Charlotte Dixon
Charlotte,NC
Summary
Detail-oriented professional with over 10 years of experience in financial services, specializing in mortgage processing, underwriting, and fraud analysis. Expertise in regulatory compliance, AI model validation, and workflow optimization. Proven track record of leading teams to enhance operational efficiency and deliver compliant outcomes in dynamic environments.
Overview
8
8
years of professional experience
2
2
Certifications
Work History
QA Analyst Mortgage Underwriting Tester Contract
Loancrate
Charlotte, NC
03.2025 - 01.2026
- Conducted software testing to identify defects and ensure quality standards.
- Collaborated with developers to understand application functionality and requirements.
- Developed detailed test cases for mortgage underwriting processes across Fannie, Freddie, FHA, USDA, VA, and Non-QM Loans to ensure comprehensive test coverage.
- Executed manual tests to evaluate system performance and usability, documenting AI results and reporting defects to enhance product quality.
- Documented test results and reported issues to the development team promptly.
- Reviewed existing test documentation for accuracy and completeness regularly.
- Worked with team members to create efficient workflows, resulting in high productivity.
- Communicated regularly with management to discuss quality trends.
- Assisted other members of the QA team in identifying areas for improvement in processes and procedures.
- Maintained product backlogs, ensuring that items are well defined and prioritized based on business value.
- Ensured compliance with lending guidelines and regulations.
- Managed multiple tasks simultaneously while meeting tight deadlines.
- Crafted visual reports to effectively communicate findings to stakeholders, facilitating informed decision-making.
- Collaborated with cross-functional teams to gather configuration requirements.
- Supported system testing to validate configuration changes before deployment.
Commercial Loan Specialist Fraud Analyst
Small Business Administration
Charlotte, NC
03.2023 - 09.2025
- Evaluated loan applications to determine creditworthiness and eligibility for lending decisions.
- Analyzed transaction patterns to identify suspicious activities and potential fraud cases.
- Examined financial documents for compliance with lending guidelines, ensuring proper risk management.
- Performed periodic audits of existing customer accounts to ensure accuracy of information maintained.
- Reviewed customer accounts and flagged anomalies for further investigation and action.
- Compiled findings and generated reports for management review on fraud incidents, facilitating informed decision-making.
- Educated staff on recognizing and reporting potential fraud indicators during training sessions.
- Assessed customer and client data to detect potential fraud risks.
- Responded quickly to customer inquiries about possible fraudulent activity on their accounts.
- Collaborated with cross-functional teams to investigate fraudulent transactions effectively.
Project Manager-Contract
Vaco
Charlotte, NC
06.2022 - 03.2023
- Developed project timelines and monitored progress against deadlines for Small Business Administration projects to ensure timely delivery.
- Analyzed data and user activity to detect fraudulent behavior, documented findings, and escalated confirmed or suspected fraud cases to the risk or compliance team for further investigation with the Small Business Administration.
- Create pivot tables, charts, and dashboards to visualize key metrics
- Apply formulas such as VLOOKUP, IF, SUM, and COUNT for data analysis
- Facilitated team collaboration to streamline workflow processes and improve communication.
- Prepared project status reports for senior management review, highlighting key data analytics findings.
- Built and established strong partnerships with teams, vendors and contractors.
- Led meetings with internal team members for training on how to read tax transcripts and tax returns to prove receipt of income from business. This would include reviewing 1120s, K-1, 1065 or Schedule C income.
- Forecasted, scheduled and monitored project timelines.
- Conducted thorough investigations of suspicious activities and reported findings.
Mortgage Underwriter-Remote
Nationwide Mortgage Bankers
Charlotte, NC
08.2020 - 04.2022
- Analyzed credit reports to assess borrower risk and creditworthiness.
- Achieved monthly underwriting goals by analyzing applications and collaborating with team members.
- Interpreted complex financial statements and tax returns to assess borrowers' financial stability.
- Reviewed self-employed applicants' income to verify sustainable earnings for loan repayment.
- Evaluated property appraisals to assess fair market value and associated risk.
- Utilized Encompass Software to process applications efficiently.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Assessed risk levels associated with each loan application based on established criteria.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
- Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.
SBA Team Lead Contract Role (Covid Relief)
Small Business Administration
Charlotte , NC
05.2020 - 08.2020
- Led team meetings to align project goals and tasks.
- Coordinated schedules to enhance team workflow and allocate resources effectively.
- Mentored team members to enhance skills and performance.
- Conducted performance reviews to deliver actionable feedback for employee development.
- Developed training materials for onboarding new staff effectively.
- Monitored project timelines to ensure timely completion of tasks.
- Conducted regular performance appraisals for all team members.
- Maintained comprehensive records of employee performance reviews for ongoing assessment.
- Oversaw daily workloads and workflow for smooth operations.
- Led regular team meetings to communicate current business trends and relevant updates.
Mortgage Loan Processor
Lakeview Loan Servicing
Charlotte , NC
02.2018 - 01.2020
- Managed at least 100 loan files simultaneously throughout the processing cycle.
- Processed mortgage applications using Encompass Software.
- Coordinated with underwriters to resolve issues during loan processing.
- Reviewed financial documents for accuracy and completeness.
- Submitted completed loan packages to the underwriting department for approval or denial decisions.
- Communicated with clients to gather necessary information and updates.
- Ordered appraisals and title services on behalf of borrowers.
- Provided customer service by responding to inquiries regarding loan status.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Managed loan application pipeline by completing and submitting reports within allotted turnaround times.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Gathered property appraisals, surveys and tax records to update mortgage loan files.
- Prepared closing documents, including title policies, deeds, and other related items.
- Reviewed HUD-1 settlement statements prior to closings.
Education
Some College (No Degree) - Information Technology
CIAT
National City, CASkills
Security certified professional, ScrumMaster certification (CSM), AI model validation techniques
Mortgage underwriting expertise (non-QM, FHA, VA, FNMA, Freddie Mac), Fraud investigation and detection strategies
Expertise in Encompass Mortgage System and Encompass Admin, Endpoint protection strategies
Risk mitigation strategies, Communication with clients and stakeholders
Strong analytical skills
Troubleshooting methodologies
Workflow efficiency improvement, data loss prevention measures, Network and system security practices
Proficient in Salesforce applications
Foundational knowledge of AWS services
Microsoft 365 applications proficiency
Certification
CompTIA Security+
Timeline
QA Analyst Mortgage Underwriting Tester Contract
Loancrate
03.2025 - 01.2026
Commercial Loan Specialist Fraud Analyst
Small Business Administration
03.2023 - 09.2025
Project Manager-Contract
Vaco
06.2022 - 03.2023
Mortgage Underwriter-Remote
Nationwide Mortgage Bankers
08.2020 - 04.2022
SBA Team Lead Contract Role (Covid Relief)
Small Business Administration
05.2020 - 08.2020
Mortgage Loan Processor
Lakeview Loan Servicing
02.2018 - 01.2020
Some College (No Degree) - Information Technology
CIAT