JASON T. GARBER
Lancaster,OH
Overview
26
26
years of professional experience
Work History
VP – Quality Analysis Mgr
J.P. Morgan Chase Bank
01.2019 - 12.2022
- Responsible for successfully leading the HMDA Reporting and Mortgage Disclosure Fee Groups
- Developed new fee architecture and monitoring continually saving company $5+ million/yr
- Created comprehensive HMDA data management process to ensure accurate/timely regulatory filings
- Worked directly with internal/external auditors to provide detail and support for fee and HMDA processes
- Continuously passed internal/external audits due to new processes implemented
- Oversight to all interviewing and hiring of potential new employees within Quality Department
- Part of elite J.P
- Morgan Chase Executive fast track group.
AVP – Quality Control Mgr
J.P. Morgan Chase Bank
01.2015 - 12.2018
- Managed Production Quality programs to ensure all state and government regulations were met
- Liaison between Operations, Compliance, Legal and Audit
- Created and implemented any new quality review monitoring items
- Managed managers with an umbrella of more than 100+ staff
- Actively involved in all Audits, Internal and External
- Proficient in leading town hall discussions, monthly reporting walkthroughs, meeting chair activities.
Officer - Compliance Officer
J.P. Morgan Chase Bank
02.2006 - 12.2014
- Responsible for maintaining operational quality within the Home Loan Direct (HLD) organization
- Created and revised/updated policies and procedures for HLD Prime
- Provided guidance to HLD to ensure compliance with Federal, State, and Chase policies and procedures
- Performed file reviews and managed weekly and monthly reports of documented results and action plans
- Completed quarterly and semi-annual Quality Assurance reviews
- Conducted reviews of any exception files found in Federal Compliance audits and prepared written responses
- Ensured HLD personnel had detailed understanding of compliance regulations
- Performed new hire compliance training.
Senior Loan Analyst
J.P. Morgan Chase Bank
10.2001 - 01.2006
- Reviewed multiple reports to ensure proper disclosures, required by state and federal regulations, were issued to customers
- Tracked quality and vendor timelines to verify they were meeting their contractual obligations
- Obtained and reviewed documents for acceptability against loan conditions
- Coordinated with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions, and perform proper closings
- Validated proper hazard insurance was obtained and property taxes were current.
Branch Manager
Wells Fargo & Co.
06.1999 - 09.2001
- Finalized approved loans based on specified guidelines for entire branch
- Reviewed branch financial statements to properly manage profit and loss
- Examined credit information and provided final approval on applications
- In charge of analyzing daily, monthly, and quarterly branch reports
- Evaluated office goals with reference to income, profit, and loan statistics
- Implemented strategic plans to combat any irregularities in data information
- Supervised and conducted training of branch personnel
- In charge of lawsuits, repossessions, and legal actions.
Credit Manager
Wells Fargo & Co.
06.1997 - 06.1999
- Completed comprehensive training program under supervision of Branch Manager
- Sharpened sales techniques, practiced credit investigations, loan interviewing skills, and loan analysis
- Solicited present and former qualified customers
- Closed loans while recognizing appropriate opportunities for larger loans
- Exercised problem-solving techniques dealing with collection accounts
- Responsible for servicing both new and current retail dealers.
Education
Bachelor of Arts in Economics - undefined
Denison University
Granville, OH05.1997
Skills
- Proficient in most Mortgage Based Systems including Mortgage Express, CLOSR, RCO, Black Knight Systems including ERNST Fee Exchange, Government HMDA Reporting site
Referencesavailable
True
Timeline
VP – Quality Analysis Mgr
J.P. Morgan Chase Bank
01.2019 - 12.2022
AVP – Quality Control Mgr
J.P. Morgan Chase Bank
01.2015 - 12.2018
Officer - Compliance Officer
J.P. Morgan Chase Bank
02.2006 - 12.2014
Senior Loan Analyst
J.P. Morgan Chase Bank
10.2001 - 01.2006
Branch Manager
Wells Fargo & Co.
06.1999 - 09.2001
Credit Manager
Wells Fargo & Co.
06.1997 - 06.1999
Bachelor of Arts in Economics - undefined
Denison University
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