LATRONIA GIPSON
PASADENA,CA
Summary
Quality Control Analyst with over 21 years in the Mortgage Servicing Industry, Working in various position throughout the Mortgage Default process. Job Objective Looking for a job with a fast paced company with many chances to advance.
Overview
9
9
years of professional experience
Work History
Senior QC Auditor
09.2020 - 02.2023
- Perform a post funding loan analysis to ensure loan documents for origination and underwriting, closing/funding and insuring to perform portions of a Quality Control audit on different loan types
- Perform loan audits on data and documentation for accuracy and consistency
- Risk assessments and transactional testing of loans selected for QC to evaluate
- Review certain aspects of loan files for accuracy and conformance to company policy, investor's underwriting guidelines and regulatory compliance
- Review certain aspects of loan files for accuracy and conformance to company policy, investor's underwriting guidelines and regulatory compliance
- Document findings to provide to management with accurate detailed
- Provide input for decision-making to identify the root cause of problems identified within loan review audit
- Knowledgeable in Federal and State regulations and investor program requirements
- Determine if proper procedures were followed in the origination, underwriting and funding of loans in accordance with company policies and procedures
- Ensure reviews/audits are performed in a timely manner in accordance with the established procedures and investor guidelines
- Assist with recommending and implementing revisions to Bank policies and procedures to maintain compliance with laws and compliance regulations.
Risk Management Analyst
CARRINGTON MORTGAGE HOLDINGS
08.2014 - 09.2020
- Perform audits on processes, policies, procedures and practices in the default administration areas that may pose a risk to the company
- Ensure staff and internal departments are aware of any procedural changes
- Responsible for daily monitoring and audits of associates to ensure policy, procedures and customer satisfaction are met consistently
- Ensure compliance with transaction monitoring goals and perform weekly/monthly root cause analysis of transaction monitoring attributes with low accuracy and ensure action plans are in place to drive accuracy to established target
- Participate in meetings with business unit managers and staff to discuss compliance findings and recommendations for corrective action
- Review and evaluate existing quality control procedures to include compliance with required audits of
- FHA, Ginnie Mae, Fannie Mae, Freddie Mac and institutional investors.
Education
High School Diploma -
LOCKE HIGH SCHOOL
Skills
- TILA-RESPA ECOA
- Tena/Second look FDCPA
- Aspect Equator CFPD
- Fha-Conncection Walz
- Dataverify Valeri
- Encompass Dataverify
- SWBC Lexis Nexis
- Nautilas Davox& Alltell
- MSP/Fidelity Lenstar
- OFAC
- Negotiation and Conflict Resolution
- Resource Monitoring and Control
Timeline
Senior QC Auditor
09.2020 - 02.2023
Risk Management Analyst
CARRINGTON MORTGAGE HOLDINGS
08.2014 - 09.2020
High School Diploma -
LOCKE HIGH SCHOOL
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