Naomi McKinney
Summary
Experienced financial business consultant with Twenty years plus in the banking-lending industry with specific focus and interaction with customer and lender. Proficient in information gathering, report preparation and data compilation capabilities. Well versed in analyzing customer credit and collateral for acceptable risk. Efficient in communicating with lender (verbally and written) as it relates to assessing risk and transaction monitoring. Effectively communicate with all teams member from lower to higher management. Teamwork.
Overview
10
10
years of professional experience
Work History
QC Credit/Compliance Auditor
Baker Tilly US
Charlotte, NC
05.2022 - 04.2024
- Audit post closing loan evaluating borrower's capacity to repay the loan based on debt-to-income ratio calculations, collateral review and assets in accordance to investor FNMA, FHLMC, VA, FHA and USDA requirement.
- Audit pertinent loan information, inaccuracies, red flags and possible misrepresentation as it relates to underwriting and compliance.
- Audit post closing loan testing for compliance utilizing in-house compliance analyzer, ComplianceEase or Mavent for alerts and/or fails.
- Analyze mortgage compliance analysis report risk indicator for TILA/TRID, RESPA , State & Local Predatory, State Regs, Exceptions, Policies/Custom via ComplianceEase for any alerts and fails.
- Analyze and review loan estimate (LE) and closing disclosure (CD) for allowable permissible borrower paid, seller paid and paid by other fees.
- Collaborated with internal departments such as Risk Management, Compliance., when needed.
- Complete a summary on finding/defect that have risks or salability issues associated with each specific investor.
Auditor Credit/Compliance Analyst
MIAC Analytics
New York, NY
05.2020 - 04.2023
Regsr testing.
Analyze mortgage compliance analysis report risk indicator for TILA/TRID, RESPA , State & Local Predatory, State Regs, Exceptions, Policies/Custom via ComplianceEase for any alerts and fails.
Analyze mortgage compliance analysis report risk indicator fMavent/QM TILA/RESPA, High Cost, Higher Prices, States Rules, License, NMLS, Enterprise Rule, HMDA, Other via Mavent for any alerts and fails.
Collected and reviewed data to identify potential compliance issues requiring further review.
MaventRegs
Auditor/Contract
NMC-SE
Fernandina Beach, FL
01.2018 - 04.2020
- Conducted risk assessment analysis of the organization's operations, systems, and procedures.
- Reviewed internal controls to ensure compliance with applicable laws and regulations.
- Documented findings from reviews conducted in accordance with accepted auditing standards.
- Investigated customer application, income, assets and collateral to detect any suspicious documents that may indicate fraud or abuse.
- Communicated with customer to assess reasons for default, individual intents, and options for resolving issues.
- Worked with mortgagors, attorney, and realtor’s and authorized parties for the best workout options that include Loan Modification, Short Payoffs, and Deed in Lieu prepared reinstatement quotes, payoff s and BPOs.
- Utilized modification calculator in determining the most beneficial workout options.
- Investigated and resolved compliance issues in response to final closing disclosure and billing issues from third party vendors.
- Collaborated with managers on key client issues with focus on implementing tax strategies to align with clients’ business objectives.
- Assign a loan grading pursuant to the severity and type of loan deficient with an emphasis on overall investor risk.
Compliance and Credit Auditor
TRELIANT
Fernandina Beach, FL
08.2016 - 11.2017
- Reviewed and monitored compliance with applicable laws, regulations, and policies to ensure compliance with regulatory requirements.
- Helped to investigate fraud and identify risks in collaboration with risk associated with property, assets, income and 3rd party documentation.
- Verified documentation against compliance standards and communicated deficiencies to resolve issues.
- Identified potential risks associated with borrower's application and recommended appropriate mitigation strategies.
- Verified accuracy of borrower income, assets, debts, and credit report information.
- Analyzed appraisal reports for completeness, accuracy, and compliance with applicable regulations.
- Investigated discrepancies between automated decision systems and manual underwriting decisions.
- Maintained a high level of customer service when interacting with internal and external customers regarding loan status updates or inquiries.
- Performed post-closing reviews on closed loan packages as needed.
- Inspected financial statements, credit information and title data to complete underwriting process.
QC Auditor -Compliance/Senior Mortgage Underwriter
Mark Shaw Associates
Orlando, FL
09.2015 - 07.2016
- Perform due diligence review on performing and non-performing loans for compliance to include re-evaluating credit, income, assets, and collateral deficiencies as it relates to FNMA/FHLMC and FHA/VA and USDA requirement.
- Analyzed customer data to ensure accuracy in the system and compliance with regulations.
- Performed detailed loan servicing activities, including payment processing and reconciliation of loans.
- Coordinated with other departments to ensure all documentation was complete and accurate prior to closing loans.
- Perform manual audit of loan files including reviewing servicers policies and procedure to ensure compliance with State, Federal and Investor requirement as it relates to deficiencies surrounding loss mitigation, impermissible fee, and compliance deficiencies.
- Reviewed and analyzed legal documents such as servicing contracts with third party vendors.
- Negotiated settlements on behalf of the OCC for customer harm when appropriate.
- Specialized in mortgage and servicing transactions and litigation for the OCC project.
- Draft reports detailing significant findings including assessing a monetary value as it relates in HARM to service member and customer.
QC Forensic Underwriter/Contract
ICS
Jacksonville, FL
02.2015 - 08.2015
- Knowledge in the loan servicing industry for servicing loans originated under programs from Fannie Mae, Freddie Mac, VA, FHA, HUD, SBA, and FSA.
- Perform quality control review on 4 servicing companies re-evaluating credit, income, assets, and collateral deficiencies as it relates to FNMA/FHLMC, FHA/VA and HUD.
- Perform quality control review on 4 servicing companies re-evaluating compliance deficiencies as it relates to GFE, TIL, HUD, RESPA, and the Flood guideline.
- Perform quality control review on 4 servicing companies re-evaluating compliance deficiencies as it relates to SCRA, FCRA, HMDA policies and regulatory requirement.
- Upon completion of review, rewrote and reported the deficiencies to client via (Team Connect) including assigning a loan grade pursuant to the severity of the deficiency.
Credit Analysis/Compliance Underwriter
Clayton Holdings LLC
Atlanta, GA
06.2014 - 01.2015
- Perform due diligence review on performing and non-performing loans for compliance relating to re-evaluating credit, income, assets, and collateral deficiencies as it relates to FNMA/FHLMC FHA/VA lender/investor guideline.
- Perform due diligence review on performing loan for compliance relating to the GFE, TIL, HUD-1, HOEPA, and RESPA Reviewed customer profiles, credit reports, and financial statements to assess risk factors.
- Conducted detailed investigations into customers' backgrounds surrounding employment history and other relevant information.
- Resolved any issues that may arise during the underwriting process.
- Participated in regular meetings with senior leadership teams to discuss current market trends.
- Evaluated existing policies and procedures related to the underwriting process and make necessary revisions.
- Perform TRID review (LE and CD) for compliance.
Education
Certificate in Real Estate
Recurring Government Compliance Certificate
Skills
- Business Skills: Business planning, industry knowledge, strategic thinking, leadership, analytical, research
- Planning & Organizing Skills: Prioritization, goal setting, attention to detail, decision making, project organizer
- Reliability Skills: Communication,problem solving, teamwork, collaboration
- Communication Skills: Active listener, sharing feedback, empathy, respect, negotiation and responsiveness
- Software Tool & Skills: Advanced MS office, ACES, Encompass, Lexus Nexus, PACER, MAVENT, Data VeriFi, V-Lookup, C-EASE, MERS, SQL, Blooma, Accurint, AUS, Pacer
References
References available upon request.
Timeline
QC Credit/Compliance Auditor
Baker Tilly US
05.2022 - 04.2024
Auditor Credit/Compliance Analyst
MIAC Analytics
05.2020 - 04.2023
Auditor/Contract
NMC-SE
01.2018 - 04.2020
Compliance and Credit Auditor
TRELIANT
08.2016 - 11.2017
QC Auditor -Compliance/Senior Mortgage Underwriter
Mark Shaw Associates
09.2015 - 07.2016
QC Forensic Underwriter/Contract
ICS
02.2015 - 08.2015
Credit Analysis/Compliance Underwriter
Clayton Holdings LLC
06.2014 - 01.2015
Certificate in Real Estate
Recurring Government Compliance Certificate
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Nishu ChaudharyNishu Chaudhary
<ul> <li>Led a team of three in the credit risk function for borrowers in North India.</li> <li>Managed complete documentation process for corporate loans, ensuring accuracy and regulatory compliance.</li> <li>Reviewed legal documents to verify compliance with internal policies and regulations.</li> <li>Collaborated with legal counsel and relationship teams to close transactions promptly.</li> <li>Resolved loan document discrepancies within policy framework, minimizing risks and delays.</li> <li>Improved loan documentation processes, achieving a 99% accuracy rate.</li> <li>Partnered with product and governance teams to refine banking products based on customer needs.</li> <li>Directed relationship management efforts to enhance stakeholder engagement and process improvements.</li> </ul> at Standard Chartered Bank<ul> <li>Led a team of three in the credit risk function for borrowers in North India.</li> <li>Managed complete documentation process for corporate loans, ensuring accuracy and regulatory compliance.</li> <li>Reviewed legal documents to verify compliance with internal policies and regulations.</li> <li>Collaborated with legal counsel and relationship teams to close transactions promptly.</li> <li>Resolved loan document discrepancies within policy framework, minimizing risks and delays.</li> <li>Improved loan documentation processes, achieving a 99% accuracy rate.</li> <li>Partnered with product and governance teams to refine banking products based on customer needs.</li> <li>Directed relationship management efforts to enhance stakeholder engagement and process improvements.</li> </ul> at Standard Chartered Bank