Marcilla Anderson
Tampa,FL
Summary
Over twenty-five (25+) years of "hands-on" experience in Banking, Consumer/Mortgage Lending and Financial Industries. Seeking a position within a reputed organization to expand my knowledge involving Mortgage underwriting with extensive experience in identifying risk and ensuring compliance with government regulations in the mortgage industry. Expertise in conducting detailed analyses to discover inefficiencies in policy and procedures, and implementing quality improvements in a deadline-driven environment. Consistently complete all assignments on time and with superb accuracy. Fast learner even in high-pressure situations. Risk Management Process Improvement Research Analysis Customer Service Quality Assurance Compliance
Overview
21
21
years of professional experience
Work History
Senior Underwriter
SitusAMC
Tampa, USA
09.2021 - 07.2022
- Responsible for reviewing 10 post closing mortgage files a day to confirm compliance with both Federal and Lender specific guidelines.
- Primarily re-assessment/underwriting analysis of income, asset, credit history, including but not limited to: Citing files for inaccuracies/inconsistencies and investigating credibility of borrowers interest to re-pay loan, fraud assessment, ultimate salability of loans and conducting further research if applicable.
- Layered risk evaluation of conventional - Non conventional, jumbo FHA, USDA, VA Freddie Mac, Fannie Mae and manual loans.
- Perform KYC tasks, including monitoring and tracking of KYC records and Appendix readiness, assisting with the development and execution of action planning for expiring records, and ensuring records are not past due.
- Maintain and monitor the process of approving KYC Records and Appendix with all associated parties to ensure timeliness and accuracy.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Banking, its clients and assets.
- Maintained a high level of professionalism and calmness with all personnel even in high-stress situations.
- Followed all regulations, including the Bank Secrecy Act, the Anti-Money Laundering Act, OFAC, the USA Patriot Act, the Privacy Act, and the Community Reinvestment Act.
Underwriting Analyst
SitusAMC
Tampa, USA
02.2017 - 09.2021
- Reviewing 5 loan files for completeness and accuracy per day.
- Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
- Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
- Manual Frontline Underwriting Conventional/Conforming, FHA, USDA, VA, Jumbo, Freddie Mac and Fannie Mae loan products.
- Determining and documenting loan conditions and communication requirements and/or decisions.
- Identifies portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure.
- Maintains knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines.
- Followed all regulations, including the Bank Secrecy Act, the Anti-Money Laundering Act, OFAC, the USA Patriot Act, the Privacy Act, and the Community Reinvestment Act.
Quality Assurance Representative
HSBC
Brandon, USA
12.2014 - 12.2016
- Perform quality reviews for areas such as Collections/Customer Care, Bankruptcy and collaborated variance findings with the business managers and reported results to upper management.
- As a member of the BRM/Quality Monitoring team, I monitored Unit Manager scoring of agent phone contacts with customers to ensure that all calls were scored appropriately in regards to existing Regulations and Internal Policy and Procedures.
- Listened to and evaluated an estimated monthly volume of 75 calls scored by Unit Managers, as well as another 75 calls scored by peers in the organization to ensure the accuracy of their scoring of Unit Manager calls: also successfully completed all required web-based training courses in areas such as Mortgage Terminology, Anti-money Laundering: Records Security and other mandatory training courses.
Operational Risk Officer
HSBC
Brandon, USA
12.2010 - 11.2014
- Executed operational and regulatory risk management, focusing on business continuity, audit remediation, compliance, and information security to ensure an effective control environment.
- Monitored internal control performances related to operational risk of an approximately $18 billion consumer mortgage loan portfolio across multiple functional areas, including, but not limited to, payment servicing, SCRA (Servicemembers Civil Relief Act), bankruptcy, foreclosure and compliance.
- Tested the effectiveness of key controls and identified potential risk factors, liaising with senior management, compliance and legal to mitigate financial, regulatory, and reputational risk.
- Defined and executed control monitoring and testing, evolving attributes on a monthly and quarterly basis, to implement preventative risk measures of the Consumer Mortgage Lending (CML) portfolio to ensure integrity and sustainability of the risk control program.
- Achieved 100% completion of assigned projects in advance of targeted deadlines.
- Provided guidance to functional areas for developing action plans for issues identified, tracking status of remediation activities, and performing validation test work to confirm implementation of action plans.
- Lead strategic analysis of risk root causes, reporting findings and proposing recommendations to remediate.
- Built and managed collaborative working relationships with senior management across multiple business units.
Quality Assurance
HSBC
Brandon, USA
12.2002 - 11.2010
- Conducted comprehensive end to end process audits to ensure adherence to company policies and procedures, State and Federal Regulations.
- Reviewed various lines of businesses from Loan Services to Default Services through risk-based assessments identifying discrepancies.
- Established functional requirements, created test plan, tracked and communicated results of UAT.
- Collaborated with internal business partners to identify and analyze inconsistencies and implement best practices across all organizations.
- Prepared summaries of audit findings and presented senior management with recommendations for improvements, control weakness, compliance breaches, operational loss events, and adverse customer experience.
- Consistently complete all assignments on time and with superb accuracy.
Customer Care Representative
HSBC
Brandon, USA
12.2001 - 11.2002
- Handled incoming telephone calls to current customers regarding questions and concerns in relations to their mortgages.
- Assisted with all general issues including: payments, originating loan document requests, escrow inquiries, payoff requests and refund requests.
Education
High school or equivalent -
North Newton Jr-Sr High School
Morocco, INSkills
- Risk Assessment
- Quality Assurance
- Customer Service
- Time Management
- Research Analysis
- Credit Analysis
- Income Analysis
- Cash Flow Analysis
- Funding Documentation
- Attention to Detail
- Multitasking
- Organization
- Communication Skills
- Problem-Solving
- Business Analysis
- Dependability
- Information Security
- Fast Learning
- Analytical Skills
- Critical Thinking
- Strategic Skills
- Teamwork
- Work Ethic
- Collaboration
- Financial Services
- User Acceptance Testing
- Operational Risk Management
- Active Listening
- Administrative Skills
- Computer Skills
- Process Improvement
- Deadline Management
- Documentation Review
- Risk Identification
Additional Information - Expertise
- Proficient in Microsoft office products including Word, Excel, Outlook, Power Point.
- Know your Customer (KYC), Real Estate Settlement Procedure Act (RESPA), Truth in Lending Act (TILA).
- Operational Risk Management (ORM), Fair Debt Collection Practices Act (FDCPA).
Personal Information
Authorized To Work: US for any employer
Timeline
Senior Underwriter
SitusAMC
09.2021 - 07.2022
Underwriting Analyst
SitusAMC
02.2017 - 09.2021
Quality Assurance Representative
HSBC
12.2014 - 12.2016
Operational Risk Officer
HSBC
12.2010 - 11.2014
Quality Assurance
HSBC
12.2002 - 11.2010
Customer Care Representative
HSBC
12.2001 - 11.2002
High school or equivalent -
North Newton Jr-Sr High School