Summary
Overview
Work History
Skills
Timeline
Generic

Lisa M. Houston

Southfield,MI

Summary

With over 20 years of experience in similar roles throughout my career, I am confident in my ability to contribute effectively to your team and enhance operational efficiencies. At Benchmark Mortgage, I honed my skills in Testing, Problem Solving, and Communication with loan offices, closers, underwriters, and legal professionals. I managed significant responsibilities in workflow enhancement, operational efficiency, and compliance while providing high-quality support to end users. My comprehensive skill set includes proficiency in Zendesk, Microsoft Teams, Azure, DocuSign, Lexis Nexis, Floify, and Encompass. I excel in customer support, system knowledge, process knowledge, QA methodologies, and team leadership, consistently uplifting the teams I work with and enhancing service delivery. I am excited about the opportunity to bring my expertise in Application Support to your company, contributing to your team's success and ongoing projects. Let's discuss how I can contribute to your goals. Thank you for considering my application. I hope to bring my background in regulatory compliance and audit preparation, along with my problem-solving and team leadership skills, to your organization.

Overview

22
22
years of professional experience

Work History

Compliance Specialist Team Lead

Benchmark Mortgage (Ark-La-Tex Financial Service LLC, Plano, TX)
09.2018 - 09.2024
  • Managed Zendesk, a daily work queue of100+ general and loan-level compliance questions
  • Works closely with loan officers, answering general questions and resolving issues that can potentially be an issue
  • Monitors trends and identifies training opportunities as well as process and system enhancements
  • Assists with internal and external regulatory and agency audits/exams
  • Maintains database of opt-out notices
  • Remains current on changing state and federal regulations and ensures up-to-date compliance for multi-state locations
  • HMDA, Post Consummation, In-House Loan reporting
  • VA, FHA, USDA monitoring
  • Internal Auditing

Due Diligence/Compliance/Default Foreclosure Analyst

BEAL BANK/MGC MORTGAGE/BSB CAPITAL, Plano, TX
04.2014 - 07.2018
  • Analyzed defaulted mortgage loans to ensure timelines are met according to state specific guidelines
  • Reviewed reports for exceptions and timeline discrepancies
  • Worked closely with associated departments and outside servicers including attorneys
  • Reviewed all pleadings such as: title, demand/breach letters, complaint and judgments to ensure accuracy before scheduled foreclosure sales take place
  • Managed Email Workflow ensuring all emails are assigned and handled timely
  • Performed bankruptcy scrubs on charge off loans
  • Prepared/presented various recommendations pertaining to the defaulted portfolio to a Residential Loan Committee for decision/approval
  • Prepared trial packages for litigated/contested loans
  • Reviewed secure/unsecured, ARM terms
  • Performed audits in various areas of the foreclosure process
  • Analyzed complex datasets to identify key trends and insights.

Senior Default Foreclosure/Compliance/Quality Control/Billing Representative

TROTT AND TROTT P.C., Farmington Hills, MI
10.2002 - 04.2014
  • Reviewed all foreclosure files for accuracy
  • Monitored and updated all external servicing systems such as LPS Desktop/Black Knight, Vendorscape, Centrix etc
  • Trained employees, scheduled team deadlines making sure all deadlines are met
  • Tracked, prioritized and assigned daily foreclosure tasks
  • Reviewed county turn-ins to ensure all sheriff's deeds and adjournments were accounted for and on time
  • Reviewed and monitored reports internal and external such as; sales reports, published file reports, reinstatement and payoff reports, closed file and adjournment reports
  • Reviewed title for proper chain of ownership, if not, obtaining clear title before sale
  • Audited Foreclosure, eviction, bankruptcy and litigated loans
  • Monitored internal phone calls to ensure stellar customer service to borrowers, clients and third party callers
  • Ensured proper guidelines, procedures and communication are followed and maintained
  • Identify, address and report any compliance issues as risks
  • Invoiced clients defaulted loans according to timeframes and guidelines, obtained adjournment and foreclosure fee approvals from investors such as; Fannie Mae/Freddie Mac

Skills

  • Encompass
  • Zendesk
  • QC Ally
  • Lexis Nexis
  • Floify
  • FHA Connection
  • VA Loan Guaranty
  • USDA
  • MSP
  • Vendoscape
  • Lenstar
  • NMSRD
  • PACER
  • Ellie Mae
  • LPS Desktop
  • NMLS

Timeline

Compliance Specialist Team Lead

Benchmark Mortgage (Ark-La-Tex Financial Service LLC, Plano, TX)
09.2018 - 09.2024

Due Diligence/Compliance/Default Foreclosure Analyst

BEAL BANK/MGC MORTGAGE/BSB CAPITAL, Plano, TX
04.2014 - 07.2018

Senior Default Foreclosure/Compliance/Quality Control/Billing Representative

TROTT AND TROTT P.C., Farmington Hills, MI
10.2002 - 04.2014
Lisa M. Houston