Dawn Lopez
Lowell,MI
Summary
Top-notch Direct Endorsed Underwriter; CHUMS ID #KY71. Possesses strong mathematical, statistical, and problem-solving skills. Conscientious and committed to adhering to underwriting guidelines and standards. Self-motivated, diligent individual with strong work ethic.
Overview
14
14
years of professional experience
Work History
AML Analyst
Lake Michigan Credit Union
09.2022 - Current
- Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions.
- Improved reporting accuracy by meticulously reviewing customer profiles and transaction activities.
- Ensured accurate record-keeping of AML documentation, maintaining organized files for easy retrieval during audits or investigations.
- Performed ongoing reviews of customer accounts, identifying changes in behavior indicative of potential money laundering risks.
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries.
- Read fraud and security risk management-related articles and white papers and took part in webinars to keep abreast of changes in fraud and security landscape.
- Scrutinized and reported on discrepancies in financial records and documents.
Quality Control Analyst II
Northpointe Bank
10.2017 - 07.2022
- CHUMS ID #KY71
- Performed Pre-close full re-underwrite of full file to ensure loans demonstrate prudent underwriting judgment, and comply with Fannie Mae, Freddie Mac, Federal Home Loan Bank, FHA, VA and USDA guidelines
- Developed comprehensive documentation, maintaining accurate records of quality control results and actions taken.
- Performed case-investigations of potential fraud and suspicious activity, reported findings with filing recommendations to BSA Management
- Provided timely Information to Production and Retail Management relating to loans with significant defects.
- Improved overall production efficiency by identifying and resolving quality control issues.
Direct Lending Underwriter II
Fifth Third Bank
06.2010 - 07.2016
- Analyzed unique loan scenarios with common sense underwriting to determine a solid credit risk.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Demonstrated a consistent monthly Accuracy Ratio of 97% or above.
- Analyzed complex income structures including Schedule C, Schedule E Rental and K-1 (multiple) business, and all other corporate income sources.
- Assisted in training new Underwriters.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed compliance, title documents, and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
Education
Paralegal Studies Program -
Davenport College
Grand Rapids, MI01.1999
Skills
- FHA Guidelines
- FNMA Guidelines
- Direct Endorsed
- Property Inspection
- Strong analytical skills
- Decision-making capabilities
- Financial statement analysis
- Professional ethics
- Documentation Review
- Continuous learning mindset
- Data Interpretation
- Residential Loans
- Debt-to-Income Ratios
Timeline
AML Analyst
Lake Michigan Credit Union
09.2022 - Current
Quality Control Analyst II
Northpointe Bank
10.2017 - 07.2022
Direct Lending Underwriter II
Fifth Third Bank
06.2010 - 07.2016
Paralegal Studies Program -
Davenport College
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