LaTyshua Hill
Cedar Hill,TX
Summary
Results-driven Due Diligence Operations Manager with 28+ years' experience in mortgage production and title industry. Demonstrated expertise in management, business analysis, and real estate as a Realtor for 17 years. Detail-oriented with strong analytical, judgment, and communication skills. Passionate about providing effective solutions and resolving complex problems. Extensive knowledge of federal regulations and regulatory agencies including FHLMC, FNMA, and CFPB.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Underwriting Operations Supervisor
Selene Diligence
12.2021 - 02.2023
- Executes operational directives and strategy while supporting client delivery SLA’s; responsible for underwriter and QC production goals
- Managed daily operations for optimal performance, ensuring smooth workflows and timely completion of tasks.
- Ensured compliance with company policies, industry regulations, safety standards, and local laws during daily operations.
- Performed QC Audits of reporting and securitization
Remote Mortgage Underwriter
Sourcepoint Mortgage
03.2021 - 06.2021
- Review and verify all financial documents to assess economic health of loan applicant including verifying income and employment as well as applicants credit history.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Business Risk and Controls Advisor Lead (BRCA - Contract)
Protiviti/Robert Half Financial (USAA)
05.2019 - 12.2020
- Managed portfolio of business line issues from identification through remediation for banking division
- Maintained up-to-date knowledge on industry trends and regulations, ensuring accurate advice was provided to clients at all times.
- Managed risk effectively by closely monitoring client portfolios and making timely adjustments.
- Responsible for governance and management of risk, compliance and regulatory issues within issue lifecycle for Deposit Experience
- Collaborate with Compliance and Risk Management; Provide guidance in execution of Control Self-Assessments
Underwriting Compliance Analyst (Contract)
American Mortgage Consultants
08.2018 - 11.2018
- Review loan packages, underwriting guidelines, or data files to identify documentation necessary for review; Appraisal review
Processing Supervisor
CU Members Mortgage
12.2017 - 08.2018
- Effectively managed loan product pipeline to meet expected closing dates, lock expiration dates, turn times and compliance requirements
- Promoted safe working practices to maintain compliance with established policies and procedures.
Operations Analysis 4/Reporting and Analytics (Contract)
Disys, LLC (Wells Fargo Dealer Services)
01.2017 - 12.2017
- Perform case level root cause analysis on customer complaints and use findings to drive solutions to improve the customer experience through the categories of repossession, credit reporting, internal error, and collection practices
- Improved customer satisfaction rates by leveraging advanced analytics methodologies to better understand consumer behavior patterns.
- Developed comprehensive analytics strategies to support key business decisions, driving growth and profitability.
Loan Processing Manager, Underwriter
Genpact Mortgage Services (USAA, Greentree)
03.2012 - 12.2016
- Managed and lead a team of 23 loan processors to ensure effective process of loan procedures.
- Led a team of loan processors to achieve high performance levels while maintaining strict adherence to regulatory requirements.
- Optimized inter-departmental collaboration by establishing clear channels of communication between the sales team and underwriting staff.
- Improved team productivity, coordinating training sessions on industry regulations and compliance standards for loan processors.
- Collaborated with underwriters to ensure accurate evaluation and risk assessment for each loan application, contributing to a lower default rate.
- Managed a diverse portfolio of loans, ensuring prompt processing and approval for clients across various industries.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
Education
Underwriter Certification -
Campus Mortgage – NAMU (National Association of Mortgage Underwriters)
Green Belt & Lean Six Sigma Trained/Tested -
Genpact Mortgage Management Training (Professional Development)
Associate of Applied Science - Business Administration
Kaplan University
Davenport, IA01.2017
Skills
- Mortgage Processing, Underwriting, Closing
- Root cause analysis/Issue Management
- Process management
- Loan servicing
- Regulatory Compliance
- Customer service
- Credit report analysis/Financial document review
- Appraisal review
- Due diligence underwriting
- Forensic underwriting
- Risk assessment
- Mortgage software (Encompass, Empower, LauraMac)
- MS Office
- Resolving Problems
Certification
- Certified SAFe 5 Product Owner/Product Manager - 2022
- Certified SAFe 5 Scrum Master - 2022
- Texas Realtor – 2006
- Texas All-Lines Insurance Adjuster - 2023
Timeline
Underwriting Operations Supervisor
Selene Diligence
12.2021 - 02.2023
Remote Mortgage Underwriter
Sourcepoint Mortgage
03.2021 - 06.2021
Business Risk and Controls Advisor Lead (BRCA - Contract)
Protiviti/Robert Half Financial (USAA)
05.2019 - 12.2020
Underwriting Compliance Analyst (Contract)
American Mortgage Consultants
08.2018 - 11.2018
Processing Supervisor
CU Members Mortgage
12.2017 - 08.2018
Operations Analysis 4/Reporting and Analytics (Contract)
Disys, LLC (Wells Fargo Dealer Services)
01.2017 - 12.2017
Loan Processing Manager, Underwriter
Genpact Mortgage Services (USAA, Greentree)
03.2012 - 12.2016
Underwriter Certification -
Campus Mortgage – NAMU (National Association of Mortgage Underwriters)
Green Belt & Lean Six Sigma Trained/Tested -
Genpact Mortgage Management Training (Professional Development)
Associate of Applied Science - Business Administration
Kaplan University
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