Kim Lumsden
HENSLEY,AR
Summary
Accomplished Quality Control Auditor and Mortgage Loan Processor with over 20 years of experience at institutions like The Carroll Mortgage Group, enhancing loan processing accuracy and compliance. Expert in auditing techniques and critical thinking, successfully identified non-compliance issues and streamlined quality control processes, significantly improving operational efficiency. Experienced Quality Control Auditor with well-honed analytical skills with regulatory compliance auditing experience for 5 years. Solution-focused professional highly-regarded among peers and supervisors in the mortgage industry. Skilled auditor who works diligently with all levels of peers, management and external authorities.
Overview
24
24
years of professional experience
Work History
Quality Control Auditor
Bank Of England Mortgage
06.2019 - Current
- Identified issues of non-compliance and elevated reports to senior personnel.
- Completed timely quality control reports highlighting deficiencies and recommending corrective actions.
- Collected and analyzed data to measure effectiveness of quality control processes.
- Reported problems and concerns to management.
- Audits include Pre-closing, EDP, 10% for Conventional, FHA, VA, RD and various DPA programs.
Mortgage Loan Processor and Closer
The Carroll Mortgage Group
05.2000 - 05.2019
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with title companies.
- Processed mortgage loan applications accurately and successfully for over 20 years.
- Analyzed borrower credit reports and income statements to verify accuracy and determine applicant's ability to repay loans.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
Skills
- Quality Control Processes
- Auditing Techniques
- Validation processes
- Document Review
- Attention to Detail
- Critical Thinking
- Complete loan review and analysis
Timeline
Quality Control Auditor
Bank Of England Mortgage
06.2019 - Current
Mortgage Loan Processor and Closer
The Carroll Mortgage Group
05.2000 - 05.2019
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