter, Citibank, FSB

Senior Processing Officer / Quality Control Analyst, Savings Of America