Crystal Hill
Tampa,United States
Summary
Mortgage Quality Control Auditor with 25 years in the mortgage industry, excelling in regulatory compliance, internal audits, and quality assurance. Demonstrates strong organizational skills and a meticulous attention to detail, ensuring accuracy and compliance throughout the mortgage process. Proven track record in mentoring teams and optimizing processes to enhance efficiency and performance. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Commercial Loan Originator
Colosseum Investments, LLC
03.2022 - Current
- Conduct interviews of applicants to determine loan requirements and gather pertinent information for loan applications for programs such as short-term multi-family housing, DCSR, New Construction, Bridge loans and Fix & Flip Investor Loan financing
- Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant's evaluation
- Analyze applicant's financial status, credit, and asset evaluation to determine feasibility of granting loan, and establish credit limit through written and/or oral assessment
- Resolve uncertainties relating to customer application information through inquiries with applicant or creditors
- Structure loans within loan policy
- Approve loans within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval
- Prepare financing proposals consistent with approval for presentation to the applicant
- Review loan documentation prior to closing for completeness and acceptance by the applicant
- Ensure timely loan closing and funding activities
- Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations
- Participate in community and professional organizations and events
- Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring
- Use experience and sound judgment to plan and accomplish goals.
Mortgage Quality Control Auditor
First Horizon Bank
11.2017 - 01.2022
- Reviewed and assessed underwriting decisions, ensuring accuracy and compliance
- Communicated deficiencies and required remediation before funding, enhancing loan quality
- Conducted daily pre-funding reviews, resolving issues promptly
- Prepared monthly QC reports, contributing to informed decision-making
- Provided training to underwriters, improving team performance
- Optimized underwriting processes, enhancing accuracy and efficiency in document reviews
- Streamlined communication protocols, improving file closure rates and reducing errors
- Mentored junior underwriters, elevating team competency and performance in QC reviews
- Conducted thorough reviews of loan files, ensuring adherence to federal regulations
- Rigorously monitored regulatory changes to ensure ongoing compliance in loan auditing
- Enhanced compliance by updating loan audit protocols to meet latest federal standards.
Contract Forensic Underwriter/ Fannie Mae Putback Reviewer
Clayton Holdings LLC
08.2010 - 06.2017
- Led multiple complex projects, ensuring timely completion and effective client communication
- Delegated tasks and provided clear instructions, enhancing team efficiency and process improvement
- Served as QC underwriter liaison, managing file assignments and resolving queries with precision
- Analyzed diverse credit documents to determine loan conditions and communicated decisions clearly
- Identified portfolio risks related to underwriting and fraud, maintaining compliance with guidelines
- Streamlined underwriting processes, enhancing efficiency and accuracy
- Expedited project completion, consistently beating deadlines
- Mentored junior underwriters, boosting team skills and performance
- Implemented innovative credit analysis techniques to minimize risks
- Maintained stringent compliance with underwriting guidelines
- Conducted in-depth analysis of loan applications to ensure robust financial health.
Branch Manager
FLAGSHIP MORTGAGE
05.2008 - 04.2010
- Managed mortgage loan processing and branch operations, including overseeing the loan pipeline to ensure timely and quality processing of all loan applications
- Coordinated workflow both within the branch and with other departments
- Maintained compliance with all applicable laws and regulations to achieve satisfactory procedural and compliance audits exams of branch operations
- Effectively communicated new policies, procedures, and products to staff
- Maintained a high level of customer service both internally/externally
- Provided ongoing training, motivation, and team building of support staff
- Supervised and trained all processing and support staff including interviewing and making recommendations for hiring, and performance management
- Streamlined loan processing, enhancing branch efficiency and customer satisfaction
- Upheld strict compliance with financial regulations, ensuring zero non-compliance issues
- Fostered a supportive environment, boosting staff morale and productivity
- Implemented innovative training programs, significantly improving team skills and performance
- Analyzed branch operations, identifying key areas for process improvement
- Optimized branch workflow, enhancing processing speed and accuracy.
Owner/Manager
HMR Business and Financial Consultants LLC
07.2007 - 05.2008
- Identified and analyzed values for potential real estate acquisition or option opportunities in commercial and residential real estate
- Developed investment plan and strategy through optimization modeling to determine effective product mix to maximize ROI and wealth-maximizing transaction price to enhance portfolio and limited partner returns
- Prepared acquisition proposals & cash flow forecasts for potential real state acquisitions of all major property types
- Conducted due diligence processes including market analysis, property inspections & legal documentation review
- Prepared cash flow analysis using MS Excel
- Develop underwriting assumptions relating to income & expense projections, appropriate rent/price growth rates & pricing parameters
- Streamlined investment strategies, enhancing portfolio efficiency and partner gains
- Boosted ROI by refining property mix and transaction pricing in real estate investments
- Pioneered advanced market analytics for robust real estate investment forecasting
- Meticulously prepared legal and property inspection reports to secure investment accuracy
- Guided team through complex due diligence, increasing project delivery and stakeholder trust
- Optimized real estate portfolios by developing strategic investment models.
Underwriting Unit Manager (Retention)
HSBC/Household/Beneficial
06.1997 - 06.2007
- Responsible for managing all aspects of underwriting to enable the business to make sound credit decisions, improve service efficiency, maintain relations with sales and operations partners, while managing credit quality
- Provided leadership, guidance, and support to a staff of 20 Underwriters, and ensured administrative and operational compliance regulatory requirements and policies and procedures related to underwriting
- Also responsible for the development skills of subordinates through a combination of goal setting, delegation, training, counseling, performance management
- Recommended and approved staffing levels and personnel actions such as hiring, terminating, promotions, transfers, salary actions, training
- Established and approved performance goals, conducted performance appraisal reviews, documents performance, and recommends, executed, and approved disciplinary action
- Streamlined underwriting processes, enhancing credit decision accuracy and operational efficiency
- Led a team of 20, boosting compliance and underwriting capacity, directly enhancing client satisfaction
- Pioneered training programs that elevated staff skill sets, fostering a culture of continuous improvement
- Cultivated a supportive team environment, significantly reducing turnover through strategic HR initiatives
- Reduced staff turnover by implementing strategic HR policies
- Introduced advanced training modules enhancing team's underwriting skills.
Education
B.S. in Business Management -
Widener University-Delaware Campus
Wilmington, DE05.1992
Skills
- Cash Flow Analysis
- Market Analysis
- Fair Housing Regulations
- Training & Development
- Auditing
- Time Management
- Detail Oriented
- Quality Audits
- Underwriting
- Tax Experience
- Performance Management
- Financial Analysis
- Organizational Skills
- Strong Work Ethic
- Internal Audits
- Quality Control
- Strategic Planning
- Branding
- Business Development
- Communication skills
- Problem-solving abilities
- Mortgage Software Proficiency
- Regulatory Compliance
- Quality Assurance
- Social Media Marketing
- Customer Focus
- Design thinking
- Team Player
- Customer service-focused
- Friendly
- Cash Handling
- Loan Servicing
- Relationship building and management
- Consumer Lending
- Banking
- Client Relations
- Documentation Review
- Credit
- Document analysis
- Credit analysis
- Financial transactions expertise
- Mortgage lending
- Financial Advising
- Loans
- Loan Origination
- Financial Services
- Sales expertise
- Customer Service
- Problem-Solving
- Attention to Detail
- Excellent Communication
- Team Collaboration
- Active Listening
- Customer Communication
- Relationship Building
- Team building
- Interpersonal Skills
- Analytical Thinking
- Goal Setting
- Professionalism
- Task Prioritization
- Time management abilities
- Continuous Improvement
- Written Communication
- Adaptability
- Desktop Underwriter
- Personal Data Collection
- Credit Verification
- Loan Application Preparation
- Government Lending
- Problem-solving aptitude
- Closing support
- Property Appraisals
- Calculations Review
- Financial Data Collection
- Analytical Skills
- Mortgage Closing Scheduling
- General Mortgage Associate
- Loan Modification
- CRM Software
- Consumer Loan Underwriting
- Property Insurance Arrangement
Additionalinformation - Certification
Certified FL Notary Public
Personal Information
Title: Mortgage Quality Control Auditor/Mortgage Underwriter
Certification
- CNP - Certified Notary Public
Timeline
Commercial Loan Originator
Colosseum Investments, LLC
03.2022 - Current
Mortgage Quality Control Auditor
First Horizon Bank
11.2017 - 01.2022
Contract Forensic Underwriter/ Fannie Mae Putback Reviewer
Clayton Holdings LLC
08.2010 - 06.2017
Branch Manager
FLAGSHIP MORTGAGE
05.2008 - 04.2010
Owner/Manager
HMR Business and Financial Consultants LLC
07.2007 - 05.2008
Underwriting Unit Manager (Retention)
HSBC/Household/Beneficial
06.1997 - 06.2007
B.S. in Business Management -
Widener University-Delaware Campus
- CNP - Certified Notary Public
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