Jammie Kemp
St. Louis,United States
Summary
Detail-oriented compliance professional with extensive experience in loan processing and reporting, adept at navigating state and federal regulations. Proven expertise in document preparation and collection processes ensures adherence to industry standards and enhances operational efficiency. Committed to maintaining compliance while fostering strong relationships with stakeholders. A proactive approach to problem-solving and a thorough understanding of regulatory requirements contribute to successful outcomes in fast-paced environments.
Overview
23
23
years of professional experience
Work History
Home Loan Specialist
PennyMac
St Louis, MO
03.2026 - 06.2026
- Directed data entry and validation operations to ensure high-quality data management standards.
- Assisted in processing third-party orders for title,vesting certifications, CPL, and wire instructions to improve operational systems. Supported borrower authorizations to promote clear-to-close results. Aided in developing accurate preliminary ALTA.
- Managed timely responses to routine emails and chat inquiries, enhancing customer engagement.
- Optimized work queue and pipeline workflows to enhance operational efficiency.
Compliance Associate
Justine PETERSEN
St. Louis
07.2022 - 03.2026
- Conducted thorough reviews of business and consumer loan submissions, facilitating alignment with SBA, CA IgniteMO, and USDA standards.
- Secured certificates of good standing for CAIVRS and SAM flood certifications, enhancing compliance status. Streamlined the certification process, resulting in timely acquisition of essential documentation. Achieved improved regulatory standing through effective management of certification requirements.
- Managed data entry processes and maintained up-to-date compliance SOP guidelines to support regulatory adherence.
- Managed legal issue resolution and formulated comprehensive collections packages. Oversaw the development of collections packages while addressing legal challenges. Directed the creation of collections materials and assisted with legal matters.
- Oversaw tracking of client bankruptcies and managed submission of proof of claims. Directed efforts in monitoring client bankruptcies and coordinating claims submissions. Led initiatives to track bankruptcies and submit necessary proof of claims.
- Managed reporting dispute processes in e-Oscar to rectify credit reporting issues and enhance data accuracy.
- Analyzed financial data and generated monthly SBA 7(a) reports for stakeholder review and decision-making.
- Coordinated and maintained all necessary state and federal registrations for Missouri, Illinois, California, Michigan, Ohio, and Washington.
- Directed the strategic planning and execution of filing requirements and loan license acquisition across multiple states, optimizing regulatory processes. Led and supervised comprehensive processes to oversee filings and secure loan licenses, aligning state-specific requirements with organizational objectives. Steered the oversight of critical documentation and licensing processes for key states, advancing strategic compliance initiatives.
- Reviewed examination findings and instituted updated standard operating procedures to ensure compliance and effectiveness.
- Oversaw the creation of collateral documents to enhance project outcomes. Managed the preparation of collateral documents to support strategic initiatives. Directed the development of collateral documents, ensuring alignment with project goals.
- Crafted tailored client portfolios in tea to showcase product offerings and meet client preferences.
- Oversaw document verification process to guarantee completeness of client folder uploads.
- Improved audit efficiency by coordinating with state auditors from Tennessee, Illinois, Kentucky, Michigan, Missouri, and Ohio. Strengthened compliance outcomes through collaboration with auditors across TN, IL, KY, MI, MO, and OH. Achieved enhanced audit accuracy by working closely with state auditors in TN, IL, KY, MI, MO, and OH.
- Utilized Simplifile to systematically record and maintain all collateral documentation.
- Managed online UCC filing processes for Illinois, Missouri, and Kansas. Oversaw the submission of UCC filings, ensuring compliance with state regulations.
- Analyzed and documented all closed loans for CILA and MRF loans, ensuring accurate submission to SBA.
Underwriting Analyst
The Federal Savings Bank
St. Louis
08.2021 - 04.2022
- Evaluated credit risk to inform lending strategies and mitigate financial exposure.
- Assisted in verifying documents by reviewing credit reports, flood certifications, and customer records. Supported accurate assessment of credit reports and flood certifications to enhance documentation reliability. Contributed to improved operations through careful examination of credit reports, flood certifications, and customer documentation.
- Engaged with three loan officers to clarify documentation needs, facilitating a seamless approval process for a pipeline of 64 loans.
- Optimized underwriting procedures to enhance efficiency and maintain high-quality standards.
- Spearheaded knowledge transfer initiatives to junior analysts, enhancing skills in risk assessment and underwriting analysis.
- Performed detailed assessments of borrower financial profiles to facilitate informed lending decisions.
- Assessed loan applications to identify risk levels and ensure adherence to underwriting compliance standards.
Document Analyst
Guaranteed Rate
St. Louis
09.2020 - 08.2021
- - Obtain and review customer documents
- - Reviewed and updated credit and loan profiles and loan
- Analyzed complex loan documents to ensure compliance with regulatory standards.
- Evaluated documentation accuracy, identifying discrepancies and initiating corrective actions.
- Collaborated with cross-functional teams to streamline document processing workflows.
- Developed and implemented best practices for document management systems.
- Mentored junior analysts on document review processes and industry regulations.
- Led initiatives to enhance data integrity within documentation systems, improving overall efficiency.
- Enhanced document quality by conducting thorough reviews and identifying errors in content, format, and grammar.
- Responded to management expectations and solicited feedback to improve performance.
- Conducted regular audits on documentation systems to identify areas for improvement and maintain accuracy.
Loan Processor
U.S. Bank
St. Louis
08.2019 - 09.2020
- - obtained and reviewed customer documents
- - placed orders for appraisals, preliminary title reports, credit reports
- - Worked closely with assigned Mortgage Loan Officers
- Reviewed loan applications for completeness and accuracy, ensuring compliance with lending guidelines.
- Collaborated with underwriters to resolve discrepancies and expedite loan processing timelines.
- Maintained detailed records of loan transactions using proprietary banking software to ensure data integrity.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
Document Specialist
State Farm
St. Louis
02.2003 - 07.2018
- Enabled effective project implementation by fostering communication and coordination among compliance officers and diverse departments.
- Analyzed compliance requirements and advised on policy development and execution to ensure robust regulatory adherence across all business lines.
- Monitored and assessed changes in federal and state laws and regulations to guide organizational policy revisions.
- Interpreted regulatory modifications and suggested enhancements to current procedures for optimal compliance alignment.
- Reviewed and confirmed daily transactions associated with mortgage loan accounts, guaranteeing accuracy in financial documentation.
- Investigated and rectified inconsistencies within data and process flows to ensure dependable outcomes.
- Led initiatives to streamline loan distribution among departmental staff, resulting in improved productivity through targeted training for new employees. Optimized loan assignments and enhanced team performance by driving effective onboarding processes for new hires.
- Conducted thorough assessments and finalized rate lock agreements for expiring mortgage loans to maintain compliance with industry regulations.
- Conducted analysis of job roles and process flows to improve operational efficiency across departments.
- Conducted thorough analysis of pricing reports to uncover discrepancies and developed targeted solutions to optimize pricing accuracy.
- Conducted comprehensive assessments of compliance protocols to maintain regulatory integrity in banking operations.
Education
Bachelor of Arts - Business Management
Webster University
St Louis, MO05-2017
Skills
- Advanced knowledge of LaserPro functionalities
- Mortgage loan processing
- Thorough review of documentation
- Familiarity with mortgage regulatory standards
- Compliance management
- Cross-functional teamwork
- Effective problem resolution
- Proficient in handling multiple task
- Skilled in Microsoft Office applications
- Advanced Simplifile skills
- Salesforce specialist
- Advanced MAIRS knowledge
- Proficient in Vista Share
- LenderFit specialist
- Vesta
- E-Oscar proficiency
Timeline
Home Loan Specialist
PennyMac
03.2026 - 06.2026
Compliance Associate
Justine PETERSEN
07.2022 - 03.2026
Underwriting Analyst
The Federal Savings Bank
08.2021 - 04.2022
Document Analyst
Guaranteed Rate
09.2020 - 08.2021
Loan Processor
U.S. Bank
08.2019 - 09.2020
Document Specialist
State Farm
02.2003 - 07.2018
Bachelor of Arts - Business Management
Webster University