Summary
Overview
Work History
Education
Skills
Certification
Timeline
BusinessAnalyst
KELLY REED

KELLY REED

Lutz,Florida

Summary

Performance-driven with over 10 years experience aligning systems with business requirements, policies and regulatory requirements. Passionate about applying excellent organization and communication skills to lead teams. Results-oriented individual well-versed in interfacing and consulting on business processes to drive results based on sound overall business judgment. Thrives in a fast-paced and ever-changing business environment and maintains the highest level of quality. Maintains a positive attitude and strives to build relationships with internal and external clients and colleagues.

Overview

25
25
years of professional experience
1
1
Certification

Work History

Vice President, Compliance Risk Management Lead, Fair Lending

JPMorgan Chase
03.2016 - Current
  • Provides support and training to Monitoring Team for Auto, Business Banking, Credit Card, and Home Lending activities on an ongoing basis
  • Monitors compliance with written credit guidelines, operating procedures and current Fair Lending regulations such as ECOA and Fair Housing Act
  • Identifies key risk items to monitor based on fair lending analysis, fair lending risk assessment and prior monitoring results
  • Ensures sample approach meets current compliance and department monitoring standards
  • Performs forensic reviews of account files in accordance with line of business guidelines and procedures focusing on risk and other potential fair lending issues
  • Communicates scope, methodology and priorities for all monitoring activities to all Stakeholders
  • Clearly documents results of monitoring activities, so that a 3rd party can evaluate the fair lending assessment and conclusion
  • Strengthens the fair lending framework and monitors for potential process failures or weakness
  • Provides research support during regulatory and audit exams
  • Fosters an inclusive work environment.
  • Ensures regulatory compliance at all times by implementing robust internal controls systems coupled with proactive monitoring mechanisms.
  • Collaborates with senior management to develop strategic initiatives and long term goals.
  • Monitors key business risks and established risk management procedures.
  • Clarifies roles, responsibilities and expectations of staff.
  • Demonstrates proficient leadership skills to motivate employees and build competent teams.
  • Establishes and maintained strong relationships with customers, vendors and strategic partners.
  • Identifies opportunities to improve business process flows and productivity.
  • Oversaw First Republic merger and acquisition activities that expanded company footprint into new markets or regions while ensuring seamless integration processes post acquisition.
  • Works well in a team setting, providing support and guidance.
  • Manages time efficiently in order to complete all tasks within deadlines.
  • Gaines strong leadership skills by managing projects from start to finish.
  • Uses critical thinking to break down problems, evaluate solutions and make decisions.
  • Skilled at working independently and collaboratively in a team environment.
  • Demonstrates leadership skills in managing projects from concept to completion.

Associate, Internal Review Group

JPMorgan Chase
05.2015 - 02.2016
  • Conducted QA audit reviews of Mortgage Servicing and Default lines of business for compliance to DOJ metrics which make up the National Mortgage Settlement Agreement mandated in 2012
  • Executed loan level reviews of servicing and default functions with an emphasis on loss mitigation and loan modifications
  • Created complete and accurate documentation of test assessments with regard to regulatory requirements
  • Developed and enhanced internal test procedures
  • Conducted QC peer reviews monthly
  • Ensured operational service levels within the Internal Review Group are managed and achieved.
  • Strengthened compliance with regulatory requirements through comprehensive evaluations of internal policies and procedures.
  • Partnered with management to track errors and add contributions to maintain accuracy.
  • Reduced financial risk by monitoring and analyzing financial transactions for discrepancies and inefficiencies.
  • Reviewed operational processes of Mortgage Loss Mitigation department for compliance with financial guidelines.
  • Reviewed and identified risks, analyzed controls and tested compliance.
  • Promoted a strong ethical culture within the organization through consistent communication on the importance of compliance with policies and regulations.
  • Prepared working papers, reports and supporting documentation for audit findings.

AVP, RCSA DOJ Controls Analyst, Mortgage Default

JPMorgan Chase
11.2013 - 05.2015
  • Tested Mortgage Servicing and Default lines of business for compliance to DOJ provisions and metrics which make up the National Mortgage Settlement Agreement mandated in 2012
  • Participated in process inquiry sessions and documented actions taken by the business to mitigate risk and correct any issues
  • Developed specific test plans for one or more controls within each of the processes tested
  • Executed test procedures according to the validation methodologies provided
  • Assumed project manager role to support departmental initiatives and testing changes
  • Reviewed, organized, and indexed all evidence supporting test results
  • Escalated issues to Validation Team Managers and Legal
  • Conducted root cause analysis and provided recommendations to enhance control environments
  • Conducted results confirmation meetings with the respective SMEs and business owners.
  • Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
  • Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
  • Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
  • Managed projects efficiently, ensuring timely delivery and high-quality results.
  • Tracked trends and suggested enhancements to both challenge and refine areas of risk.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Gained strong leadership skills by managing projects from start to finish.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Strengthened communication skills through regular interactions with others.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Organized and detail-oriented with a strong work ethic.
  • Demonstrated leadership skills in managing projects from concept to completion.
  • Worked effectively in fast-paced environments.
  • Assisted in developing company-wide policies and procedures to strengthen governance frameworks around risk management and internal controls.
  • Documented and executed detailed test plans and test cases and summarized and logged audit findings for reporting purposes.
  • Collaborated with cross-functional teams to devise control strategies that aligned with business objectives and reduced operational risks.

Mortgage Underwriter

JPMorgan Chase
03.2012 - 11.2013
  • Executed decisions on agency, portfolio and FHA applications and appraisals
  • Ensured all credit decisions complied with corporate policies, as well as federal and state fair lending laws
  • Communicated decisions and worked with branch and vendors to clear remaining conditions to ensure a smooth closing and saleable loans
  • Demonstrated leadership by assisting team members with common questions regarding interpretation of guides and policies.
  • Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.

Mortgage Banker

JPMorgan Chase
10.2006 - 03.2012
  • Originated Conventional, FHA and VA loans for Consumer Direct from inbound queue calls, outbound lead lists, client and realtor referrals, and Chase employee referrals
  • Demonstrated the ability to place in the top 20% of the company or higher for over 5 years in funded volume, compliance, pull through and quality
  • Assisted processors and underwriters in collecting upfront documentation, conditions, communicating counter offers, reworking deals, and scheduling closings.
  • Delivered prompt communication with all parties involved in transactions, fostering strong professional relationships.

Operations Manager

CTX Mortgage Company
03.1999 - 10.2006
  • Managed and assisted processors, mortgage bankers, and administrative assistants to ensure the clients of Centex Homes, Retail, and Real Estate Agents obtained the best and most suitable mortgage products
  • Underwrote files utilizing DU, LP, and FHA Scorecard
  • Trained processors to decision files and reviewed approvals for all new hires until lending authority was obtained
  • Provided continuous training on Conventional, FHA, VA, and Subprime products
  • Gathered data on a monthly basis for customer service, capture, and quality control statistics for the Columbus Division and reviewed with team to identify areas which goals were met and exceeded, and areas which needed improvement
  • Assisted Branch Manager in hiring process and annual budgets
  • Worked with title companies to ensure closings were scheduled and settlement statements were accurate
  • Resolved any issues in servicing post-closing.
  • Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
  • Developed and maintained relationships with external vendors and suppliers.
  • Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
  • Supervised operations staff and kept employees compliant with company policies and procedures.

Education

Bachelor of Arts - Psychology

The Ohio State University
Columbus, OH

Skills

  • Team Leadership
  • Detail-Oriented
  • Cross-Functional Collaboration
  • Complex Problem-Solving
  • Documentation And Reporting
  • Critical Thinking
  • Results-Driven
  • Highly Organized

Certification

Chums #GW60: FHA Direct Endorsement

Timeline

Vice President, Compliance Risk Management Lead, Fair Lending

JPMorgan Chase
03.2016 - Current

Associate, Internal Review Group

JPMorgan Chase
05.2015 - 02.2016

AVP, RCSA DOJ Controls Analyst, Mortgage Default

JPMorgan Chase
11.2013 - 05.2015

Mortgage Underwriter

JPMorgan Chase
03.2012 - 11.2013

Mortgage Banker

JPMorgan Chase
10.2006 - 03.2012

Operations Manager

CTX Mortgage Company
03.1999 - 10.2006

Bachelor of Arts - Psychology

The Ohio State University

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KELLY REED