Lora Freeland
Batavia,OH
Summary
An enthusiastic Professional looking to transition into a Commercial Driver.
Overview
10
10
years of professional experience
Work History
COMPLIANCE AUDITOR AND ADVISOR I
UNIFUND CCR, LLC
10.2023 - 09.2024
- Performing routine risk assessments to help organizations understand compliance risk, scope, and significance
- Monitoring the organization’s compliance with regulations and internal policies to ensure they are up to date with the relevant laws
- Educating employees on compliance regulations and the impact of non-compliance on the organization
- Recording their findings properly and following up with management to ensure the issues are rectified
- Reviewing marketing materials, websites, and presentations to ensure compliance with regulations
- On-boarding new vendors; assisting existing vendors with invoices and account reconciliations in QuickBooks
- Performing administrative tasks such as file creation and maintaining files, records, and reports
- Researches account status and provides updates to firms, vendors, consumers, and internal management team
NETWORK-LIAISON-ACCOUNTING AND INVENTORY I
UNIFUND CCR, LLC
01.2023 - 10.2023
- Approving reconciliations into accounting software for wires, preparing check batches, processing credit card transactions
- Inventory: Work internal reporting for data correction and data validation; understanding corporate, state, firm, and compliance scrubs; preservation of data accuracy; coordinating the import of account, consumer, and case information; synchronizing systems to ensure compliance across user interfaces; reviewing system and automated notes to correct data inputs; processing payments
- Status Reporting: Understanding process workflows and state-level variation; sending and processing reports at various litigation stages – pre-suit, pre-judgment, and post-judgment; updating and correcting status information; identifying data gaps and working to correct them at the source;
- Correspondence: Answering account-level questions, facilitating resolution to operational inquiries, providing support to ensure proper account handling through skip-tracing and timely account closures, dispute resolution, and media inquiries;
- Performance Standards: Working with attorneys as a Liaison in the areas of accounting, account resolutions, media, audit/compliance, Attorney portal contact assembly/setup, and information technology groups
- Accounting: Working with attorneys to hold them to monthly revenue performance goals; working as accounting point of contact for network members, facilitating issues and answering questions; maintaining track toward the mid-month goal; providing concentrated support for End-of-Month to ensure accurate revenue reporting for projected goal
FUNDER
Mr. Cooper Group
11.2020 - 06.2022
- Initiated wire transfers to title companies for disbursement
- Performed multiple compliance reviews of over 200 loans per month, generating and compiling reports as final loan oversight
- Drafted audit reports that provided a clear description of issues identified
- Engaged with internal stakeholders in the resolution of the compliance, discussing the implementation of updated policies and procedures
- Collaborated with underwriting, processing, accounting, and title departments to exchange information, troubleshoot issues, and maintain exceptional customer service across all touchpoints
- Conducted internal audits of random loans to ensure the company adheres to federal and state regulations
- Designed a compliance checklist that included all key points to review to reduce the turnaround time to maintain a significantly high client volume and the integrity of the organization
- Reorganized the PnP in collaboration with the legal team to ensure all staff were knowledgeable of compliance rules and regulations for audits, leading to a reduced number of errors, higher accuracy, and improved customer satisfaction
MORTGAGE CLOSER
US Bank
03.2020 - 11.2020
- I completed step-by-step closing procedures for over 120 loans monthly, working closely with internal partners to minimize compliance issues and facilitate positive customer experiences
- Performed mortgage closing procedures in alignment with scheduled closing dates and times, gathering and verifying loan documentation, compiling closing packages, and preparing final closing disclosures
- Interfaced with loan officers and title agents to determine closing costs offset by lender credits and cures, review cash to close, and calculate final funding wires
- Quickly learned and acclimated to new guidelines and compliance requirements for specialized loan products, creating and introducing a new workflow teamwide to improve individual processing
- Escalated significant audit issues as soon as they were identified
POST-CLOSING MANAGER
River City Mortgage, LLC
02.2019 - 02.2020
- Carried out post-closing procedures to minimize risks, analyzed closing documents for Conventional, VA, and FHA Loans to ensure they were accurately completed in alignment with lending requirements, and maintained regulatory compliance guidelines
- Contacted borrowers for missing and incomplete information before completing closing packages and distributing them to investors for purchasing, satisfying all purchase conditions within three days for over 100 loans per month
- Gathered Home Mortgage Disclosure Act (HMDA) data on all loans to ensure the company is providing adequate lending
- Created a new process that decreased the amount of time needed to process and manage closing documents, growing the business substantially to allow for more cash flow to invest in new clients
- Design a streamlined workflow to guide daily job functions and overall productivity, paving the way for two additional staff
MORTGAGE CLOSER – LEAD
TATA Consultancy Services
07.2018 - 02.2019
- Transitioned to a Team Lead role, personally closing over 100 loans while overseeing 800+ loan closings teamwide each month
- Set the tone for loan production and final closings, exhibiting best practices through hands-on leadership and training new hires on closing processes and procedures
- Conducting compliance assessments on VA and FHA loans
- Reviewing changes in regulations, including federal and state level
- Enforced regulatory guidelines and requirements to ensure compliance throughout all initial and final closing functions, conducting periodic audits to identify areas for improvement in daily procedures
- Collaborated with the Title department to determine closing costs, cures, and lender credits and calculate the funding wires, utilizing the details to prepare Initial Closing Disclosures per TRID guidelines for on-time closing dates
MORTGAGE PROCESSOR III
TATA Consultancy Services
07.2016 - 07.2018
- Handled a robust pipeline of up to 70 loans per month, reviewing loan applications and underwriting guidelines for omissions and discrepancies to gain final approval and close an average of 35 loans each month
- Collaborated with loan officers from start to finish to fulfill all loan requirements including proof of assets, rate locks, employment verification, mortgage statements, ordering payoffs, tax returns, P&L statements, and paystub documentation
- Handled routine and specialized mortgage processing tasks including appraisal management, coordination of insurance coverage, titling requirements, application updates, and client engagement
- Adhered to TRID guidelines, preparing and delivering all closing disclosures at least three days before closing to all parties
- Served as a subject matter expert, training new hires on acceptable and mandated requirements for loan processing
FUNDING MANAGER / UNDERWRITING ANALYST / PROCESSING/DATA SPECIALIST
The Business Backer (Enova)
06.2014 - 07.2016
- Reorganized the sales process and improved loan tracking to update accounts with past due payments, accurately record future payments, and facilitate new loan approvals, growing the funding capacity by 6% within five months
- Developed and gained buy-in to implement a new template to improve overall information retrieval for contract management, realizing $1M in additional revenue due to decreased turnaround time for approvals
- Initiated wires in QuickBooks, updated the ledger and maintained accurate records of transactions and account balances
Education
MBA - Finance
Ashford University
Clinton, IA05-2014
Skills
- Safe driving
- Strong work ethic
- Self-motivation and discipline
- Safe driving practices
Timeline
COMPLIANCE AUDITOR AND ADVISOR I
UNIFUND CCR, LLC
10.2023 - 09.2024
NETWORK-LIAISON-ACCOUNTING AND INVENTORY I
UNIFUND CCR, LLC
01.2023 - 10.2023
FUNDER
Mr. Cooper Group
11.2020 - 06.2022
MORTGAGE CLOSER
US Bank
03.2020 - 11.2020
POST-CLOSING MANAGER
River City Mortgage, LLC
02.2019 - 02.2020
MORTGAGE CLOSER – LEAD
TATA Consultancy Services
07.2018 - 02.2019
MORTGAGE PROCESSOR III
TATA Consultancy Services
07.2016 - 07.2018
FUNDING MANAGER / UNDERWRITING ANALYST / PROCESSING/DATA SPECIALIST
The Business Backer (Enova)
06.2014 - 07.2016
MBA - Finance
Ashford University
Class A Driver's License - obtained October 2024 through Napier Truck Driver School
Hazmat Endorsement, Doubles/Triples Endorsement, Tanker Endorsement
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