ANGELA THOMPSON
Summary
Mortgage Operations and Fulfillment Leader with 20+ years of experience overseeing condition review, underwriting, quality control, and compliance within high‑volume mortgage origination environments. Proven ability to lead and develop teams, manage loan condition queues, meet aggressive SLAs, and ensure adherence to investor, regulatory, and company standards. Known for improving workflows, reducing cycle times, strengthening quality, and partnering cross‑functionally with Underwriting, Processing, and Quality Assurance teams.
Overview
11
11
years of professional experience
Work History
Mortgage QC Manager
Lending Elite
07.2024 - Current
- Developed, implemented, and managed a comprehensive mortgage quality control (QC) program across pre‑funding and post‑closing reviews.
- Oversaw pre‑funding audits to ensure loan accuracy, completeness, and compliance with company, investor, and regulatory requirements.
- Ensured audits were conducted in compliance with agency guidelines (FNMA, FHLMC, FHA, VA, USDA) and CAKE Non‑QM requirements.
- Led hiring, training, supervision, and performance evaluation of QC staff to ensure a skilled and compliant team.
- Analyzed audit results and provided actionable insights to senior management, highlighting trends, root causes, and systemic issues for informed decision-making.
- Collaborated with Underwriting, Processing, Closing, and Compliance teams to resolve deficiencies and implement corrective actions.
- Compiled and delivered monthly, quarterly, and annual QC reports to communicate compliance status and audit findings effectively.
- Monitored changes in mortgage regulations and investor guidelines to keep QC processes current.
Lead Business Execution Consultant (RCSA)
Artech (Wells Fargo Contract)
01.2024 - 06.2024
- Led risk and control assessments to enhance mortgage operations and fulfillment processes.
- Evaluated control design and residual risk, driving effective remediation efforts for operational workflows.
- Partnered with leadership to ensure audit readiness and compliance with regulatory expectations.
- Maintained documentation and QC binders, ensuring clear reporting to support operational transparency.
Senior Risk & Controls Analyst
Randstad (Wells Fargo Contract)
01.2023 - 09.2023
- Evaluated operational controls in loan processing, underwriting, and fulfillment to enhance risk management.
- Identified trends, gaps, and opportunities to streamline workflow efficiency and strengthen compliance.
- Conducted mortgage-related compliance testing, quality reviews, and regulatory documentation to ensure adherence to standards.
Due Diligence / Quality Control Analyst
Consolidated Analytics
02.2022 - 07.2022
- Conducted detailed condition review and QC analysis of residential mortgage loan files to ensure accuracy and compliance.
- Validated completeness of credit, income, asset, appraisal, and legal documentation to support risk assessment.
- Ensured compliance with investor guidelines and regulatory requirements during fulfillment review, mitigating potential risks.
- Identified loan defects, trends, and aged conditions, supporting corrective actions and process improvements.
- Supported servicing history review and credit risk grading based on investor standards.
- Worked remotely to support team objectives and tasks.
Underwriting Manager
MPHASIS / Digital Risk
02.2021 - 08.2021
- Led and managed a team of 10–15 underwriters and condition reviewers in a high‑volume mortgage origination environment.
- Oversaw daily loan condition review queues, ensuring timely clearance of conditions to meet service level agreements.
- Conducted daily huddles, one‑on‑one coaching, and performance reviews to drive productivity, quality, and accountability.
- Monitored workflow metrics and production reports to identify trends and capacity needs for continuous improvement.
- Acted as an escalation point for complex underwriting and fulfillment issues, partnering with Processing, QC, and Compliance.
- Ensured audit readiness and compliance through consistent documentation practices and quality oversight.
- Remote
Senior Underwriter
Envoy Mortgage
08.2020 - 02.2021
- Evaluated borrower credit, income, assets, capacity, and collateral to support accurate loan decisions.
- Reviewed, analyzed, and cleared underwriting and post-underwriting conditions to ensure compliance with FNMA, FHLMC, FHA, VA, and investor guidelines.
- Ensured adherence to regulatory requirements including HMDA, RESPA, Reg Z, Reg B, FACTA, and SAFE Act.
- Partnered closely with processing teams to resolve outstanding conditions and maintain pipeline efficiency.
- Guided processors and loan officers on condition quality, enhancing accuracy in loan processing and reducing cycle times.
- Collaborated remotely with underwriting teams to streamline operations and maintain effective communication.
Regulatory Compliance Analyst / Manager
WEX Inc.
06.2018 - 05.2020
- Supported audits, examinations, and risk assessments to enhance compliance and operational integrity in loan operations.
- Managed mortgage underwriting pipelines to ensure adherence to service levels, quality standards, and compliance requirements.
- Collaborated cross‑functionally to identify and resolve operational issues, strengthening controls and processes.
QC & Compliance Analyst
CU Alliance
06.2015 - 12.2017
- Reviewed mortgage loan files to ensure compliance with regulatory and investor standards.
- Documented defects and tracked resolutions to enhance quality control processes.
- Managed assigned pipelines to consistently achieve production and quality goals.
Education
Master of Science - Business Administration & Management, Organizational Leadership & Change
Colorado Technical University
Skills
- Mortgage fulfillment and review
- Loan condition management
- SLA and cycle time optimization
- Team leadership
- Performance coaching
- Staff planning
- Workflow improvement
- Regulatory compliance
- FNMA, FHLMC, FHA, VA, USDA, Non-QM expertise
- Cross-functional collaboration
- Audit and defect resolution
- Reporting and analysis
- Microsoft Office proficiency
Timeline
Mortgage QC Manager
Lending Elite
07.2024 - Current
Lead Business Execution Consultant (RCSA)
Artech (Wells Fargo Contract)
01.2024 - 06.2024
Senior Risk & Controls Analyst
Randstad (Wells Fargo Contract)
01.2023 - 09.2023
Due Diligence / Quality Control Analyst
Consolidated Analytics
02.2022 - 07.2022
Underwriting Manager
MPHASIS / Digital Risk
02.2021 - 08.2021
Senior Underwriter
Envoy Mortgage
08.2020 - 02.2021
Regulatory Compliance Analyst / Manager
WEX Inc.
06.2018 - 05.2020
QC & Compliance Analyst
CU Alliance
06.2015 - 12.2017
Master of Science - Business Administration & Management, Organizational Leadership & Change
Colorado Technical University