Joyce Naquin
Frisco,TX
Summary
Results-oriented Lending, Operations, and Compliance professional with extensive expertise in residential mortgage funding, post-closing quality control, licensing compliance, and regulatory operations across traditional and high-volume settings. Proven ability to navigate complex multi-state regulatory requirements while ensuring loan file accuracy and fostering scalable processes throughout the loan lifecycle. Recognized for a meticulous, hands-on approach that emphasizes strong cross-functional collaboration and continuous process optimization to enhance efficiency, mitigate risk, and drive growth. Committed to a customer-first mindset that aligns seamlessly with fintech-driven, tech-enabled lending platforms.
Overview
30
30
years of professional experience
1
1
Certification
Work History
COMPLIANCE ANALYST
Carrington Mortgage Holdings, LLC
Orange, CA
08.2020 - Current
- Manage and maintain multi-state mortgage licensing for mortgage entities, branches, and individuals in compliance with state and federal regulations
- Research, interpret, and apply state regulatory requirements related to mortgage licensing, renewals, amendments, and reporting obligations
- Prepare, submit, and track license applications, renewals, annual reports, and regulatory filings through NMLS and state agencies
- Maintain detailed licensing matrices, tracking tools, and compliance documentation to ensure audit readiness and ongoing regulatory compliance
- Monitor license status, deadlines, and regulatory changes; proactively address deficiencies, conditions, and regulator inquiries
- Partner cross-functionally with operations, legal, compliance, HR, and leadership to support business growth while mitigating regulatory risk
- Support onboarding and licensing of new business units, branches, and subsidiaries across multiple jurisdictions
- Perform compliance-related calculations, reporting, and data analysis related to loan volume, fees, and regulatory thresholds
- Ensure secure handling of confidential and sensitive information, including executive and corporate records
- Identify opportunities for process improvement and automation to enhance efficiency, accuracy, and cost-effectiveness
- Assist with internal and external audits by providing accurate documentation and responding to regulator requests
ASSISTANT GENERAL MANAGER
The Great Greek Mediterranean Grill
The Colony, TX
01.2019 - 03.2020
- Developed and executed operational and business plans in collaboration with ownership
- Managed budgeting, payroll, vendor relations, and cost controls to ensure financial performance
- Oversaw hiring, training, scheduling, and performance management of staff
- Established and enforced operational standards, procedures, and compliance requirements
- Coordinated catering operations and customer-facing services
- Transferable strengths: operational oversight, budgeting, compliance enforcement, team leadership
PROPERTY TAX SPECIALIST
CoreLogic
Westlake, TX
01.2010 - 01.2017
- Conducted complex research and analysis of property tax data using internal databases, third-party sources, and public records
- Utilized proprietary tools to analyze, query, manipulate, and validate data in accordance with defined business procedures
- Extracted, entered, and verified data for accuracy across applications and tracking systems
- Resolved escalated and high-risk tax issues requiring advanced process and client knowledge
- Served as a subject-matter resource and trainer for junior staff
- Maintained detailed files, documentation, and audit trails to support compliance and reporting requirements
MARKETING MANAGER / EXECUTIVE ASSISTANT
Contemporary Renovations, LLC
Fort Worth, TX
01.2003 - 01.2012
- Managed multiple residential and commercial remodeling projects from planning through execution
- Defined and executed comprehensive business and marketing strategies to grow targeted markets
- Coordinated with customers, vendors, management, and internal departments to ensure alignment with business goals
- Planned and conducted regional market research and analysis to support strategic decisions
BUSINESS MARKETING MANAGER
Nordstrom
Hurst, TX
01.2007 - 01.2010
- Managed daily operations and inventory control for the Watch Department
- Reviewed vendor performance and sales data to develop targeted strategies to increase revenue
- Planned and executed business activities for multiple cosmetic and retail product lines
- Implemented process improvements that reduced operational expenses while increasing efficiency
MORTGAGE FUNDER
Home123 Mortgage Corporation (Subsidiary of New Century Financial Corporation)
Hurst, TX
01.2005 - 01.2007
- Funded an average of 100 loan files per month in a fast-paced mortgage environment
- Collected, reviewed, and validated all funding conditions from processors and title companies
- Ensured full compliance with company policies and federal and state lending regulations
- Calculated wire amounts and coordinated funding with accounting and title partners
- Maintained strict accuracy standards to support timely funding and investor delivery
COMPLIANCE & LICENSING SPECIALIST
New Century Mortgage Corporation (Subsidiary of New Century Financial Corporation)
Irvine, CA
01.2004 - 01.2005
- Researched and interpreted state regulatory requirements for the acquisition and maintenance of mortgage lending licenses
- Completed and submitted annual reports and regulatory filings required by state agencies
- Licensed newly formed subsidiaries across multiple jurisdictions
- Maintained comprehensive licensing matrices for the corporation and its subsidiaries
- Supported compliance operations across multiple team sites
- Performed analytical calculations related to loan volume, ratios, and fees
- Handled confidential corporate and executive information with a high degree of discretion
- Selected Contributions:
- Completed and finalized licensing for Wholesale Processing Centers nationwide
- Developed streamlined licensing and tracking systems that reduced operational costs
- Maintained enterprise-wide compliance visibility for licensing status and renewals
MARKETING MANAGER / EXECUTIVE ASSISTANT
Pathway Commercial Construction
Rancho Santa Margarita, CA
01.2001 - 01.2002
- Managed multiple residential and commercial remodeling projects from planning through execution
- Defined and executed comprehensive business and marketing strategies to grow targeted markets
- Coordinated with customers, vendors, management, and internal departments to ensure alignment with business goals
- Planned and conducted regional market research and analysis to support strategic decisions
MARKETING & LEASING MANAGER
Filipinas Shutters Inc.
Manila, Philippines
01.1996 - 01.2001
- Managed daily operations of a 50-unit commercial property
- Developed and executed marketing and leasing initiatives to support occupancy and revenue
- Tracked, projected, and reported advertising and circulation-based marketing metrics
- Ensured alignment between marketing activities and corporate objectives
- Provided leadership and direction to marketing staff to ensure quality and consistency
Q.A. & POST-CLOSING ANALYST
Trust One Mortgage
Irvine, CA
01.1995
- Reviewed and audited closed loan files for completeness and compliance
- Compiled and shipped loan packages to lenders and investors
- Conducted post-closing quality control reviews to identify and resolve deficiencies
Education
Bachelor of Science - Marketing Management
De La Salle University
Philippines04-1992
Skills
- Mortgage Licensing & Regulatory Compliance
- Loan Funding & Post-Closing Quality Control
- Audit Readiness & Documentation Review
- Process Improvement & Cost Reduction
- Data Research & Analysis
- Microsoft Word, Excel, Outlook, PowerPoint
- QuickBooks, Windows Operating Systems
Certification
Notary Public – State of Texas
Languages
English
Native or Bilingual
Filipino
Native or Bilingual
Timeline
COMPLIANCE ANALYST
Carrington Mortgage Holdings, LLC
08.2020 - Current
ASSISTANT GENERAL MANAGER
The Great Greek Mediterranean Grill
01.2019 - 03.2020
PROPERTY TAX SPECIALIST
CoreLogic
01.2010 - 01.2017
BUSINESS MARKETING MANAGER
Nordstrom
01.2007 - 01.2010
MORTGAGE FUNDER
Home123 Mortgage Corporation (Subsidiary of New Century Financial Corporation)
01.2005 - 01.2007
COMPLIANCE & LICENSING SPECIALIST
New Century Mortgage Corporation (Subsidiary of New Century Financial Corporation)
01.2004 - 01.2005
MARKETING MANAGER / EXECUTIVE ASSISTANT
Contemporary Renovations, LLC
01.2003 - 01.2012
MARKETING MANAGER / EXECUTIVE ASSISTANT
Pathway Commercial Construction
01.2001 - 01.2002
MARKETING & LEASING MANAGER
Filipinas Shutters Inc.
01.1996 - 01.2001
Q.A. & POST-CLOSING ANALYST
Trust One Mortgage
01.1995
Bachelor of Science - Marketing Management
De La Salle University