Jennifer Robinson
Novi,USA
Summary
Experienced and analytical mortgage professional with over 20 years in third-party due diligence reviews and QC auditing. Proficient in identifying documentation discrepancies, and performing in-depth TRID and RESPA audits in environments with a strong grasp of FNMA, FHLMC, FHA/VA, Non-QM. Lead audit teams with a reputation for integrity, accuracy, and speed.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Due Diligence Underwriter/ Compliance Analyst/Non-QM Sr. Underwriter
Infinity International
05.2016 - 04.2025
- Conduct due diligence and quality control audits on residential mortgage standards
- Re-underwrite post-close loans to identify critical issues, validate
- Perform TRID and RESPA audits to verify disclosure accuracy and
- Document and escalate defects, assist with fraud reviews and litigations
- Completed projects for QC/Due Diligence with extensive Review
- Audited TRID, RESPA, Reg Z, and Due Diligence Loan files in compli
- Per Project
Data Administrator
Coaction Specialty Insurance/ Contract Robert Half
11.2023 - 01.2025
- Handled customer claims, coding of claims
- Special projects per assigned based on client deadlines
- Processed and Released, Magna invoices
- Worked with external stakeholders regarding follow-up, etc.
- Contracted by Robert Half
Market Research Pricing Analyst
Sysco Corporation/Contract Randstad
12.2022 - 11.2023
- Responsible for engagement, development, and execution of Global
- Serves as approval point for Sysco funded exceptions and other cus
- Utilized CRM/ Salesforce system to process/analyze Sales Consult
- Reviewed and processed approvals/rejections for customer credit
- Performed expertise on applicable processes and programs impacti
- Contracted by Randstad
Due Diligence Underwriter
Phoenix Group
08.2022 - 11.2022
- Completed detailed TRID and credit reviews on post-close mortgag
- Utilized Scienna Andor system
- Remote
Sr. Conventional Underwriter/Jumbo Underwriter
Change Wholesale Mortgage
07.2021 - 07.2022
- Reviewed and decisioned Non-QM Community mortgages including
- Reduced turnaround time for loan decisions by consistently meetin
- Signing Authority up to $3,500,000
- Underwrote other Change Wholesale programs including Alt Doc, 1
- Second Liens and Prime Plus Underwrote Conventional Loans includ
- Manage pipeline including conditions, details and trained on new p
- Analyzed financial statements and credit data for (SBA) Small Busin
- Collaborated with commercial lenders to structure credit terms th
- Remote
Due Diligence Underwriter
Recovco Mortgage Management
12.2019 - 08.2020
- Performed TRID, credit, and compliance reviews on Conventional
- Led risk assessments and defect tracking through investigative re
- Remote
Due Diligence Underwriter & Frontline Underwriter
Indecomm Global Services
09.2016 - 04.2017
- Frontline underwriter for FNMA/FHLMC Refi Plus, DURP, HARP, a
- Reviewed loans for QC and compliance accuracy, using Encompass
- Remote
QC/Due Diligence Underwriter & Compliance Analyst
Stewart Lending Services/Stewart Title
09.2014 - 08.2016
- Reviewed Underwriters findings of closed loans (purchases/streaml
- Misrepresentation of HUD guidelines: FNMA, FHLMC, FHA/Conventio
- Audited TRID, RESPA, Reg Z, and Due Diligence Loan files in compli
- Reviewed high volumes of non-performing loan files, performing ris
- And initiated necessary action to mitigate losses.
- Maintained sound knowledge of Freddie MAC guidelines, LP/DU/Tot
- Loans.
- Identified transaction components indicating potential fraud and po
- Utilized strong verbal and written communication skills, to ensure
- Managers, and Closing.
- Reviewed non-performing loan files, performed risk analysis, and r
- Necessary action to mitigate losses.
- Contracted by Pinpoint Staffing
Mortgage Conventional Underwriter
United Wholesale Mortgage
09.2011 - 08.2014
- Analyzed final approvals and reviewed the entire loan file through
- Compliance.
- Reviewed and decisioned Conventional loan files conventional loan
- While maintaining company 1 day turn-time expectations and exce
- Ability to assess an individual’s creditworthiness while adhering to
- Analyze credit, income, assets, Fannie Mae Desktop Underwriter (D
- Integrity.
- Performed underwriting of specialty programs, TX 50(a)(6), Fannie M
Contract Mortgage Processor & Closer
Flagstar Bank
01.2007 - 01.2010
Loan Originator/Processor
CBC National
01.2002 - 01.2007
Education
Bachelor - Business/ Finance
University of Detroit Mercy
Skills
- Computer Skills: Microsoft Office (Word, PowerPoint, Access, and Outlook) AS400 SharePoint; Pricing Manager (PCI)
- Due Diligence & QC Audits
- TRID, RESPA, Reg Z Compliance
- Post-Closing File Review
- Credit, Income, and Collateral Val
- Risk & Fraud Analysis
- Manual Re-Underwriting
- FNMA, FHLMC, FHA/VA, Non-QM
- Mavent, LauraMac, AUS, Complian
- SLA Management & Remote Team
- Mortgage Software: Encompass, Point, Mortgage Builder
- Quality Control
Affiliations
National Notary Association - Current
Certification
- National Mortgage Licensing System (NMLS)
- Notary Public (State of Michigan/Court Commission Expires 7/2029)
Timeline
Data Administrator
Coaction Specialty Insurance/ Contract Robert Half
11.2023 - 01.2025
Market Research Pricing Analyst
Sysco Corporation/Contract Randstad
12.2022 - 11.2023
Due Diligence Underwriter
Phoenix Group
08.2022 - 11.2022
Sr. Conventional Underwriter/Jumbo Underwriter
Change Wholesale Mortgage
07.2021 - 07.2022
Due Diligence Underwriter
Recovco Mortgage Management
12.2019 - 08.2020
Due Diligence Underwriter & Frontline Underwriter
Indecomm Global Services
09.2016 - 04.2017
Due Diligence Underwriter/ Compliance Analyst/Non-QM Sr. Underwriter
Infinity International
05.2016 - 04.2025
QC/Due Diligence Underwriter & Compliance Analyst
Stewart Lending Services/Stewart Title
09.2014 - 08.2016
Mortgage Conventional Underwriter
United Wholesale Mortgage
09.2011 - 08.2014
Contract Mortgage Processor & Closer
Flagstar Bank
01.2007 - 01.2010
Loan Originator/Processor
CBC National
01.2002 - 01.2007
Bachelor - Business/ Finance
University of Detroit Mercy
Training
Fair Lending; Anti-Money Laundering Compliance Training; Mortgage Fraud
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