JOYCE BROADWATER

Work History

Due Diligence Underwriter

The Stonehill Group

Atlanta, GA

06.2021 - 12.2022

Analyzed calculations and verifications of income & assets, and evaluations of credit reports, purchase contracts, appraisals, title commitments, and other loan pertinent documentation
Stayed current on all agency, state and federal guidelines, and participate in ongoing training as industry evolves
Reviewed internal review results, rebuttal documentation
Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services
Assisted with analysis and data gathering in support of risk assessment
Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service

Frontline Underwriter

Hometown Equity Mortgage, LLC

Lake Forest, CA

12.2020 - 03.2021

Evaluated the credit worthiness of loan applicants, to ensure loans insurability and salability
Prepared loans to be in compliance with company and investor underwriting guidelines
Liaised with loan originators, gathering information to defend underwriting decisions
Met 24-48 hour timeline consistently, turning around applications quickly with firm approval or denial decisions
Working knowledge of AUS, Microsoft Office, Desktop Underwriter, and Encompass.

Frontline Underwriter

Heitmeyer Consulting, Huntington Bank

Westerville, OH

09.2020 - 12.2020

Hired to help with Refinance back log - Responsible for underwriting Conventional loans received from mortgage loan originators and/or mortgage brokers to ensure that all credit and compliance documents are included for final review and approval.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Maintained mortgage program compliance with federal companies, Fannie Mae and Freddie Mac.

Bank Business Loan Underwriter

Heitmeyer Consulting, Citizens Bank

Westerville, OH

04.2020 - 09.2020

Worked with the Business Banking Team to underwrite their database of business banking customers who applied for financial assistance under the SBA's paycheck protection program (PPP program)
Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service
Delivered high levels of customer service to facilitate smooth processes
Resolved file problems, bottlenecks and qualified issues throughout underwriting process.

AML Consumer Risk Analyst

Aston Carter, Sun Trust Plaza

Atlanta, GA

03.2019 - 01.2020

Responded to regulatory requests, researched, analyzed and investigated customer account behavior for potential Anti-Money Laundering (AML) related suspicious activity
Determine if a SAR should be filed with Financial Crimes Enforcement Network (FinCEN)
Filed SARs within regulatory timeframes and in accordance with BSA/AML policies and procedures
Conducted BSA/AML risk reviews; with advanced working knowledge of BSA/AML rules and regulations, including KYC, OFAC compliance, specifically in regards to auditing, transactional monitoring, EDD, remediation; along with other industry-related regulatory requirements, and operational risk concepts
Identified potential threats, vulnerabilities and suspicious behavior patterns and recommended mitigation measures
Liaised with leadership to discuss customer activities and trends that implicated potential money laundering or terrorist financing
Investigated fraud referrals and researched to minimize risk and resolve inquiries

Compliance Underwriter

Infinity IPS

Rockville, MD

11.2018 - 03.2019

Remote position - evaluated groups of sub-performing and non-performing portfolios of mortgage loans for different Bank clients
Reviewed loan files for federal and state regulatory compliance concerns
Evaluated and reviewed documentation to include RESPA, GFE's, HUD-1's for compliance

AML Compliance Analyst

Capital Advisors, LLC

Austin, TX

09.2016 - 06.2017

Responsible for reviewing groups of sub-performing and non-performing portfolios of mortgage loans for a variety of clients
Reviewed loan files for federal and state regulatory compliance
Reviewed and evaluated alerts/cases for potentially suspicious activity and make recommendation for manager's approval or refer to escalation.

Compliance Analyst

Mortgage Industry Advisory Corporation, MIAC

New York, NY

09.2016 - 09.2016

On site Bank review of customer and account activity including transactions and customer relationships to accurately identify red flags and suspicious activities that require reporting for money laundering activities to make SAR filing determination
Reviewed company policies against best practices to better understand level of compliance
Completed in-depth reviews of audit reports, client actions and monitoring activities

Forensic Underwriter

Slate Professionals, New Oak Capital Markets, LLC

Freehold, NJ

05.2015 - 08.2016

Re-underwrote closed loan files and prepared rebuttals for litigation cases
Evaluated and reviewed file documentation to include RESPA, GFE's, HUD-1's for compliance
Performed post closing quality control audits in order to respond to and successfully defend against repurchase demands.

Diligence Underwriter

Clayton Holdings

Riverview, FL

05.2014 - 08.2014

Underwrote foreclosed loans per DU, LP and Clue's findings to re-assure the accuracy of the initial approval
Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines

Underwriter

Compugain, LLC

Herndon, NV

08.2013 - 02.2014

Performed quality control audits for broker loans, both FHA and Conventional loans
Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines

Remote Underwriter

Mela Capital Group

Sunrise, FL

03.2013 - 07.2013

Performed due diligence review of closed mortgage loans for legal cases.
Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
Collaborated with loan originators and processors to correctly review and assess applications and risks
Liaised with lenders, appraisers and other third parties to communicate needs and requirements
Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.

Mortgage Compliance Review Consultant

Solomon Edwards Group - Bank of America

Wayne, PA

04.2012 - 12.2012

Reviewed bank documentation and performed forensic underwrites on selected class of portfolio in order to determine “HARM” to the borrower through Institutional Servicers actions in contravention to policies and procedures (Look back included Conventional, FHA, SCRA and Reverse Mortgages)
Displayed strong telephone etiquette, effectively handling difficult calls.
Resolved product or service problems by clarifying customer complaints and determining optimal solutions
Referred unresolved customer grievances to designated departments for further investigation.

Founder

Integrity Financial Solutions, Inc, Integrity Mortgage Solutions

Sarasota, FL

01.1998 - 06.2012

Opened, operated and managed a successful mortgage brokerage business with offices in three locations and two states; Underwrote loans and evaluated credit worthiness of clients to ensure loan insurability and salability; Conducted forensic due diligence on conventional, frontline, FHA, jumbo and sub-prime loan products;
Trained, coached, counseled, and professionally developed staff resulting in employee advancement, increased retention, and promotions throughout the organization; Managed a staff of 17; 97% successful loan closing rate
Supervised performance of workers with goals of improving productivity, efficiency and cost savings.
Developed and implemented successful sales strategies to meet business goals.
Hosted special events to boost brand awareness and increase community engagement.
Executed performance reviews to encourage improved productivity for team members.
Interviewed, trained and supervised employees.

Frontline Underwriter

Lender Live Network

Denver, CO

09.2011 - 11.2011

Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
Reviewed and evaluated loan applications and supporting documents
Liaised with lenders, appraisers and other third parties to communicate needs and requirements

Loss Mitigation Underwriter

Newbold Advisors, LLC, JP Morgan Chase

Jacksonville, FL

06.2011 - 09.2011

On special project for Nations Executive office loan review as a result of, of the Currency (OCC) order
Maintained strong pipeline of delinquent loans and resolved delinquencies to mitigate foreclosed loans
Analyzed loans and implemented action plans to rectify customer issues
Worked loan files that had been escalated to the Nations Executive Office

Summary

Overview

Work History

Due Diligence Underwriter

Frontline Underwriter

Frontline Underwriter

Bank Business Loan Underwriter

AML Consumer Risk Analyst

Compliance Underwriter

AML Compliance Analyst

Compliance Analyst

Forensic Underwriter

Diligence Underwriter

Underwriter

Remote Underwriter

Mortgage Compliance Review Consultant

Founder

Frontline Underwriter

Loss Mitigation Underwriter

Education

Master of Science - Management

BBA - Finance

Skills

Timeline

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