JAMIE L. PIRIE
Fallbrook,CA
Summary
Mortgage professional with 28 years of experience in loan operations, risk management, and regulatory compliance. Expertise in interpreting complex regulations and enhancing internal controls to support efficient loan production. Recognized for high-accuracy file reviews and strong regulatory judgment, effectively partnering with operations teams to resolve issues and improve processes.
Open to relocation opportunities.
Overview
28
28
years of professional experience
Work History
Compliance Officer, Real Estate Lending
San Diego County Credit Union
San Diego, CA
02.2017 - 02.2026
- Facilitated implementation and administration of credit union’s real estate lending compliance program, ensuring adherence to applicable laws and regulations.
- Managed HMDA, TRID, HPA, flood, TILA, RESPA, and ECOA compliance monitoring reviews of residential mortgage files.
- Evaluate and assess new lending laws, regulations guidance, and other regulatory developments to identify potential impact to real estate department operations
- Distributed information on regulatory changes and created strategic recommendations for management to strengthen compliance practices.
- Establish compliance procedures and propose enhancements for process efficiency.
- Oversee maintenance of HMDA procedures and submission of HMDA LAR to CFPB.
VP, Residential Lending Compliance Manager
Banner Bank
Everett, WA
05.2013 - 12.2016
- Led daily compliance efforts for Residential Lending Department, overseeing team of direct reports to ensure adherence to regulatory standards.
- Ensured compliance of all packages with regulatory requirements for mortgage documentation and performed recurrent monitoring and training of department staff to maintain compliant standards.
- Wrote, communicated and maintained Lending Compliance and Quality Assurance procedures.
- Implemented procedural modifications and revisions to comply with State and Federal regulations impacting residential mortgage loan origination.
- Recommended amendments to department policies and procedures, enhancing operational processes and compliance performance.
- Performed compliance analysis on loan packages including conventional, government, expanded criteria, construction and second lien mortgage loans utilizing bank policy and procedure.
- Implemented the Quality Assurance Review Program.
- Collaborated with internal and external auditors and examiners, achieving satisfactory outcomes in audits and examinations.
Operations / Quality Control Manager
1st Security Bank of Washington
Mountlake Terrace, WA
10.2011 - 05.2013
- Developed new mortgage division with the EVP of Mortgage Sales and EVP of Mortgage Operations.
- Set up, monitored, and documented origination, processing, underwriting, closing, and post-closing activities to ensure compliance and quality standards.
- Managed Loan Origination System to streamline workflow and enhance data accuracy.
- Investor liaison for 15+ Investors, including FNMA, FHLMC, FHA, VA and USDA. This included obtaining correspondent approval, selling loan files to the secondary market according to the investor requirements while maintaining high loan quality.
- Implemented the Quality Assurance and Quality Control Review Programs according to Agency and Investor requirements.
- Created and maintained procedures for Mortgage Division to standardize operations and improve overall efficiency.
Quality Control Manager
Sterling Savings Bank (formally Golf Savings Bank)
Mountlake Terrace, WA
01.2009 - 01.2011
- Direct mortgage loan quality control efforts to ensure compliance with the policies of Sterling Savings Bank, and the requirements of investors to which loans are sold including but not limited to FNMA,FHLMC, FHA, VA and USDA.
- Monitored accuracy of loan files and data integrity, ensuring completeness and accuracy.
- Ensured compliance with all requirements, guidance, and issuances from government agencies and investors purchasing loans from Sterling Savings Bank regarding loan quality procedures, controls, and policies.
- Analyzed quality control loan review results from internal and external parties, identifying areas for improvement.
- Maintained trend and pattern analysis of quality control review results to inform process enhancements.
- Reported deficiencies to senior management in a timely manner and initiated recommended corrective actions.
- Developed and maintained loan quality control procedures for the bank.
- Served as primary contact for audits and examinations of mortgage loan quality control, including reverse mortgages and loan servicing functions.
Operations Supervisor
Golf Savings Bank
Mountlake Terrace, WA
01.2006 - 01.2009
- Managed a team of direct reports.
- Ensure project goals are determined, documented and accomplished in an effort to increase bank efficiency and productivity and increase process performance.
- Developed and maintained origination procedures for the bank.
- Communicated new or updated policies and procedures to personnel.
- Coordinated audits conducted by federal agencies and private investors on behalf of employer, and responded to audit findings.
- Implemented corrective actions to address causes of loan file exceptions.
- Tracked trends and patterns in Quality Assurance and Investor review results to identify areas for improvement.
- Conduct Quality Control review of loans that contain possible fraud.
Loan Officer
First Horizon Home Loans
Lynnwood, WA
01.2004 - 01.2006
- Originated and processed mortgage loans, ensuring timely approvals for clients.
- Guided clients through mortgage application processes and documentation requirements.
- Evaluated creditworthiness and financial history to assess loan eligibility.
- Collaborated with real estate agents to facilitate property financing solutions.
Various
Washington Mutual Bank
Seattle, WA
01.1998 - 01.2004
- Branch Operations Manager, Marketing Coordinator, IT Business Analyst, Administrative Assistant, Mortgage Software Development, Funder, Processor, Receptionist.
Education
Diploma Received -
Auburn High School
Auburn, WA06-1995
Skills
- Regulatory compliance
- Mortgage regulations
- Lending operations
- Compliance monitoring
- Risk assessments
- Risk identification
- Exception management
- Control testing
- Audit preparation
- Regulation translation
- Compliance systems
- HMDA Reporting Tools
- Data analysis
- QA/QC review processes
- Policy writing
- LOS Platforms (Encompass, Empower, Mortgage Cadence, E3, Mortgage Builder)
- Analytical and critical thinking
- Cross-functional communication
- Ethical decision-making and integrity
- Microsoft office
- Compliance systems
- Process improvement
- Loan processing, underwriting, closing
- FNMA, FHLMC, FHA, VA, Rural Housing
References
Available upon request
Timeline
Compliance Officer, Real Estate Lending
San Diego County Credit Union
02.2017 - 02.2026
VP, Residential Lending Compliance Manager
Banner Bank
05.2013 - 12.2016
Operations / Quality Control Manager
1st Security Bank of Washington
10.2011 - 05.2013
Quality Control Manager
Sterling Savings Bank (formally Golf Savings Bank)
01.2009 - 01.2011
Operations Supervisor
Golf Savings Bank
01.2006 - 01.2009
Loan Officer
First Horizon Home Loans
01.2004 - 01.2006
Various
Washington Mutual Bank
01.1998 - 01.2004
Diploma Received -
Auburn High School