Jenny Boker
Zephyrhills,FL
Summary
I am a team player with strong attention to detail and able to work independently. I have a proven track record at delivering timely and accurate information in a fast-paced environment while being able to manage several business initiatives simultaneously. I have excellent critical thinking, problem solving, analytical and project management skill as well as a strong mortgage industry experience and background. I am experience in building multiple strong development teams that have expertise in all areas of mortgage lending including mortgage regulations and investor guidelines for Conventional, VA FHA, USDA, HELOC, and Jumbo as well as experience in all channels of originations such as Underwriting, Risk Review, Credit, Appraisal Review, Guideline & Restructure and Insuring & Guaranteeing both onshore and offshore.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Assistant Vice President
Pennymac Home Loans
01.2017 - 01.2024
- Operate risk management controls to ensure compliance with federal and state regulations
- Oversee coordination within multiple divisions and across all areas within Pennymac to ensure consistent and proper execution
- Effectively leverage resources to monitor queue performance, identify patterns and trends causing issues and work towards business solutions
- Develop new and more innovative, efficient processes to improve overall end to end cycle times or improve quality
- Support, recommend and implement technology initiatives
- Responsible for communicating daily, weekly, and monthly results to Management on departmental performance objectives
- Preform capacity and staffing planning to ensure adequate service levels are met
- Develop data analytics and transactional testing models to processes and identify procedural, systems or human failures
- Ensure the execution of audit test plans through data analysis, process reviews, transactional testing and personnel interviews
- Champion and drive improvements in process controls, including performing root cause analysis on complex processes
- Produce and present consolidated QA, QC and externally generated data into a comprehensive monthly reporting package
- Develop QC transactional test questionnaires by ensuring scope appropriately addresses risks related to regulatory and agency requirements
- Identify, research and analyze emerging risks related to mortgage originations, acquisitions and servicing.
Mortgage Loan Specialist
Busey Bank
St. Louis, Missouri
01.2015 - 01.2017
- Receive loan application files and updates LOS daily to ensure accuracy of reporting
- Gathers necessary documents to process loans and analyze credit, income, capacity and collateral to investor requirements
- Responsible for clearing any suspense issues and responding to Q.C
- Any issues related to the job function
- Process and underwrite FHA, VA, USDA, MHDC, FNMA, FHLMC, Jumbo, purchase and refinance, consistently maintaining Federal Regulations with HMDA, ECOA, RESPA, CFPB, TRID, and TILA standards.
Assistant Manager/Proficiency Coach/Conventional Underwriter HSSII
Bank of America
St. Louis, Missouri
01.2010 - 01.2014
- Train, coach, and provide management support for loss mitigation, default mortgage modifications in a Customer Assistance Center setting
- Face to face contact and phones interviews
- Responsible for file escalations and file audits for Loss Mitigation, Risk Management, and Default Servicing as well as audit all compliance standards to ensure CFPB standards are met
- System, compliance and process trainer
- Knowledge in regards to Conventional, FHA, VA, and USDA product requirements and guidelines
- Comprehensive knowledge regarding state, federal, regulatory, investor, and internal guidelines and policies in regards to the mortgage loan process
- Consistent in ability to quickly adapt to new demands and challenges while processing and underwriting various types of mortgage loans
- Evaluating AUS – DU, LP and GUS
- Ability to interpret and analyze credit reports, appraisals, title reports, flood certificates, income, GFE, TIL, and assets as well as other pertinent documents required for refinances and purchases.
Insurance Agent
Bankers Life and Casualty
08.2009 - 02.2010
- Life and Health Licensed
Financial Services Associate
Prudential Financial
01.2009 - 09.2009
- Annuities, Life and Health, FINRA Series 6 and 65 Certified
Home Service Specialist II
Bank of America
04.2008 - 12.2008
- Reverse Mortgage
Mortgage Loan Officer / Mortgage Loan Processor
Homestead Financial
11.2004 - 02.2008
Education
General Studies, Dental Assistant School for Certification, FINRA Series 6 and 65 Certified -
Southwestern Illinois College
01.1992
Skills
- Microsoft Proficient in Word, PowerPoint, Access, and Excel
- FHA Connection, VA Portal, AS400, SalesForce, Encompass, Avista Mortgage Bot
- Project Management Certified
- GUS/DU/LP AUS
- Business Administration
- Issue Resolution Skills
- Staff Management
- Business Life and Fundamentals Coach
- Operations Management
- Risk Management
- Project Management
- Procedure Implementation
- Performance Improvement
- Policy Development
- Business Development
- Policy Compliance
- Hiring and Coaching
- USDA, FHA, VA, LP, DU, HELOC and Jumbo product guidelines
Certification
- Finra Series 6 and 65
- Certified Business and Life Coach
Timeline
Assistant Vice President
Pennymac Home Loans
01.2017 - 01.2024
Mortgage Loan Specialist
Busey Bank
01.2015 - 01.2017
Assistant Manager/Proficiency Coach/Conventional Underwriter HSSII
Bank of America
01.2010 - 01.2014
Insurance Agent
Bankers Life and Casualty
08.2009 - 02.2010
Financial Services Associate
Prudential Financial
01.2009 - 09.2009
Home Service Specialist II
Bank of America
04.2008 - 12.2008
Mortgage Loan Officer / Mortgage Loan Processor
Homestead Financial
11.2004 - 02.2008
General Studies, Dental Assistant School for Certification, FINRA Series 6 and 65 Certified -
Southwestern Illinois College
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