NAKIA R. ALI
Prosper,USA
Summary
Operations, compliance, and quality assurance professional with 15+ years of experience supporting highly regulated environments across mortgage banking, risk management, audit, and client operations. Proven ability to manage high-volume, high-risk case files while ensuring compliance with federal regulations, agency guidelines, and internal controls. Recognized for audit readiness, stakeholder coordination, analytical judgment, and translating complex regulations into executable processes. Skills are highly transferable to healthcare operations, insurance, and government/defense contractors.
Overview
18
18
years of professional experience
1
1
Certification
Work History
BARTENDER
Omni Hotel
Frisco, TX
04.2022 - Current
- Crafted and served cocktails utilizing classic techniques and modern mixology trends.
- Managed bar inventory, ensuring availability of essential supplies and minimizing waste.
- Provided exceptional customer service, fostering positive guest experiences through attentive engagement.
- Trained new staff on bartending techniques, safety protocols, and customer interaction standards.
PURCHASE CLEARING SPECIALIST
Supreme Lending
Texas
07.2023 - 01.2026
- Managed and cleared a high-volume pipeline of purchase loan files per month while consistently meeting aggressive closing timelines and service-level expectations.
- Reviewed, validated, and cleared files in accordance with Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines, as well as internal policies and federal regulations.
- Evaluated purchase contracts, credit, income, assets, disclosures, title, and underwriting conditions to ensure loan salability and clear-to-close readiness.
- Identified compliance risks, documentation gaps, and data discrepancies; escalated complex issues to underwriting and leadership as required.
- Collaborated daily with loan officers, processors, underwriters, title companies, and secondary market teams to resolve conditions efficiently.
- Ensured accuracy, completeness, and data integrity across systems while handling sensitive borrower information.
- Supported audit readiness by maintaining consistent quality standards and minimizing post-closing and suspense conditions.
PURCHASE CLEARING SPECIALIST / QUALITY ASSURANCE AUDITOR
Fairway Independent Mortgage Corporation
04.2016 - 08.2022
- Cleared and audited high-volume mortgage loan files for compliance with Fannie Mae, Freddie Mac, FHA, VA, and USDA investor and agency requirements.
- Conducted detailed pre- and post-closing quality reviews to ensure adherence to regulatory, investor, and organizational standards.
- Reduced suspense rates and loan deficiencies by partnering with operations, branches, and title vendors to resolve compliance issues.
- Identified trends, systemic gaps, and recurring errors; documented findings and delivered corrective action recommendations.
- Trained and guided purchase clearing coordinators on compliance standards, audit findings, and escalation procedures.
- Forecasted workload volumes and analyzed data trends to support operational planning and risk mitigation.
- Initiated and reviewed Mavent compliance testing, determining required remediation and corrective actions.
- Maintained high audit scores and quality benchmarks while managing competing priorities.
LOSS MITIGATION UNDERWRITER
Capital One
02.2014 - 02.2016
- Evaluated borrower eligibility and risk exposure to determine appropriate mitigation strategies in compliance with federal and agency guidelines.
- Processed and closed loan modifications including FHA, Fannie Mae, and Freddie Mac products.
- Negotiated alternatives to foreclosure such as repayment plans, forbearance, short sales, deeds-in-lieu, and partial claims.
- Reviewed credit, income, tax transcripts, appraisals, and title documentation for accuracy and compliance.
- Managed escalated, high-risk cases requiring policy interpretation and analytical judgment.
- Participated in governance, risk, and compliance (GRC) initiatives and root-cause analysis.
COMMUNITY OUTREACH SPECIALIST
GMAC Mortgage LLC
08.2008 - 09.2013
- Provided client-facing support in heavily regulated environments requiring confidentiality and documentation accuracy.
- Conducted detailed intake, income analysis, and eligibility assessments for loss mitigation programs.
- Educated borrowers, community groups, and nonprofit organizations on foreclosure prevention and compliance requirements.
- Collaborated with legal, compliance, and quality teams to resolve complex cases.
- Represented the organization in mediations, depositions, and court proceedings.
Education
Bachelor of Technology - Psychology
University of Phoenix
Additional Coursework - Business Management
Milwaukee Area Technical College
Additional Coursework -
University of Wisconsin - School of Education
Skills
- Regulatory Compliance & Governance
- Customer relationship management
- Inventory management
- Team performance improvement
- Vendor relations
- Compliance analysis
- Risk evaluation
- Loan processing
- Mortgage underwriting
- Quality Assurance (QA/QC)
- Risk Assessment & Mitigation
- Documentation Review
- Policy Adherence
- Case Management
- Audit Readiness
- Confidential Data Handling
- Stakeholder Coordination
- Process Improvement
- Documentation management
- Customer relations
- Quality assurance
- Management collaboration
- Advanced communication
- Expert problem solving
Certification
Texas All-Lines Adjuster License, Active, #3010009
Accomplishments
- Case Management Systems
- Audit & QA Tools
- Encompass
- Mavent
- Tableau
- Microsoft Word
- Excel
- PowerPoint
- Outlook
- Teams
- Windows & macOS
Volunteer Experience
- Junior Achievement, Personal Finance & Budgeting
- Habitat for Humanity, Family Home Construction
- Genesis Women's Shelter, Mission & Service Education
Awards Recognition
- Dedication & Willingness to Help Award - Fairway Independent Mortgage
- Top Performer Award - Capital One
- Spot Award - Capital One
- Quality Assurance Award - GMAC Mortgage
Timeline
PURCHASE CLEARING SPECIALIST
Supreme Lending
07.2023 - 01.2026
BARTENDER
Omni Hotel
04.2022 - Current
PURCHASE CLEARING SPECIALIST / QUALITY ASSURANCE AUDITOR
Fairway Independent Mortgage Corporation
04.2016 - 08.2022
LOSS MITIGATION UNDERWRITER
Capital One
02.2014 - 02.2016
COMMUNITY OUTREACH SPECIALIST
GMAC Mortgage LLC
08.2008 - 09.2013
Bachelor of Technology - Psychology
University of Phoenix
Additional Coursework - Business Management
Milwaukee Area Technical College
Additional Coursework -
University of Wisconsin - School of Education