Lance Higgins
San Antonio,TX
Summary
Task manager with over 10 years of expertise in banking and service sectors, encompassing 8 years in mortgage and 4 years in audit and operations support. Expertise in risk management and mitigation, with strong skills in Microsoft Office. Recognized for exceptional productivity, focusing on data interpretation, strategic planning, and decision-making support.
Overview
18
18
years of professional experience
Work History
Compliance Lead Analyst
City of San Antonio – Neighborhood And Housing Services Dept.
San Antonio, TX
01.2025 - Current
- Leads contract and grant compliance functions to assure proper compliance with contractual and grant requirements for the Home Rehab Program.
- Contribute to the annual planning, review objectives, and designs reviews to achieve housing production objectives.
- Ensures compliance with Fiscal requirements associated with contracts and grants.
- Analyzes duties and roles for appropriate segregation and provides recommendations for corrections and compensating controls.
- Evaluate management controls to identify issues; and make recommendations to improve compliance.
Housing Loan Coordinator
City of San Antonio – Neighborhood And Housing Services Dept.
San Antonio, TX
03.2024 - 01.2025
- Responsible for the coordination of the intake and processing of applications and program marketing for the Home Rehab Programs.
- Verify type of assistance available to applicants and prepares all documents required to issue commitment and schedules appointment for execution of documents.
- Prepare legal documents for closing and ensure that file is complete before starting construction.
- Conduct outreach sessions for applicants who wish to participate in the program.
Research and Remediation - Senior Analytics Assistant
Wells Fargo Home Mortgage
San Antonio, TX
06.2020 - 10.2023
- Serviced reporting and analytics by utilizing various tools including SQL and Teradata.
- Collaborated with peers, colleagues, and more experienced managers to resolve issues and achieve goals in the mortgage pricing and structuring process.
- Monitor mortgage applications and identify issues that could negatively impact the customer experience or cause risk to the bank.
- Ensure adherence to legal regulations and internal policies on reviews.
- Assisted with development of new review processes for mortgage discount rate requests to increase ease of compliance reviews.
- Part of pilot team for Communication Escalations Team. Which expanded to all regions in Wells Fargo Home Mortgage in drive to make the mortgage origination process more streamlined.
- Followed up with mortgage origination team members to focus on files deficiencies.
Default Mortgage Loan Servicing & Origination Processor
Wells Fargo Home Mortgage
San Antonio, TX
03.2015 - 06.2020
- Reviewed financial documents to ensure the accuracy and completeness of applications submitted for review.
- Reviewed real estate title documents and collaborated with 3rd parties to address title issues on applications.
- Communicate loan decisions on applications to customers and review possible alternatives in case of an application denial.
- Collaborate with internal departments, realtors, and settlement agents to move files from origination to closing.
- Assist with training new hires as a mentor as they transition to the production floor to ensure reviews are opened accurately.
- Serviced new loan originations, refinances, modifications, and loan assumptions.
- Used daily reports to ensure compliance with service level and bank guidelines.
Sales Manager
Furniture Row
San Antonio, TX
07.2007 - 11.2014
- Interviewed and trained new hire sales representatives to reach sales goals and customer service objectives.
- Ensure a great customer experience by addressing complaints about products or services in a timely manner.
- Collaborate with other departments to ensure completion of orders and minimize delivery costs.
- Ensure accuracy of daily sales receipts, deposits, and inventory records.
- Initiated pilot software program and process to combine departments inventory management and point of sale systems.
- Started with company in 2004 as warehouse personnel, transitioned to sales in 2005, then to Sales Manager position in 2007.
Education
Bachelor of Business Administration - Management
Texas A&M University-San Antonio
San Antonio, TX12.2023
Associate of Science - Banking And Finance
San Antonio College
San Antonio, TX12-2016
Skills
- Risk assessment
- Intermediate Excel proficiency
- Real estate document preparation
- Regulatory adherence
- Financial documentation preparation and review
Timeline
Compliance Lead Analyst
City of San Antonio – Neighborhood And Housing Services Dept.
01.2025 - Current
Housing Loan Coordinator
City of San Antonio – Neighborhood And Housing Services Dept.
03.2024 - 01.2025
Research and Remediation - Senior Analytics Assistant
Wells Fargo Home Mortgage
06.2020 - 10.2023
Default Mortgage Loan Servicing & Origination Processor
Wells Fargo Home Mortgage
03.2015 - 06.2020
Sales Manager
Furniture Row
07.2007 - 11.2014
Bachelor of Business Administration - Management
Texas A&M University-San Antonio
Associate of Science - Banking And Finance
San Antonio College
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