IVY POWELL
Tecumseh,MI
Summary
Driven Risk Analyst experienced in building client relationships and delivering daily support. Achieved impactful solutions through analytical thinking and creativity while assisting stakeholders in defining business requirements and writing functional specifications. Focused on continuous improvement and resolving complex issues to enhance business outcomes.
Overview
3
3
years of post-secondary education
17
17
years of professional experience
Work History
Quality Control Underwriter
Home Point Financial
Ann Arbor, MI
2019.10 - 2021.08
MB Financial Bank
Ann Arbor, MI
2009.12 - 2019.07
- Quality Control Analyst, August 2013-July 2019
- Correspondent Lending Specialist, April 2011 – August 2013
- Post Closing Team Lead, December 2009 – April 2011
Individual Loan Audit Contribution
- Completed full re-underwrite of mortgage loan files to assure eligibility for sale of the loan in the secondary market in both a pre-funding and post-funding capacity.
- Managed investor repurchase demands to safeguard company interests and ensure regulatory compliance. from investors.
- Conducted early payment default reviews to identify potential risks and enhance loan quality.
- Evaluated compliance with ECOA in Adverse Action reviews to mitigate risk and ensure adherence to regulations.
Compliance
- Leveraged over 13 years in Quality Control to ensure compliance with Reg B, Reg Z, Reg X, Fair Lending, Fair Credit reporting, ATR/QM, BSA/AML.
- Audited individual applications to ensure timely provision of disclosures, enhancing compliance accuracy.
- Completed training courses on regulatory compliance on relevant regulations and procedures.
Senior Quality Control Analyst II
Northpointe Bank
Grand Rapids, MI
2021.08 - Current
State/Federal Audits
- Engaged with state, federal, and internal auditors through verbal, written, and face-to-face interactions to facilitate the review process.
- Coordinated with management to develop responses to default deficiencies, enhancing audit readiness.
- Compiled and submitted documentation for audits, investigating and addressing deficiencies to ensure compliance.
Leadership
- Directed teams in process improvement initiatives and trained new clients on file flow procedures to enhance production efficiency.
- Delegated tasks among team members to maintain workflow.
- Demonstrated leadership qualities by guiding team members through various project tasks. by guiding team members through project tasks. by delegating tasks appropriately among team members.
- Advised senior leadership on potential investments, acquisitions, and other transactions.
Education
Bachelor of Arts - Business Management
University of Michigan - Dearborn
Dearborn, MI 1999.08 - 2002.12
Skills
- Regulatory Compliance
- Loan compliance
- Quality control
- Risk Management
- Operations Management
- Cross-Functional Collaboration
- Stakeholder Engagement
- Staff Development
- Loan compliance
Timeline
Senior Quality Control Analyst II
Northpointe Bank
2021.08 - Current
Quality Control Underwriter
Home Point Financial
2019.10 - 2021.08
MB Financial Bank
2009.12 - 2019.07
Bachelor of Arts - Business Management
University of Michigan - Dearborn
1999.08 - 2002.12