Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline

Marie Ayala

Cake Mortgage
Winnetka,CA
1
Certification
26
years of professional experience

Results-oriented Non-QM QC Team Lead with extensive experience in mortgage quality control, underwriting review, compliance monitoring, and risk management across complex non-agency loan products. Proven ability to lead QC teams, oversee pre-funding and post-closing audits, identify underwriting and documentation defects, and ensure compliance with investor-specific Non-QM guidelines. Strong expertise in Bank Statement, DSCR, Asset Depletion, Jumbo, and Investor Cash Flow loan programs. Adept at reducing defect rates, improving loan quality, and strengthening operational controls through trend analysis and process improvement.

Work History

QC Team Lead

3 Months
Cake Mortgage | 03.2026 - Current
  • Lead and supervise a team of Quality Control Analysts conducting pre-funding, EDP, Fraud, and and post-closing mortgage audits.
  • Review complex mortgage files to ensure compliance with company, investor, agency, and regulatory requirements.
  • Monitor team productivity, quality metrics, and service-level agreements to ensure timely completion of audits.
  • Conduct file reviews involving income, assets, credit, collateral, and underwriting decisions.
  • Identify defect trends and perform root cause analysis to reduce loan quality issues.
  • Provide coaching, training, and performance feedback to QC staff.
  • Collaborate with Underwriting, Processing, Closing, and Compliance departments to resolve findings and improve quality.
  • Prepare monthly executive reports detailing audit results, defect rates, and risk trends.
  • Assisted in reducing critical loan defects by 20% through enhanced review procedures and staff training.
  • Supported internal, investor, and regulatory examinations with successful audit outcomes.

Senior QC Underwriter

5 Years 5 Months
Cake Mortgage | 10.2020 - 03.2026
  • Conduct comprehensive underwriting quality control reviews on mortgage loan files, including Conventional, Government, Jumbo, and Non-QM products.
  • Evaluate credit, income, assets, employment, collateral, and underwriting decisions for compliance with investor and regulatory guidelines.
  • Identify underwriting defects, documentation deficiencies, and compliance issues impacting loan salability and risk exposure.
  • Perform root cause analysis and recommend corrective actions to reduce recurring defects.
  • Review complex Non-QM loans, including Bank Statement, DSCR, Asset Depletion, Jumbo, and Investor Cash Flow products.
  • Collaborate with underwriting management and operations teams to improve loan quality and underwriting consistency.
  • Prepare detailed QC reports and communicate findings to senior leadership.
  • Assist with investor, internal, and external audits.
  • Validate any investor findings as well as any repurchase file.
  • Assign daily work to the team.
  • Review and rebuttal all escalations.

QC Underwriter

7 Years 7 Months
PennyMac Home Loan Services | 03.2013 - 10.2020
  • Perform independent quality control reviews of Agency mortgage loans to verify underwriting accuracy and guideline compliance.
  • Re-underwrite loan files, including borrower credit, income, assets, employment, liabilities, and collateral documentation.
  • Validate adherence to Fannie Mae, Freddie Mac, FHA, VA, USDA, and company underwriting requirements.
  • Identify material defects, calculate defect severity levels, and document findings in QC reports.
  • Conduct root-cause analysis to identify recurring underwriting and documentation issues.
  • Communicate findings to underwriting management and business partners to support corrective action plans.
  • Review appraisal reports and collateral documentation for compliance and eligibility.
  • Assist with internal audits, investor reviews, and regulatory examinations.

Compliance Analyst

7 Years 7 Months
PennyMac Home Loan Services | 03.2013 - 10.2020
  • Conduct compliance reviews of mortgage loan files to ensure adherence to federal, state, investor, and company requirements.
  • Evaluate loan disclosures, underwriting decisions, closing documentation, and servicing processes for regulatory compliance.
  • Monitor compliance with TRID, RESPA, TILA, ECOA, HMDA, and fair lending requirements.
  • Identify compliance risks and recommend corrective actions to mitigate potential regulatory exposure.
  • Assist with internal audits, investor reviews, and regulatory examinations.
  • Prepare compliance reports, findings summaries, and trend analyses for management.
  • Collaborate with Quality Control, Underwriting, Operations, and Legal teams to resolve compliance issues.
  • Support implementation of regulatory updates and policy changes.

Compliance Supervisor

10 Months
Prospect Mortgage | 05.2012 - 03.2013
  • Supervise the HMDA compliance and reporting function, ensuring accurate collection, validation, and submission of HMDA Loan Application Register (LAR) data.
  • Lead a team responsible for HMDA quality reviews, data integrity testing, and regulatory reporting activities.
  • Monitor compliance with HMDA/Regulation C requirements and ensure adherence to applicable regulatory standards.
  • Conduct periodic audits and testing of HMDA reportable fields to identify and correct data discrepancies.
  • Analyze lending data for fair lending and reporting risks and recommend corrective actions where necessary.
  • Coordinate annual HMDA submissions and respond to regulatory inquiries and examination requests.
  • Partner with Compliance, Operations, Underwriting, Quality Control, Secondary Marketing, and Information Technology teams to ensure data accuracy.
  • Develop procedures, controls, and training programs related to HMDA reporting requirements.
  • Track regulatory updates and implement process changes to maintain compliance.

Government Insuring Specialist

11 Months
Prospect Mortgage | 06.2011 - 05.2012
  • Review closed FHA loan files to ensure compliance with FHA insuring requirements and eligibility standards.
  • Validate borrower, property, underwriting, and closing documentation before submission for insurance endorsement.
  • Submit loans through FHA Connection and monitor endorsement status.
  • Identify and resolve insuring deficiencies, documentation exceptions, and data discrepancies.
  • Collaborate with Closing, Funding, Underwriting, Quality Control, and Post-Closing departments to obtain missing documentation and clear conditions.
  • Maintain compliance with FHA regulations, HUD requirements, and company policies.
  • Track pipeline status and ensure timely submission of loans to meet insuring deadlines.
  • Support internal audits and quality control reviews related to FHA loan delivery and endorsement.

Foreclosure Specialist

5 Months
Bank of America Home Loans | 01.2011 - 06.2011
  • Manage a portfolio of defaulted mortgage loans through the foreclosure process while ensuring compliance with investor, insurer, and regulatory requirements.
  • Coordinate with foreclosure attorneys, trustees, and third-party vendors to monitor case progression and meet required timelines.
  • Review foreclosure referrals for accuracy, completeness, and eligibility.
  • Track foreclosure milestones, sale dates, postponements, and completion activities.
  • Ensure compliance with federal regulations, state foreclosure laws, investor requirements, and company policies.
  • Review bankruptcy notifications, loss mitigation activities, and foreclosure holds to ensure appropriate actions are taken.
  • Resolve escalated issues, title concerns, and documentation deficiencies affecting foreclosure progression.
  • Maintain accurate servicing records and prepare management reports regarding foreclosure activity and risk exposure.
  • Support internal audits, investor reviews, and regulatory examinations.

Mortgage Servicing Specialist

2 Years 3 Months
Countrywide Home Loans | 10.2008 - 01.2011
  • Review post-closing loan files to identify documentation, underwriting, and compliance deficiencies prior to investor delivery or insuring.
  • Work investor suspense conditions by researching, validating, and obtaining missing or corrected documentation.
  • Coordinate with underwriting, closing, funding, and post-closing teams to resolve loan exceptions in a timely manner.
  • Ensure loans meet Fannie Mae, Freddie Mac, FHA, VA, and internal investor guidelines prior to purchase or insurance submission.
  • Track deficiency pipelines and maintain service-level deadlines to prevent delays in loan delivery or insuring.
  • Analyze root causes of recurring deficiencies and recommend process improvements to reduce defect rates.
  • Prepare deficiency status reports and communicate findings to management and operational leadership.
  • Support internal audits, investor reviews, and regulatory examinations by providing accurate loan documentation and resolution history.greements.

Fraud and Risk Analyst

8 Years 9 Months
Countrywide Home Loans | 01.2000 - 10.2008
  • Review mortgage loan files to identify potential fraud risks, misrepresentation, and inconsistencies in borrower, income, asset, and property documentation.
  • Analyze loan data for red flags such as occupancy fraud, straw buyers, inflated income, undisclosed liabilities, and appraisal irregularities.
  • Conduct risk-based reviews aligned with investor, agency, and internal credit policy guidelines.
  • Collaborate with underwriting, quality control, compliance, and legal teams to escalate and resolve high-risk findings.
  • Perform root cause analysis on fraud trends and recommend process improvements to strengthen risk controls.
  • Support fraud prevention initiatives by enhancing review procedures and risk detection frameworks.
  • Document investigative findings and prepare detailed risk and fraud analysis reports for management.
  • Assist in internal audits, investor reviews, and regulatory examinations involving fraud and risk concerns.

Education

High School Diploma

Birmingham Charter High School | Van Nuys, CA | 06-1997

Skills

Non-QM Quality Control Leadership
Team Supervision & Coaching
Pre-Funding & Post-Closing QC Reviews
Bank Statement & DSCR Loan Analysis
Asset Depletion & Jumbo Loans
Investor Cash Flow Programs
Underwriting & Compliance Validation
Risk Assessment & Defect Analysis
Investor & Non-Agency Guidelines
Root Cause Analysis
Audit Support (Internal & Investor)
Process Improvement & Workflow Optimization
Loan File Review (Credit
Income
Assets
Collateral)
Regulatory Awareness (TRID
RESPA
TILA
ATR/QM)

Certification

  • Notary
  • Immigration Specialist

Languages

Spanish
Native or Bilingual

Timeline

QC Team Lead

Cake Mortgage
03.2026 - CurrentRead More

Senior QC Underwriter

Cake Mortgage
10.2020 - 03.2026Read More

QC Underwriter

PennyMac Home Loan Services
03.2013 - 10.2020Read More

Compliance Analyst

PennyMac Home Loan Services
03.2013 - 10.2020Read More

Compliance Supervisor

Prospect Mortgage
05.2012 - 03.2013Read More

Government Insuring Specialist

Prospect Mortgage
06.2011 - 05.2012Read More

Foreclosure Specialist

Bank of America Home Loans
01.2011 - 06.2011Read More

Mortgage Servicing Specialist

Countrywide Home Loans
10.2008 - 01.2011Read More

Fraud and Risk Analyst

Countrywide Home Loans
01.2000 - 10.2008Read More

Birmingham Charter High School

High School Diploma
Read More

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Marie Ayala