Summary
Overview
Work History
Skills
Certification
Timeline
Generic
LACEY HAMILTON

LACEY HAMILTON

Compliance Officer
Queen Creek,AZ

Summary

PROFESSIONAL OBJECTIVE Well-organized and detail-oriented Compliance Officer with key experience in mortgage lending with extensive knowledge of federal and state regulations. Focused on evaluating and optimizing company policies and procedures. Proficient at technical writing and code research and interpretation. Able to multi-task in a fast-paced environment. Strong analytical skills, business acumen, work ethic and strategic team building have been critical to my success and the teams I have managed.

Overview

25
25
years of professional experience
1
1
Certification

Work History

Senior Compliance Officer

ONYX LENDING, LLC
Scottsdale, AZ
09.2014 - Current
  • Responsible for the company's compliance with all federal and state regulations, laws, and investor guidelines, (which include CRA, Fair Lending, ECOA, HMDA and FHA (Fair Housing Act)).
  • Responsible for quality control reports completed on a timely basis.
  • Planned and executed compliance audits to check company policies, procedures, controls, and fraud detection.
  • Organized training programs to educate company staff on the benefits and consequences of complying with or defying regulations.
  • Adhered to deadlines in optimizing regulatory and operational performance.
  • Liaised between regulatory agencies and internal departments to facilitate regulatory and related matters.
  • Utilized risk management techniques and business knowledge to improve compliance programs.
  • Established internal controls and processes to support compliance through project management and engagement of key stakeholders.
  • Conducted extensive research to support regulatory findings and control weaknesses.

Production Coordinator

BAY EQUITY, LLC
San Francisco, CA
03.2013 - 09.2014
  • Responsible for managing pipeline for #1 Wholesale Rep with $600 million in volume annually.
  • Analyzed and reviewed conditions to confirm documentation presented meets the risk parameters of the program and the loan met underwriting standards.
  • Processed re-disclosures and reviewed Good Faith Estimates (GFE) for accuracy.
  • Coordinated with production lines and created schedules to meet promised delivery.

Realtor/Short Sale Negotiator

BAY CITY REAL ESTATE GROUP
Pleasanton, CA
05.2008 - 03.2014
  • Handled all escrow coordinating for all agents including coordinating inspections, ordering reports, checked work completed by loan officers, attorneys, or other professionals to verify proper performance.
  • Submitted and followed-up on all short sales (including negotiations) until approval received.
  • Served as contact person and source of information to maintain good communication with clients.
  • Maintained knowledge of real estate law, available mortgages, and government programs.

Underwriter

CHASE HOME LOANS
San Ramon, CA
02.2008 - 05.2008
  • Handled all underwriting duties which included analyzing credit worthiness of borrower/s, reviewing liquid assets, analyzing income for qualifying and reviewing appraisals reports.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Prioritized and organized tasks to efficiently accomplish service goals.

Underwriter III

COUNTRYWIDE HOME LOANS
Walnut Creek, CA
05.2007 - 02.2008
  • Handle all underwriting duties which include analyzing credit worthiness of borrower/s, reviewing liquid assets, analyzing income for qualifying and reviewing appraisal reports.
  • Utilized diverse data tools and processes to analyze, interpret and manage data.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.
  • Utilized underwriter authority to correspond with corporate risk appetite and strategy.

Senior Underwriter III

WMC MORTGAGE
San Ramon, CA
04.2004 - 05.2007
  • Team Lead Underwriter for #1 rep company wide.
  • Branch closing $200 million/mo.
  • Manage a team of 6 underwriters and assisted Territory Manager in managing the team of 25 operational staff.
  • Participated in due diligence process with Corporate Secondary Marketing Department.
  • Handled second signature of loans and write-up exceptions.
  • Assisted Sales and Brokers structure loans.
  • Built-up team of 2 into 7 with a monthly volume of 50 million and 250 closed loans.
  • Participant in “lean” project to develop a process of loan flow starting from pre-approvals to close of loan.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Stayed abreast of lending regulations and industry trends.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Approved or denied loan applications and explained reasoning behind decisions.

Underwriter

OWNIT MORTGAGE SOLUTIONS
Woodland Hills, CA
01.2001 - 04.2004
  • Branch Underwriter supporting 13 account executives.
  • Responsible for second signs.
  • Assisted underwriters, brokers, and A.E.’s in the structuring of loans and answering guideline questions.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Maintained updated knowledge through continuing education and advanced training.

Secondary Marketing Coordinator

OAKMONT MORTGAGE
Woodland Hills, CA
01.1998 - 01.2001
  • Assisted Sr Vice President in bulk pool sales.
  • Reviewed files prior to investor approval and cleared conditions with investors prior to purchase of loans.
  • Reviewed underwriting prior to file going to docs.
  • Assisted all the branches in guideline/underwriting questions.
  • Managed the lock desk and made decisions on rate exceptions.
  • Updated rate sheets and matrices for underwriting guidelines.

Skills

  • Integrity and Transparency
  • Relationship and Team Building
  • Financial Management
  • Judgement and Decision Making
  • Regulatory Compliance
  • Risk and Mitigation Analysis
  • Adaptable and Flexible
  • Results Orientation
  • Thrives Under Pressure
  • MIssion and Vision

Certification

  • Mortgage Loan Originator License #1731624
  • Arizona Department of Real Estate License #SA703778000
  • California Department of Real Estate License #01897812

Timeline

Senior Compliance Officer

ONYX LENDING, LLC
09.2014 - Current

Production Coordinator

BAY EQUITY, LLC
03.2013 - 09.2014

Realtor/Short Sale Negotiator

BAY CITY REAL ESTATE GROUP
05.2008 - 03.2014

Underwriter

CHASE HOME LOANS
02.2008 - 05.2008

Underwriter III

COUNTRYWIDE HOME LOANS
05.2007 - 02.2008

Senior Underwriter III

WMC MORTGAGE
04.2004 - 05.2007

Underwriter

OWNIT MORTGAGE SOLUTIONS
01.2001 - 04.2004

Secondary Marketing Coordinator

OAKMONT MORTGAGE
01.1998 - 01.2001
LACEY HAMILTONCompliance Officer