Matt Cooney
Clive
Summary
Diligent quality control professional with a robust foundation in quality assurance processes and regulatory compliance. Proven expertise in identifying and resolving discrepancies while ensuring adherence to industry standards and maintaining high-quality benchmarks. Recognized for strong analytical skills, attention to detail, and a proactive approach to problem-solving, fostering effective collaboration within teams to achieve optimal results. Committed to continuous improvement and adept at navigating dynamic environments, consistently driving positive change in quality control practices.
Overview
20
20
years of professional experience
Work History
Quality Control Auditor II
DHI Mortgage
07.2023 - Current
- Conducted quality audits to ensure compliance with industry regulations and company standards.
- Led training sessions for staff on quality assurance protocols and best practices.
- Collaborated with cross-functional teams to identify areas for process improvement.
- Analyzed audit findings to recommend corrective actions and enhance operational efficiency.
- Utilized data analysis tools to track compliance metrics and report trends to management.
- Enhanced product quality by conducting thorough audits and identifying areas for improvement.
- Identified issues of non-compliance and elevated reports to senior personnel.
- Reviewed and resolved issues raised during release of API, Safety Assessment or clinical supply lots for conformance to appropriate regulatory requirements.
- Participated in compliance inquiries and provided interpretation of data to guide investigators in creation of Corrective and Preventive Actions.
- Developed and implemented quality control procedures to enhance auditing processes.
Senior Mortgage Underwriter
Caliber Homes/NewRez
02.2021 - 04.2023
- Conduct thorough reviews of conventional/FHA loan files direct to consumers to ensure that they meet underwriting guidelines, investor requirements, and regulatory standards.
- Identify and escalate potential issues or discrepancies to management, including fraud or misrepresentation as they relate to suspected crime and AML/BSA/USA PATRIOT Act regulations.
- Analyze financial documents, credit reports, and other borrower information to determine creditworthiness and risk level.
- Experienced at reviewing Profit and Loss and Balance Sheet Statements for businesses and comparing to most recent tax year filed for business to support continuance.
- Experienced at calculating liquidity of 1120, 1120s and 1065 businesses to verify ability to repay.
- Verify the accuracy of loan data and calculations, including income, assets, and debt-to-income ratios.
- Effectively communicate with loan officers, borrowers, and other stakeholders, and consistently deliver high-quality work in a fast-paced environment.
- (Caliber Home Loans was purchased by New Residential causing mass layoffs)
Lending Manager
Wells Fargo Home Mortgage
08.2019 - 02.2021
- SAFE Registration, NMLS ID and LO Qualifications.
- Managed a team of 25+ Underwriters on Self-Employment Review Team.
- Often directly overseeing training, coaching, and quality assurance that ensures the continued growth and success of staff.
- Instructs team members on guidelines of underwriting, internal auditing, credit risk mitigation, and complex problem solving.
- Coached, managed, and developed new and struggling underwriters.
- Wrote year end reviews annually for direct reports.
- Maintain team quality and production by conducting regular team meetings.
- Developed and implemented quality assurance procedures and guidelines to improve the accuracy and efficiency of the underwriting process.
- Collaborated across business lines with our operations partners providing feedback and recognition to ultimately close the turn times and quality of experience for our borrowers.
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
06.2015 - 08.2019
- Team Lead of Self-Employment Review Team.
- Analyzed the most complex financial information for Agency customer loans according to business unit standards for a more complex portfolio.
- Compiles, analyzes, and documents income reviews for customers owning a significant number of businesses, trusts, and/or rental properties.
- Received high overall underwriting metrics of production, risk management, and loyalty with best overall underwriter in 2019.
- Selected to pilot, coordinate and execute National Title Review Team (NTRT) that was used company wide.
- Requested by leadership to assist others improve their underwriting skills, ensure consistency in underwriting decisions, and ensure that all underwriting decisions comply with federal and state regulation and company policy.
- Strong analytical, attention to detail, knowledge of policy, risk management, and problem-solving skills demonstrated.
Mediation Mortgage Underwriter
Wells Fargo Home Mortgage
10.2013 - 06.2015
- Underwrote mediation loans with manual review of complex underwriting decisions due to non-conventional lending situations and attended conferences with the company's foreclosure attorney and state-placed mediators in a complex underwriting environment with high reputational risk scenarios.
- Provide guidance and support to borrowers throughout the mediation process, including explaining their options and helping them prepare for mediation sessions.
- Review and analyze legal documents related to mortgage mediation, including foreclosure notices and settlement agreements.
- Maintain accurate and detailed records of mediation proceedings, including agreements reached and recommendations made.
- Analyze borrower financial information, including income, assets, and liabilities, to determine eligibility for mediation programs.
- Delegated for Wells Owned, Wells Fargo Financial, Bankruptcy, Litigation, Bank & Private, and Home Equity.
Consumer Loan Underwriter 1-3
Wells Fargo Home Mortgage
06.2009 - 10.2013
- Underwrote Conventional, FHA and VA mortgage applications.
- Conducting quality assurance reviews of mortgage loan files to identify errors, discrepancies, or inconsistencies.
- Collaborated across business lines with our operations partners providing feedback and recognition to ultimately close the turn times and quality of experience for our borrowers.
Mortgage Loan Officer 1-2
Wells Fargo Home Mortgage
12.2006 - 06.2009
- Sold mortgage loans via Consumer Direct leads.
- Consistent leader in sales, volume, and conversion. Consistently ranked in the top ten in sales.
- Built customer relations, initiate interest and maintain trust with many diverse clients.
Assistant Manager
Walgreens
01.2006 - 12.2006
Education
Bachelor of Arts - Finance
University of Northern Iowa
Cedar Falls05-2006
Associate of Arts - Fire Science
Kansas City Kansas Community College
Kansas City05-2003
Skills
- Strong leadership traits
- Quality management tools
- Real-time inspection monitoring
- Quality assurance systems
- Documentation review
- Quality management systems
- Auditing techniques
- Internal auditing
- Standards compliance
- Data interpretation
Websites
Personal Information
Title: ANALYST, CREDIT & COMPLIANCE
Timeline
Quality Control Auditor II
DHI Mortgage
07.2023 - Current
Senior Mortgage Underwriter
Caliber Homes/NewRez
02.2021 - 04.2023
Lending Manager
Wells Fargo Home Mortgage
08.2019 - 02.2021
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
06.2015 - 08.2019
Mediation Mortgage Underwriter
Wells Fargo Home Mortgage
10.2013 - 06.2015
Consumer Loan Underwriter 1-3
Wells Fargo Home Mortgage
06.2009 - 10.2013
Mortgage Loan Officer 1-2
Wells Fargo Home Mortgage
12.2006 - 06.2009
Assistant Manager
Walgreens
01.2006 - 12.2006
Bachelor of Arts - Finance
University of Northern Iowa
Associate of Arts - Fire Science
Kansas City Kansas Community College