Nanci Perez
QM Auditor
Irving,TX
Summary
Talented QM Auditor with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
10
10
years of professional experience
Work History
QA QC Senior Specialist
CITIZENS BANK
06.2015 - Current
- The QM Auditor is responsible for reviewing closed loans delivered for purchase to the Citizens Bank Correspondent Lending Division
- The review consists of determining loan eligibility and compliance to Qualified Mortgage (QM) and Ability to Repay (ATR) guidelines
- Review minimum quota of loans per day accurately and according to the QM audit policies and procedures
- Suspend and clear conditions on a loan-by-loan basis
- Communicate with correspondent lenders to resolve loan level suspensions
- Facilitate communication on QM related issues between QM Manager, RLPM, LPS, and the correspondent lender
- Participate in regular team meetings regarding trends, training, and updates to policies and procedures.
Loan Purchase Specialist
CITIZENS BANK
- Reviewed loans for compliance to, FHA, VA, and USDA guidelines; utilized company systems (LOS, OnBase, FHA Connection) and determined purchase eligibility while meeting production and quality standards
- Distributed suspense notifications to Lenders and facilitated the clearing of conditions by multiple loan review teams
- Communicated with Lenders to answer questions, explain guidelines, and resolve loan level suspensions
- Managed pipeline by working with Lenders on in-progress loans; ensured guidelines and turn times were met
- Participated in regular team meetings regarding trends, training, and updates to policies and procedures; provided accurate weekly suspense reports to Management
- Acted as the primary liaison between the Correspondent Lender and Citizens Bank teams, reviewed / placed conditions on loans and other internal departments by relaying information through appropriate channels and providing feedback
Asset Transfer Analyst
TD AMERITRADE
08.2013 - 04.2015
- Processed the transfer of assets into and out of brokerage accounts, working with TD Ameritrade advisers and various third parties, to create solutions tailored to customer needs
- Provided customer service via phone and e-mail; responded to inquiries from advisers and others regarding transfer status and ensured prompt service was administered throughout the department
- Reconciled and resolved assigned discrepancies in clients' account balances due to incorrect or incomplete asset transfers; assisted internal Service Center team with answering questions and investigating unresolved issues
Education
Master of Business Administration -
University of Dallas
2016
Bachelor of Business Administration - Finance
Texas Wesleyan University
2013
Skills
- Contacting Borrowers
- Client Relationships
- Real Estate Lending Processes
- Credit Extensions
Timeline
QA QC Senior Specialist
CITIZENS BANK
06.2015 - Current
Asset Transfer Analyst
TD AMERITRADE
08.2013 - 04.2015
Loan Purchase Specialist
CITIZENS BANK
Master of Business Administration -
University of Dallas
Bachelor of Business Administration - Finance
Texas Wesleyan University
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