Bernita H. Brown

• Review KYC for completeness and accuracy as part of customer validation in order to assess and document risk associated with that customer.
• Perform searches utilizing Internet sources and/or third party vendors (i.e. Google, LexisNexis and/or World Compliance) to determine negative news and obtain duel diligence information for prospects and new/existing customers.
• Ensure ongoing due diligence efforts and KYC are maintained while identifying substantive changes to customer profiles.
• Conducting client due diligence(CDD) and enhanced due diligence (ECDD) in accordance with internal policies, procedures and regulatory guidelines.
• Review of refresh requirements for assigned jurisdiction in line with related Client Identification Profile (CIP) /CDD Procedures to ensure adequacy before requirements are sent to client.
• Documented experience performing process-oriented production environment that changes periodically
• Identified and analyzed project risks and developed mitigation strategies
• Proven ability to learn quickly and adapt to new situations

• Perform credit and compliance review/ testing on closed mortgage files
• Analyzed asset statements for bank statement income approach products
• Familiar with servicing processes and related regulatory and investor/insurer guidelines to ensure proper support for our clients
• Knowledge of Non-QM products and investor guidelines and overlays.
• Identify and report on trends and/or problems discovered in audit process
• Communicated with various business units to obtain necessary information for investigations
• Identified and researched patterns, trends and anomalies in transactional and customer data to detect and prevent suspicious activity related to money laundering and terrorist financing

• Knowledge of mortgage lending regulations and procedures for FNMA, FHLMC, VA, FHA and USDA loans
• Review appraisal to ensure valuation is accurate and value supported
• Perform complete analysis of prospects financial statements and projections to assess their financial condition and credit worthiness.
• Ability to identify and/or clear red flag or alerts
• Developed and deepened client relationships to cement profitable partnerships.
• Maintain 24 - 48 hour underwriting turnaround for new loans and re-submittals.

• Perform detailed underwriting analysis on all loan products including calculating all income types.
• Well versed with guidelines for VA, FHA, RD and Conventional loans.
• Orchestrated client-centered financial packages factoring in current market trends.
• Review credit reports to determine if borrowers meet investor/agency credit worthiness requirement
• Review/calculate qualifying income for borrowers, including complex self-employed borrowers and personal/business tax returns
• Loans are underwritten within established timeframes.

• Underwrote FNMA conforming and portfolio loans up to $1 million
• Determined and documented loan conditions and communicated requirements and decisions
• Interpreted complex financial terminology to ensure open communication lines in discussing loan denial decisions with loan officers, processors, and management
• Assisted loan officers, processors in evaluating credit risk for proposed conventional and construction loans to close within 45/60 days.
• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
• Analyzed credit, income, compliance, title documents and appraisals during underwriting process.

• Review loan packages and customer profile thoroughly to ensure all required documentation is legible, complete, accurate, and valid.
• Calculated debt to income and loan value ratios to determine if loan requests were within loan program/product and within underwriter authority 1 million.
• Adhered to FNMA policies and procedures, in addition to state regulatory compliance
• Fostered and cultivated collaborative lines of communication with processors, originators, and clients.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.

• Provide support for operational and business units on Fraud and AML matters
• Report and escalate all concerns or negative findings clearly and objectively to Manager
• Established and maintained transaction management procedures outlining process, including timelines, task lists, project plans, department roles, and responsibilities
• Interact with bank examiners, internal auditors, and compliance personnel during BSA and AML related audits, if necessary
• Conduct in-depth research into customer accounts, properly document findings and communicate with account officers requesting information to ascertain if activity is permissible by regulations
• Implement and manage change to standard processes when necessary to meet project output requirements

• Responsible for corresponding with investor reviewing and clearing post-closing conditions in accordance with company and investor policies and requirements
• Analyzed fraud alerts generated by Bank’s Fraud software and Bank’s core processor and determined appropriate response
• Performed investigations related to fraud; consults with other members retail lending, and operations during investigation and resolution process.
• Worked with underwriters to fix application problems and resolve issues.
• Monitored pipelines to track and log status of loans.
• Created profitable and efficient solutions

• Set-up, process, and monitor documents, and files for commercial loan package completion to meet lending specifications, Review and monitor loan documents for accuracy, completeness, and adherence to approval conditions
• Ensure correct lien position which may include UCC searches and analyzing title policies/searches.
• Validated and audited final signed documents in accordance with state, county and investor guidelines.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Independently handle up to medium complexity transactions with minimum supervision and a high-degree of accuracy
• Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues
• Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents

• Analyze credit documents, including, but not limited to, mortgage applications, property appraisals, credit history, income documentation, title documents and all other applicable compliance documents to ensure borrower met qualification guidelines

• Verify data and report findings in our proprietary diligence systems

Perform due diligence work as a third party mortgage underwriter to evaluate mortgage portfolios to identify any potential credit and compliance issues or potential fraud

• Perform mortgage credit analysis without the assistance of AUS Compute income and debt ratio calculations following program guidelines and the ability to repay requirements

• Ability to manually underwrite complex transactions to ensure the loan meets established guidelines

• Researched and verified parties involved in suspicious activities and transactions against various databases such as LexisNexis and World-Check
• Communicated negative findings to lines of business and supplied guidance on course of action