Brenda Williams
Plano,Texas
Summary
Highly articulate and driven professional with a proven track record of balancing priorities to achieve both short-term and long-range goals. Possessing keen astuteness, boundless energy, and a strong team spirit, consistently demonstrating a robust work ethic. Expertise extends across various financial, banking, and mortgage roles, allowing seamless transition between them. Known for accuracy, precision, and unwavering ethical standards, approaching all work assignments with utmost integrity. With over 15 years of experience in the financial and banking industry, including Federal Regulatory reviews, possesses the skills necessary to immediately contribute to corporate financial goals and objectives.
Overview
13
13
years of professional experience
Work History
Loan File Specialist
Monaco Associates
04.2017 - Current
- Conducts fair lending risk reviews collectively with a third party statistical fair lending vendor worked 40 hours per week
- Reports fair lending finding and enhancement recommendations, if any, to the fair lending committee
- Provided feedback on responses to Risk Management based on complaint and trend analysis.
- Supports lending and credit staff in completing of 30 loan packages per requirement
- Gathers necessary documentation from multiple sources including brokers, attorneys, and accountants for SBA purposes.
- Prepare loan closing files based on each specific loan.
- Coordinated UCC searches and corporate entity verifications efficiently.
- Keeps records of all expenses incurred with each loan closing
- Ensured proper signing of all documents and secured first position on UCC filings after closing.
- Provided essential data to the Servicing Department for loan booking and boarding.
- Executed loan funding, handling multi-disbursement transactions.
- Addresses inquiries on loan processing, funding, and relevant details via phone and written communication.
- Followed all company policies and procedures to deliver quality work.
Commercial Compliance QA Analyst
TEKSystems, Inc
02.2017 - 06.2017
- QA Commercial Loan Fulfillment and Servicing Processor and or work directly on client accounts across Small Business, Business Banking, Middle Market, Stockholders, Shareholder, Money Market Accounts/ Certificate of Deposits /Commercial and GWIM lines of business for loan booking/setup and transaction processing
- Duration 40 hours per week until project completion
- Responsibilities consist of client setup, facility/loan setup, collateral setup/booking on AFS and LOS systems
- Transaction Processing (rates, payments, advances, notices) research and Inquiry
- Review and analyze all requirements with clear and understandable interpret of loan documents
- Reviewed all RCSA and risk assessment, for regulator and testing of companies for risk requirements
- Review all general knowledge of loan accounting/reconciliation of general ledger debits and credits, including research and clearing exceptions on processed transactions
- Research and resolve differences on various systems (i.e
- Interest discrepancies, DDA, wire transfer discrepancies, etc.) And proficient in data entry from a variety of sources, paper-based and/or electronic, into the loan system of record
Compliance Analyst/Underwriter III
Wells Fargo Home Mortgage
02.2013 - 12.2013
- Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests Conventional, FHA, and VA loan products within company and industry guidelines
- Completed functions as calculation and verification of income, assets, evaluation of credit reports, purchase contracts, appraisal, title commitment
- Ensure all applies Regulatory compliance of Regulatory X, Z & B, RESPA /HMDA, GFE Good Faith Estimate, Final Hud-1, TILA, SAFE Act, Mortgage Insurance, and Flood Cert; examining transactions to ensure accuracy and completeness
- Ensuring all documents is consistent and uphold to company and industry guidelines
- Review auto underwriting to its entirety, income statements, financial statement, VOE, VOD, credit risk review, etc
- Excellent Knowledge of FNMA, GNMA, FHLMC, FHA Underwriting; Rendering approvals and denials of loans with appropriate conditions and/or With Alternative Approval
- Experienced in Technical Review Determinations: Deficiencies, Misrepresentation, and Fraud issues validation requirement
- Experienced in Underwriting, Quality Control, FHA/VA & Conventional loan originations, processing, closing and funding, CIP review credit review for BSA/AML compliance with risk management assessment
- Highly organized with superior problem- solving and analytical abilities
- Thorough understanding: underwriting policies & procedures including knowledge of FHA guidelines and standards
Forensic Compliance Analyst
Solomon Edwards Group
10.2011 - 01.2012
- Evaluated loan files to determine if banks followed regulatory during foreclosure procedures, manage 30 loan File per month at 50 hours per week
- Identify operational issues with regard to (RESPA/HMDA) Home Mortgage Disclosure Act, data integrity; recommend and coordinate resolution effort along with importing data into database to submit to regulators on or before deadlines
- Dodd Frank regulatory meets required guidelines and evaluate fees for any tolerance thresholds to determine if loan is outside guidelines and make necessary adjustment
- Proactively maintain an extensive and well-versed understanding of state & federal regulations
- Performed forensic analysis of loan files to identify and report any alleged servicing errors made by servicer using state law guidelines and investor guidelines, and files to identify any fees that were assessed in contravention to allowable fees by state laws or investor guidelines/servicer policies and recommending remediation if needed
- Evaluating default mortgage servicing loans and files during the Claim Review process, to determine if all required mitigation activities were handled and documented in accordance with clients and requirements
- To provide a recommendation of any errors, misrepresentations or other deficiencies that may be identified in the review resulted in financial injury to the borrower or the mortgagee
- Determined if business and residential files proceedings were processed in accordance with applicable regulatory state and federal laws, which includes, escrows, taxes, and insurance payments, to identify errors and make the necessary corrections on AS400, and to include SCRA and US Bankruptcy Codes, and document any exceptions
- Validated fees and penalties charged and assessed were reasonable per RESPA/HDMA, customary and within the applicable regulatory state and federal laws, and document any exceptions or tolerances with any thresholds
- Update mortgage documents data integrity and make necessary adjustment, findings, and report to senior management
- Maintained personal regulatory compliance with the BSA Act, OFAC and USA Patriot Act including (CIP) customer identification Program, (RESPA/HDMA) Home Mortgage Disclosure Act, Section 32, HOEPA, TIL, GFE, REG Z, B, DOBB FRANKS, (CDD) customer due diligence, identifying high risk accounts and reporting (SAR) suspicious activities to Supervisor
Education
Paralegal - Law
University Of North Texas
Denton, TXSkills
- Anti-Money Laundering Compliance
- Compliance Audit Evaluation
- Regulatory Transaction Review
- Compliance Management
- Statistical Analysis
- Data Analysis
- Collaborative Teamwork
- Data Collection
- Employee Development
- Skilled in Microsoft Word Applications
- Expertise in Excel
- DU/LP System
- Case Management Tracker
- AACER Expertise
Key Qualifications
- SEC Regulations
- Dodd Frank Regulations
- Business/Systems Analysis
- Risk Investment Analysis
- Problem Solving
- Forensic Analysis
- Financial Analysis
- Legal Analysis
- RCSA Compliance Regulations
Accomplishments
Performed and assisted several projects to ensure satisfaction of completion of any losses with the Office of Comptroller of Currency, FDIC, Merrill Lynch, most top tier bank. To contributed and avoidance of $1 billion dollars in losses and to prevent other occurrence of sanctions.
Accomplishments
Performed SEC Regulations, Dodd Frank's, RCSA Risk assessment. Forensic Analyst, Legal, Credit Analyst, and Data Analyst qualifications
Timeline
Loan File Specialist
Monaco Associates
04.2017 - Current
Commercial Compliance QA Analyst
TEKSystems, Inc
02.2017 - 06.2017
Compliance Analyst/Underwriter III
Wells Fargo Home Mortgage
02.2013 - 12.2013
Forensic Compliance Analyst
Solomon Edwards Group
10.2011 - 01.2012
Paralegal - Law
University Of North Texas
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