KIMBERLY COPPRUE
Atlanta,Georgia
Summary
MORTGAGE EXPERT AND REGULATORY COMPLIANCE SPECIALIST SEEKING MANAGERIAL-LEVEL POSITION REGULATING POLICIES, PROCEDURES, AND PROTOCOL FOR BUSINESS INSTITUTION. Accomplished, multifaceted financial investment specialist- equipped with 20+ years of ethical expertise implementing applicable laws, enforcing audit guidelines, and analyzing fiscal records- seeking an opportunity to uphold a company's state and federal compliance status and internal controls. Specialize in alleviating potential risk factors by collaborating with interdepartmental teams, maintaining open lines of communication among leaders, and creating a mutually supportive work environment committed to meeting deadlines and optimizing staff performance. Established a track record for implementing compliance procedures proven to increase workforce efficiency by 25% while reducing instances of non-compliance by 35%. Open to adjusting to a flexible schedule requiring technological proficiencies, along with a hybrid or remote work model.
Overview
12
12
years of professional experience
Work History
Managing Partner of Business Operations
Emerson Gray & Young Investment Group LLC
07.2020 - 11.2023
- Supervised the organization's construction budget allocated for closing residential real estate projects, completing refurbishments, and connecting buyers to their desired homes
- Collaborated with partners in executing final property sales by reviewing all required client purchasing documents before acquisition and signature
- Administered and adhered to an operational budget to ensure the timeliness of customer service and completion of project implementation
- Hosted weekly meetings to communicate with project managers and general contractors regarding project timelines, budgetary updates, task delegation, and challenges to productivity.
Regulatory Compliance Analyst
Bank of England Mortgage
10.2020 - 05.2022
- Collaborated with the AVP and a team of 10 specialists in managing compliance Queue while reviewing, analyzing, and interpreting state and federal laws and regulations, which were incorporated into seamless business practices and aligned with institutional mandates
- Tracked all regulatory changes through Encompass Enhanced Mortgage for operation and underwriting, and required forms and documentation to meet all regulations pertinent to mortgage lending, such as ECOA, REG Z, TILA, and REG X
- Enforced company's operational compliance with RESPA, TILA, and state mortgage license agencies while monitoring the status of programs intended to align with state policies, laws, and regulations
- Enhanced Mortgage Operations and Underwriting departments through quarterly assessments to ensure the authenticity of forms and disclosures during the mortgage origination process.
Bank Operations QC Analyst
AAA Bank
01.2018 - 04.2020
- Reviewed mortgage and consumer loan files to ensure regulatory requirements, which included reviews of legal forms, underwriting documents, and departmental procedures
- Performed loan file reviews, pre-funding assessments, and post-closing audits while submitting data validation feedback and remediation recommendations for loan applications
- Contributed expert subject matter insights to executive leadership team regarding HMDA, HMDA Plus, and CRA reporting while interpreting performance analysis research indicating trends in the bank's annual performance
- Conceptualized operational oversight strategies governing the standards of data quality, consumer compliance, consumer booking, and adverse consumer action.
Senior QC Compliance Auditor
American Mortgage Consultants Inc.
07.2016 - 01.2018
- Performed loan file reviews between 20 to 25 pre-funding and post-closing audits
- Verified data integrity of loan origination system in accordance with product type and investor guidelines, driving document submissions
- Ensured accuracy and consistency of lender information in accordance with new TRID guidelines.
Disbursement Analyst
Best Homes Title
05.2015 - 07.2016
- Succeeded in processing closing mortgage packages for purchases and refinancing agreements within the first year of employment
- Balanced funding from FNMA and prepared respective reports for properties purchased and expected refunds
- Upheld partnership with Fannie Mae, paid off lenders and mortgage companies, and issued appropriate checks for equity loans, purchases, and refinances.
Closing Coordinator II
Title Source Inc.
12.2013 - 03.2015
- Liaised between the company's executive leadership team and designated lenders in preparing clients with information, strategies, and milestones leading to finalizing buyer titles
- Reviewed closing packages for accuracy in contact details and financial designations while following the lender's closing instructions
- Collaborated with lenders and borrowers in ensuring a clear, seamless closing process that remains on schedule and within the agreed-upon budget
- Prepared title documents and preliminary HUDs while reviewing closing itineraries from the lender.
Closing Preparation Specialist II
Title Source Inc.
08.2011 - 12.2013
- Liaised between the company's executive leadership team and designated lenders in preparing clients with information, strategies, and milestones leading to finalizing buyer titles
- Reviewed closing packages for accuracy in contact details and financial designations while following the lender's closing instructions
- Collaborated with lenders and borrowers in ensuring a clear, seamless closing process that remains on schedule and within the agreed-upon budget
- Prepared title documents and preliminary HUDs while reviewing closing itineraries from the lender.
Education
Bachelor of Science in Business Administration/Management -
Wayne State University (Mike Ilitch School of Business)
Detroit, MichiganSkills
- Organizational Communication
- Regulatory Compliance Mandates
- Risk Management Assessments
- Large-Scale Budgetary Forecasting
- Information Technology and Connectivity
- Real Estate Investment Protocol
- Client and Stakeholder Confidentiality
- Regulatory Guidelines, Policies, and Procedures
- Entrepreneurial Acumen and Team Building
- Problem Solving and Conflict Resolution
- Qualitative and Quantitative Research
- Interpretation of Technical Data
- Microsoft 365 (Teams, Word, Excel, PowerPoint, Outlook, OneDrive)
- Google Workspace (Gmail, Docs, Sheets, Meet)
- Marvent
- Desktop Underwriter
- Zoom
- Facebook/Meta
- YouTube
Websites
Timeline
Regulatory Compliance Analyst
Bank of England Mortgage
10.2020 - 05.2022
Managing Partner of Business Operations
Emerson Gray & Young Investment Group LLC
07.2020 - 11.2023
Bank Operations QC Analyst
AAA Bank
01.2018 - 04.2020
Senior QC Compliance Auditor
American Mortgage Consultants Inc.
07.2016 - 01.2018
Disbursement Analyst
Best Homes Title
05.2015 - 07.2016
Closing Coordinator II
Title Source Inc.
12.2013 - 03.2015
Closing Preparation Specialist II
Title Source Inc.
08.2011 - 12.2013
Bachelor of Science in Business Administration/Management -
Wayne State University (Mike Ilitch School of Business)
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