Kim Finegan
Tallahassee,FL
Summary
Seeking to use related knowledge while improving skills to become a Financial Specialist for the Florida Office of Financial Regulation.
Overview
23
23
years of professional experience
Work History
Financial Examiner/Analyst II
State of Florida Office of Financial Regulation
06.2023 - Current
- Consistent timely analysis of initial Mortgage Loan Originator applications to ensure compliance for licensure pursuant to Chapter 494 and determine if further review is required for enforcement.
- Daily correspondence applicants to determine licensing requirements and interpret state regulations.
- Prepare detailed legal referrals based on thorough analysis, research, and compliance with state regulations.
- Proficient with REAL and NMLS.
Review Specialist II
Homepoint Financial Corp.
08.2018 - 11.2022
- Responsible for post-closing and compliance reviews on conventional and government loans
- Closing package reviews to ensure underwriting conditions are met, state and federal required disclosures provided, and to condition for any deficiencies
- Effectively communicate deficiencies to the lender verbally and in writing
- Completed Compliance reviews of TRID, QM Check, MERS, NMLS, OFAC and Soft credit check.
Mortgage Purchase Specialist
MB Financial Bank
06.2016 - 06.2018
- Responsible for post-closing and compliance reviews of lender's closing packages on conventional loans to ensure secondary marketability requirements are complete
- Managed loan pipelines daily from receipt of the closing package throughout the process to purchase determination
- Thorough knowledge of TRID, TILA, RESPA regulations.
Mortgage Fraud Analyst
Citimortgage
07.2002 - 02.2014
- Investigated loan level mortgage referrals using independent research and underwriting tools when determining the risk and final recommendations for filing required reports
- Constant communication internally with management and multiple sectors
- Acted as liaison with all third parties, customers, and law enforcement
- Fraud hotline management
- Conducted new hire orientations for Human Resources to promote awareness of departmental responsibilities.
Quality Control Underwriter
Citimortgage
07.2001 - 07.2002
- Early payment default monitoring and reporting loan statuses to management
- Routinely performed full underwriting audits on streamline loans
- Entailed approximately 15% of monthly EPD volume
- Interacted with various underwriting companies and internal departments responsible to discuss loan findings and address any issues.
Education
Business Administration
Oakland Community College
Farmington Hills, MITimeline
Financial Examiner/Analyst II
State of Florida Office of Financial Regulation
06.2023 - Current
Review Specialist II
Homepoint Financial Corp.
08.2018 - 11.2022
Mortgage Purchase Specialist
MB Financial Bank
06.2016 - 06.2018
Mortgage Fraud Analyst
Citimortgage
07.2002 - 02.2014
Quality Control Underwriter
Citimortgage
07.2001 - 07.2002
Business Administration
Oakland Community College
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