James L. Dudley
Walden,NY
Summary
Results-driven Mortgage Operations Professional experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Overview
9
9
years of professional experience
Work History
General Professional Analyst - Mortgage Specialist
BC Forward For Citigroup Technology Inc
07.2022 - Current
- Developed process to identify and resolve discrepancies between Operations General Ledger and Private Banks mortgage division.
- Documented development of excel tools. Revisions kept to maintain records.
- Reviewed 1,500 loans to identify causes of issues within closed loans and determined which modifications needed to be made.
- Coordinated with cross-functional teams to resolve communication issues between Retail, Private, and Accounting teams.
- Maintained up-to-date knowledge of applicable laws and regulations.
Loan Structure Analyst
Superior Mortgage Co. Inc
12.2021 - 07.2022
- Returned after being contacted by Lisa Ferrara to assist accessing, organizing, and storing electronic files for anticipated compliance audit.
- Remained to assist 4 new Loan Originators determine appropriate structure for originated files
- Developed and maintained relationships with 3 real estate offices.
- Evaluated loan requests and documents to verify accuracy and completeness with new loan originators
- Paid attention to detail while completing assignments
- Developed and maintained courteous and effective working relationships
- Identified issues, analyzed information and provided solutions to problems
- Participated in team projects, demonstrating ability to work collaboratively and effectively
Director of Client Engagement
Homeland Lending, LLC
06.2020 - 10.2021
- Oversaw design of new processing procedures, improving file integrity.
- Oversaw transfer of processes from brokered loans to correspondent loans.
- Covered 1/3 of mortgage loan pipeline directly, to test and implement new software and procedures.
- Balance need for timely submissions with importance of accurate upfront file assessment to limit number of initial conditions at approval while meeting client expectations for quick initial status movement.
- Adjusted job duties to focus on assessment of specific loan areas to increase accurate analysis and tracking of compliance and eligibility requirements.
- Improvements to process decreased processing time by 10% despite increase in loan volume, and no additional back office staff.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Excellent communication skills, both verbal and written.
- Proved successful working within tight deadlines and a fast-paced environment.
- Adaptable and proficient in learning new concepts quickly and efficiently.
Contractor - Mortgage Closing
RealSoft Inc For Citigroup
04.2020 - 06.2020
- Coordinated several aspects of loan process from commitment through processing and closing.
- Ensured that loans were up to date on all open deliverables and proactively followed up with necessary parties to ensure missing documents are obtained.
- Preformed thorough reviews at each stage of closing, ensuring regulatory and process compliance.
Processing Manager
Cityscape Mortgage Corp
09.2019 - 04.2020
- Successfully managed team of 5 staff, providing assistance and answering questions.
- Collaborated with owner on process improvement initiatives to attain goals.
- Analyzed steps of activities to discern existence of business processes for formalization.
- Evaluated impact of process change on overall operation and determined return on investment.
- Improved efficiency and effectiveness of performance and management of processes across departments.
- Mentored departmental team, boosting efficiency, success and morale among employees.
Home Lending Advisor
JP Morgan Chase, CPC
07.2017 - 09.2019
- Served as branch designated Mortgage Lending Specialist, responsible for working with bankers and branch clients to drive mortgage sales, facilitate banker coaching, and retain mortgage clients through refinances
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Examined customer loan applications for loan approvals and denials.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
Loan Processor
Superior Mortgage Co. Inc
04.2015 - 06.2017
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
- Handled any conditions sent from underwriting departments.
Temp Consultant
Superior Mortgage Co. Inc
12.2014 - 04.2015
- Developed systems for filing new mortgage applications and initiated random file audits to track file completeness, accuracy, and compliance violations.
- Identified, investigated and documented compliance violations and recommended corrective measures across 800 loans.
- Identified gaps in existing compliance processes and recommended updates.
- Monitored and assessed compliance risks associated with operational processes and procedures.
- Investigated and documented all violations of compliance regulations to determine necessary improvements.
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Maintained up-to-date knowledge of applicable laws and regulations.
- Assisted with development of compliance objectives and strategies.
Education
Master Loan Processor Certification -
National Association of Mortgage Processors
Remote2019
Professional Training - Mortgage Compliance
JP Morgan Chase Training
Remote2017
Some College, No Degree - Accounting And Finance
SUNY Orange
Middletown, NY2014
Skills
- Regulatory Compliance
- Government Lending
- Financial Reports Analysis
- Operational Improvements
- Reading Comprehension
- Real Estate Title Concepts
- Charting and Graphing
- Government Standards
Timeline
General Professional Analyst - Mortgage Specialist
BC Forward For Citigroup Technology Inc
07.2022 - Current
Loan Structure Analyst
Superior Mortgage Co. Inc
12.2021 - 07.2022
Director of Client Engagement
Homeland Lending, LLC
06.2020 - 10.2021
Contractor - Mortgage Closing
RealSoft Inc For Citigroup
04.2020 - 06.2020
Processing Manager
Cityscape Mortgage Corp
09.2019 - 04.2020
Home Lending Advisor
JP Morgan Chase, CPC
07.2017 - 09.2019
Loan Processor
Superior Mortgage Co. Inc
04.2015 - 06.2017
Temp Consultant
Superior Mortgage Co. Inc
12.2014 - 04.2015
Master Loan Processor Certification -
National Association of Mortgage Processors
Professional Training - Mortgage Compliance
JP Morgan Chase Training
Some College, No Degree - Accounting And Finance
SUNY Orange
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