Kelly Kramer
Wealth Investment Operations Specialist
Fort Mill,SC
Summary
Thorough team contributor with strong organizational capabilities. Experienced in handling numerous projects at once while ensuring accuracy. Effective at prioritizing tasks and meeting deadlines.
Overview
13
13
years of professional experience
4
4
years of post-secondary education
Work History
Wealth Investment Operations Specialist
Linden Thomas & Company
10.2023 - Current
- Dispersed distributions, wire transfers, and other transfers on a daily basis
- Designated as the cashier for all contribution deposits
- Assisted with back office support such as account opening, account transfers, CRM updates, and client mailings
- Consistently displayed integrity and strong work ethic, with a customer-oriented attitude
- Demonstrated consistent accuracy in a high volume work environment
- Participated in many special projects including areas of RMD reporting and client portfolios
- Worked with the Owner of the company, Certified Financial Advisors and Certified Financial Planners
- Exhibited excellent customer service to high net worth clients
- Generated daily reports for upper management.
Senior Compliance Specialist
Ashton Carter/Wells Fargo
08.2022 - 10.2023
- Designated trainer for new hires on highly prioritized project
- Analyzed state laws, statutes and citations within regulatory inventories for applicability for Wells Fargo Home Lending line of business
- Populated Major Compliance Requirements (MCR) templates
- Worked with Legal and Compliance partners on analysis of MCR's
- Worked on various priority projects simultaneously
- Wrote and presented comprehensive training guides for upper management and over sixty contractors
- Provided input into ongoing status reporting for the project with a large team and small pods
- Determined applicability, disposition and line of business impacts for thousands of state statutes, citations and laws to Wells Fargo lines of business
- Entered into record-keeping systems appropriate data needed to create new records or update existing MCR's
- Completed over one hundred continuing education courses within Wells Fargo software platform to prepare for upcoming topic drops for MCR's to stay abreast of changing regulations.
Loan Production Compliance Specialist
Real Genius, Division Of FirstBank
09.2019 - 05.2022
- Owned, responsible and reviewed for determining and accurately declined and withdrawn loans as to the dispositioning accurately through Encompass software and notifying borrower(s) within Compliance/Regulatory timelines (TRID)
- Followed HMDA/ECOA regulations in delivering Adverse Action decline notifications to potential and active borrowers
- Authorized by FirstBank to decline loans with given credit authority
- Followed FCRA guidelines regarding credit reports to borrowers
- Analyzed credit reports extensively (FCRA)
- Served as a Subject Matter Expert (SME) by advising upper management and Senior Loan Officers working directly with FirstBank throughout audits or to remedy compliance issues
- Directed and implemented strategic improvement plans to integrate solutions to audit findings and workflow process issues
- Maintained current knowledge of loan products and applicable requirements, processes, procedures, internal policies and regulations
- Identified deficiencies, discrepancies, misinformation and compliance issues with loan documentation in order to determine ineligibility or acceptance status and return non-compliant packages to designated teams for resolution.
Loan Production Compliance Team Lead
ConsumerDirect Mortgage, Division Of FirstBank
11.2014 - 09.2019
- Participated in a 'Test Environment' software to improve and facilitate user-friendly tasks including: (1) Security testing; Ensuring security risks are in place protecting the lender and the borrower (IT assisted) using certain specific numbers and/or variables for borrowers to access their protected password initial disclosures to pursue the mortgage loan
- (2) Performance testing; Ensuring that the proper and regulated mortgage loan disclosures were delivered to the borrower via the portal in the Initial Disclosure Package
- (3) Functionality; Testing for any glitches and or bugs within the system that could risk the software platform would be compromised
- (4) Continued Monitoring and Awareness
- Served as a SME for ConsumerDirect and FirstBank upper management to diagnose any issues within compliance and auditing various loans per direction
- Trained ten Loan Production Compliance Specialists on the new TRID rollout per federal guidelines (Initial Disclosures, COC, State Specific Disclosures)
- Provided guidance, advice, support and training to ten Loan Production Compliance Specialists to improve and understand related laws and regulatory requirements
- Played key role in development and ongoing training with new hires
- Reviewed and troubleshooted loans in various milestones from Originations through Post Closing
- Strong knowledge in understanding credit reports and determining Eligible/Approve debt to income ratios
- Wrote and presented reports outlining findings and recommendations for Retail and Correspondent loans.
Loan Technician Team Lead
RoundPoint Mortgage Company
02.2013 - 10.2014
- Assisted Loan Technicians to troubleshoot various different loan programs to verify eligible loans through Fannie Mae, Freddie Mac and Private Investors
- Supervised a team of twelve Loan Technicians
- Filed and completed loan applications with underwriting and made approval or denial recommendations
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork
- Developed team communications and information for weekly meetings
- Maintained weekly reports/spreadsheets on loans nearing 'out of compliance' deadlines.
Processing Support Team Lead
RoundPoint Mortgage Company
01.2012 - 02.2013
- Managed program errors with analytical approach focused on troubleshooting, diagnosing and resolving each problem
- Handled computer system troubleshooting and provided technical support to entire team for computer operations
- Supervised a team of fifteen Processing Support Specialists
- Conducted weekly team meetings as well as one on one meetings
- Managed customers' expectations of support and technology functionality in order to provide positive user experience
- Assisted with required customer documentation in order to expedite loan for submittal to Underwriting to start the Approval process.
Education
Bachelor of Science -
Ohio University
Athens, OH 09.1994 - 05.1998
Skills
Operational Efficiency
Cash Management
Multitasking
Excellent Communication
Timeline
Wealth Investment Operations Specialist
Linden Thomas & Company
10.2023 - Current
Senior Compliance Specialist
Ashton Carter/Wells Fargo
08.2022 - 10.2023
Loan Production Compliance Specialist
Real Genius, Division Of FirstBank
09.2019 - 05.2022
Loan Production Compliance Team Lead
ConsumerDirect Mortgage, Division Of FirstBank
11.2014 - 09.2019
Loan Technician Team Lead
RoundPoint Mortgage Company
02.2013 - 10.2014
Processing Support Team Lead
RoundPoint Mortgage Company
01.2012 - 02.2013
Bachelor of Science -
Ohio University
09.1994 - 05.1998
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