Summary
Overview
Work History
Skills
Professional Summary
Timeline
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Paula Monarch

Phoenix,AZ

Summary

 

Overview

24
24
years of professional experience

Work History

Risk and Compliance Specialist

Uber Technologies Inc.
03.2024 - Current
  • Perform routine quality assurance audits and evaluations for stakeholders to detect possible risks and regulatory deficiencies within the organization.
  • Ensure adherence to industry standards and legal updates to maintain compliance throughout all business operations.
  • Examine any suspected fraudulent activities, account takeovers, or issues related to violations on the Uber platform, implementing necessary corrective measures as required.
  • Received the Go Get It Award for consistently surpassing key performance indicators while achieving a perfect score in quality for designated projects.

Mortgage Loan Processor Closer Funder III

ACHIEVE HOME LOANS
09.2022 - 11.2023
  • Processed a high-volume pipeline of Home Equity Line of Credit (HELOC) mortgage loans, closing and funding an average of 30 loans per week and consistently top 5% in quality, production, and customer service rankings.
  • Scrutinized documents, balanced fees, confirmed pricing, perfected data entry, and cleared title, securing precise and complete loan packages to ensure timely and accurate disbursement of funds for one touch closings.
  • Interacted with a diverse range of 3rd parties to obtain verification of employment, payoffs, hazard insurance, flood certificate, collateral (AMC), tax transcripts, title, data verify, and credit supplements etc.
  • Earned the Black Diamond Award for being ranked #1 due to the highest amount of finalized closings on team.

Mortgage Credit Underwriter II

CHASE HOME LOANS
04.2015 - 08.2022
  • Evaluated automated underwriting system (AUS) investor findings, analyzing creditworthiness of liabilities, calculated income (W2, Schedule C, E, Partnerships, S Corporations, etc.), review of tax returns, appraisal, trust agreements, purchase contracts, and assets to ensure compliance with underwriting guidelines, regulations, loan eligibility and risk levels.
  • Underwrote Non-Agency and Agency Conventional mortgages to Chase and investor standards. This includes Fannie Mae and Freddie Mac full document refinance, loan assumptions, purchase transactions and Non-Agency loan programs that exceed non-conforming limits.
  • Hand selected to serve on Suspense, Self-Employment, Chase Employee, and Investment loan teams due to accuracy and ability to thrive in a high-tempo work environment mastering multiple policies and procedures.

Home Preservation Specialist/Processor III

THOMSON LAW, PLC & WELLS FARGO
04.2009 - 04.2015
  • Managed a caseload of up to 150 files, ensuring timely and accurate completion of loan modifications, forbearance agreements, and other loss mitigation solutions reducing foreclosure rates across the nation.
  • Exceeded company benchmarks by obtaining 100% compliance in call handling quality, and customer service skills, leading to a fast-track promotion to a level III specialist.
  • Awarded the annual Wells Fargo Service Conference Trophy and sent on a retreat out of town for top performers in production, quality, and customer service.

Senior Loan Closer Funder

WASHINGTON MUTUAL & LENNAR HOMES
03.2001 - 04.2009
  • Confirmed all required closing documentation in the file to ensure enforceable and salable mortgage loans for secondary market and completed required loan checklist for conventional, VA/FHA loans. Pulled FHA Case Numbers and CAIVRS. 
  • Awarded top closer of the month consistently due to number of fundings and quality first, became team lead at both mortgage companies within less than a year of beginning with each company.

Skills

  • Compliance
  • Mortgage Guidelines
  • Investor Guidelines
  • Risk Management
  • Vendor Management
  • Teamwork
  • Adaptability
  • Multitasking
  • Customer Service
  • Pipeline Management

Professional Summary

Highly energetic and performance-driven mortgage banking professional with 20 plus years experience committed to growing revenue momentum and market shares across company portfolios by supporting processes and systems centered on the client experience. Well-versed in all areas of mortgage lending. Excellent communication skills with the ability to work well with diverse types of people. Thrives on challenge.

Timeline

Risk and Compliance Specialist

Uber Technologies Inc.
03.2024 - Current

Mortgage Loan Processor Closer Funder III

ACHIEVE HOME LOANS
09.2022 - 11.2023

Mortgage Credit Underwriter II

CHASE HOME LOANS
04.2015 - 08.2022

Home Preservation Specialist/Processor III

THOMSON LAW, PLC & WELLS FARGO
04.2009 - 04.2015

Senior Loan Closer Funder

WASHINGTON MUTUAL & LENNAR HOMES
03.2001 - 04.2009

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Paula Monarch