Jessica M. Mitchell
San Antonio
Summary
Research and interpret complex regulations and compliance to ensure adherence by the organization. Experience with Risk management, trained to research transactions to identify suspicious activity on commercial/consumer/mortgage documents. Subject matter expert in loan operations. Highly professional, dependable, reliable, and able to perform duties with minimal supervision.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Loan Operation Quality Control Consumer/Commercial/SBA Loans
TransPecos Bank
08.2023 - 08.2025
- Support and complete operational tasks related to banking, ACH, checks, and wires; including daily processing of incoming and outgoing wire transfers, ACH files, check exception processing; collections; internal and quality controls monitoring
- AML/BSA/OFAC monitoring and filing with AML software experience
- Support loan officers with reviewing loan documentation for errors, accuracy, & fraud.
- Provide reports and analysis of financial accounts and EFT records on a regular basis
- Process government reclamations, ACH stop payment requests, and Written Statement of Unauthorized ACH Debits according to regulations and established policies and procedures.
- Fund various types of loans such as commercial, consumer, mortgage, & Chattel mobile homes
- Collaborate with cross-functional teams, including Risk, Compliance, Technology, third party service providers to implement controls and procedures to mitigate BSA/AML risks.
- Accurately input loan information into systems, maintaining data integrity.
- Complete all aspects of transaction monitoring, suspicious activity reporting, customer identification processes, customer due diligence processes, enhanced due diligence processes, OFAC sanctions, and currency transaction reporting
- Proficient with Participation loans as lead bank, organizes and manages the participation deals working directly with other Banks/Credit Unions
- Set up Wire transactions for Participation loans and utilize Bank Labs software
- Follows FDIC guidelines and requirements to follow policies and procedures
Loan Post-Closing Specialist
Frost Bank
08.2022 - 07.2023
- Assisted with implementing the launch of the Frost mortgage department
- Assisted with writing policies and procedures for post closer roles
- Responsible for performing audit review of signed loan documents and performing system checks
- Responsible for researching loans concerning inquiries about exceptions, errors, and discrepancies
- Prepares required reports and ensures accuracy and timely delivery to appropriate department
Mortgage Loan Officer/Post Closing Specialist
USAA Federal Savings Bank
07.2007 - 06.2022
- Follow up with internal and external third parties to obtain loan documentation needed to complete and satisfy the loan file for purchase to our investors.
- Determines the issues and audit techniques that can be used to resolve the issue.
- Conducts extensive legal research and analyzes closing document prepared by the title company or attorney to identify specific endorsements that are required.
- Review, analyze and evaluate pipeline reports initiatives to identify barriers.
- Conducts independent examinations of the most complex title policies and recorded Deed of Trust.
- Works suspense pipeline reports to correct discrepancies on closing documents.
- Works recertification pipeline reports to correct exceptions from our investors.
- Reconcile and cure all deficiencies identified during the review of the collateral package within the specified timeframes and guidelines established by Secondary Marketing investors.
- Experience with understanding risk, compliance, and regulatory requirements for the banking industry.
- Recommend strategies for eliminating barriers between third party vendors to resolve compliant resolution.
- Plan, prepare, develop, and implement reporting spreadsheets for management review
- Proficient in meeting deadlines, answering phone calls, and returning emails in a timely manner.
- Investigate closing documents to ensure there are no discrepancies.
- Adherence to mortgage compliance policies, procedures, federal and state regulations.
- Manage compliance risk by conducting quality assurance reviews as well as compliance risk assessments.
- Possess excellent knowledge of Mortgage Loan operations and guidelines/Analyzes data to ensure all guidelines are met on loans for audit purposes and provides timely assessments of overall quality work.
- Ensure overall quality, effectiveness and service excellence, adherence to USAA's commitment to being World Class.
- Possess excellent knowledge of Mortgage Loan operations, underwriting guidelines, policies, and procedures in multiple departments.
- Ability to handle multiple tasks and maintain accurate work, gathers, and organizes required documentation for underwriting guideline
- Proficient in meeting deadlines and working in a team environment and excellent in reviewing files for accuracy
- Responsible for overseeing all urgent loan procedures and sending loans to our investor
- Utilize multitude of databases to systematically gather data of different agencies
- Works with outside third-party vendors if it has been identified that the closing documents have discrepancies and assist with resolving the issue.
- Highly skilled in working independently and in collaboration with others and proficient working with all lines of business for the Real Estate and Post Closing.
E4-Specialist/Team Leader
United States Army Reserve
07.2007 - 06.2012
- Promoted within a short period by demonstrating an over-achieving dedication that maximized results for the entire team.
- Provided internal customer service by relating with all personnel with a professional manner that facilitated the development of a diversified group.
- Enhanced soldiers' individual and professional growth, developing them into independent decision makers along with leadership skills.
- Secured the personal safety, training, and performance of U.S. Army soldiers.
- Superior writing and communication skills.
- Logistics and Recruiting Training
- 5501st United States Army Hospital (USAH BAMC)
Education
Master's degree - Criminal Justice
American Military University
12.2017
Bachelor's degree - Psychology
American Military University
06.2015
Skills
- Friendly, positive attitude
- Teamwork and collaboration
- Customer service
- Analytical problem-solving
Affiliations
Induction to The National Society of Leadership and Success- American Military University- 2023
Certification
- Licensed Notary Public- Expires 09/05/2027 License #134540834
- Certificated Sports Coach for- CYO, YMCA, & City of San Antonio Spurs Youth League
Timeline
Loan Operation Quality Control Consumer/Commercial/SBA Loans
TransPecos Bank
08.2023 - 08.2025
Loan Post-Closing Specialist
Frost Bank
08.2022 - 07.2023
Mortgage Loan Officer/Post Closing Specialist
USAA Federal Savings Bank
07.2007 - 06.2022
E4-Specialist/Team Leader
United States Army Reserve
07.2007 - 06.2012
Master's degree - Criminal Justice
American Military University
Bachelor's degree - Psychology
American Military University