Amy Pulido
Visalia,CA
Summary
Experienced professional with over 14 years of experience in the mortgage industry, with expertise in default servicing, compliance, internal and external audit, risk management, and loss mitigation.
Overview
12
12
years of professional experience
1
1
Language
Work History
Audit and Control Specialist
Specialized Loan Servicing
03.2016 - 12.2016
- Acted as specific point of contact for clients, agencies, and third parties as assigned.
- Conducted comprehensive discussions of the company's processes with examiners.
- Analyzed audit requests to determine resources needed.
- Coordinated as necessary with other operational business units to develop reports and obtain documentation.
- Ensured audit documentation is complete, accurate, and delivered timely.
- Maintained on-going verbal and written communication to successfully fulfill audit requests.
- Communicated potential audit findings to the appropriate business units for response.
- Researched complex loan and process issues; Refuted findings as necessary.
- Reconciled monthly advances and invoices.
- Initiated and completed process improvement action plans.
- Completed special projects as assigned.
- Maintained necessary training requirements to retain proficiency with investor, regulatory, and internal mortgage servicing requirements.
Servicing Assurance Auditor
08.2014 - 03.2016
- Executed internal and transactional audits of mortgage servicing operations, which included accounts payable as well as title and closing statement reviews.
- Planned audit scopes.
- Conducted fieldwork interviews and observations within the business units in order to gain the understanding of their various processes.
- Selected audit samples with the planned scope.
- Communicated exceptions to business units for response and drafted audit conclusions.
- Completed the necessary training to maintain proficiency with investor, regulatory, and internal mortgage servicing requirements.
- Assisted in special projects as assigned.
Quality Control Servicing Specialist
Aurora Commercial Corporation
07.2011 - 07.2014
- Analyzed servicing notes and complex payment histories to determine compliance and assess compensatory claims on behalf of Lehman Brothers Holdings Incorporated.
- Evaluated and resolved legal documents from filed lawsuits.
- Reviewed loans and conducted audits to support bank actions in response to Fannie Mae compensatory claims regarding foreclosures.
- Responsible for reviewing data, audit closed and denied loss mitigation alternatives under HAMP; HAFA; Fannie Mae; Freddie Mac; FHA; VA; and private investor programs.
- Reviewed regulatory, investor, insurer guidelines, and program guidelines, as well as business unit policies and procedures to ensure compliance; created and updated audits as a result of these reviews.
- Identified areas of improvement, resulting in higher quality compliance rate from the business unit.
- Trained, assisted and mentored reviewers, and assisted project managers in drafting policies and procedures for mandated projects.
- Conducted forensic audits under the Consent Order and the Independent Foreclosure Review and mandated by the OCC; reviewed foreclosure and bankruptcy documents under the Foreclosure Lookback and Bankruptcy Lookback; analyzed bankruptcy court dockets.
- Provided quality control reviews on researcher responses on the Consent Order and ensured thoroughly explained events.
- Collaborated on expert panel to plan audit approach and launch the Loss Mitigation piece of the Independent Foreclosure Review mandated by the OCC.
- Translated and interpreted documents and phone calls for fraud investigations and the legal department.
- Researched and resolved customer inquiries and complaints.
Loan Modification Underwriter
04.2005 - 07.2011
- Analyzed borrower requests for HAMP and proprietary loan modifications following company, investor, program, and mortgage insurance guidelines; Validated title was clear for recording.
- Ensured underwritten loan modifications, exceeded quality control expectations, and examined investor servicing agreements and insurer guidelines to determine loss mitigation parameters.
- Consistently received 100% ratings on quality control audits and recognized for excellence in performance.
- Selected to provide feedback on standardizing borrower income/asset training, and to participate in the Second Look Review team to ensure borrowers were properly denied, and if anything additional could be done to approve their loan modification.
- Negotiated Short Sales; Validated final closing statements and assured clear title prior to closing.
- Determined exit strategies on seriously delinquent loans and current loans to mitigate losses and avoid foreclosure using home retention and home liquidation alternatives.
- Completed Loss Analysis' for loans under review for repurchase and determined the best resolution for the investor.
- Mentored team members and trained new staff on policies and procedures.
- Collaborated with management and project managers to provide recommendations on process improvement, systems, and updates in policies and procedures.
Delinquency Resolution Supervisor
Irwin Mortgage Corporation
09.2004 - 04.2005
- Managed a team of 7 direct reports and co-managed the department of over 20 employees within the Collections call center.
- Reviewed seriously delinquent loans for foreclosure referral, resolved customer disputes, and assisted Loan Counselors with collections calls to improve standard of service.
- Assisted with posting payments on high volume days to ensure timely posting to customer accounts.
- Interviewed, hired, and assisted in training new employees on mortgage collections.
Education
Bachelor of Arts - Spanish
Indiana University
Timeline
Audit and Control Specialist
Specialized Loan Servicing
03.2016 - 12.2016
Servicing Assurance Auditor
08.2014 - 03.2016
Quality Control Servicing Specialist
Aurora Commercial Corporation
07.2011 - 07.2014
Loan Modification Underwriter
04.2005 - 07.2011
Delinquency Resolution Supervisor
Irwin Mortgage Corporation
09.2004 - 04.2005
Bachelor of Arts - Spanish
Indiana University
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