Summary
Overview
Work History
Education
Skills
Websites
Timeline
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Paul Taylor

Cedar Hill,TX

Summary

All-around business professional with over 20 years of experience in the mortgage and banking industry.. Have a proven record of being able to adapt in a industry that changes very often. Have been a top producer in every capacity by being able to learn fast and also able to train and manage others. Able to build and maintain strong business relationships. Have been known to be a self-starter and flexible team player. Resourceful AVP with notable experience in overseeing operations, implementing strategic plans and managing team performance. Possess strong leadership skills, ability to foster productive relationships, and drive business growth. Made significant positive impact by reducing costs and increasing efficiencies in previous roles. Skilled in risk management, budgeting and regulatory compliance, offering solid foundation for success in similar role.

Overview

16
16
years of professional experience

Work History

AVP- Mortgage Origination Assessment

SitusAMC
10.2024 - Current
  • This role involves the review of a Lender's remediation following a review of origination processes on Conventional loans on behalf of our client.
  • The reviewer will assess remediation related to findings cited by our client during the assessment of the Lender's origination channels, underwriting and appraisal processes, quality control programs, secondary marketing, and loan closing (post-close and pre-funding).
  • A review of the Lender's remediation of issues uncovered during the assessment will be completed using materials and responses provided by Lenders, including written remediation explanations and plans.
  • Overseeing a team of auditors performing this function to provide quality control, assist in key audit functions, provide support to the leadership team in the overall management of the resources and correspond with the client to discuss performance, production, and quality.

QA/QC Auditor/Compliance Analyst

UFCU
Austin, United States
04.2022 - 10.2024
  • Implement pre-funding Quality Control requirements as directed by Fannie Mae, including: Re-underwriting at least 10% of the loan file prior to closing to reconfirm AUS findings.
  • Verifying that asset and liability consideration were documented properly, and conducting data comparison of documents and Encompass.
  • Working closely with QC Administrator to ensure timely review of Quality Control findings, including coordinating with staff to ensure findings are reviewed and resolved in a timely manner.
  • Work with Midwest Loan Services, UFCU's sub-servicer, to ensure that ongoing Servicing QC reviews are performed in compliance with HUD and Agency requirements. Report and address findings through Compliance/QC Manager.
  • Prepare post-closing documents and oversee quality control functions performed by third party vendors, including: uploading loan data through secure vendor websites, managing vendor requests, assigning and following up on exceptions with staff, clearing findings and tracking final report release, and reviewing denied/cancelled loan applications to ensure ECOA and HMDA compliance.
  • Work with QC Administrator to conduct monthly review of declined loans, report findings and trends to management, and make recommendations as needed.

Sr. Mortgage Quality Control Analyst

Redfin
Frisco, United States
08.2020 - 04.2022
  • Review loan files prior to close to ensure the loan will be salable.
  • Identify system issues, defects, and misrepresentation.
  • Detect gaps in processes and/or procedures.
  • Assist in New Hire Training.
  • Provide real-time feedback to the line of business to improve quality.
  • Review files that are sent from line of business or upper management for possible fraud identification.

Sr. QA Forensic Auditor/Fraud Prevention and Investigation

Stearns Lending (NMLS #1854)
Lewisville, Texas
12.2017 - 07.2020
  • Responsible for QA reviews conducted on a sample of loans, after loan underwriting approval, but before loan closing, funding or purchase.
  • Pre-Funding reviews and promote compliance with program guidelines, identify training opportunities, provide opportunities to correct errors before funding.
  • Limit loan sales expenses and losses and enhance investor relationships.
  • Review loans to prevent the closing of mortgage loans with material defects (e.g., misrepresentation, inaccurate data, or inadequate documentation).
  • Independently investigate known or suspected internal and external financial frauds.
  • Deliver comprehensive investigation reports providing recommendations to mitigate company losses.
  • Monitor customer activity to comply with the companies BSA/AML program.
  • Prioritize time sensitive cases.
  • Utilize industry fraud and research tools in case analytics.

Sr. Pre-Fund Quality Assurance Auditor

Supreme Lending
07.2014 - 12.2017
  • Primarily responsible for conducting quality control reviews of mortgage loan files to ensure that loan applications have been processed, disclosed, underwritten and closed in compliance with applicable regulations and underwriting criteria.
  • Perform audit reviews on mortgage loan files based on random pulls.
  • Testing is done to determine if proper disclosures have been issued to Applicants and that quoted terms, including interest rates and annual percentage rates have been calculated correctly.
  • Key Achievements: Responsible for reviewing Conventional, FHA, VA, USDA and other special loan programs that have been underwritten by our Underwriting department.
  • After having a proven track record of completing the Pre-Closing QA tasks, was also asked to assist Post Closing QC department in completing their file reviews.

Compliance Analyst

Boston Portfolio Advisors, Inc.
01.2014 - 07.2014
  • Oversee Compliance Review and assess company operations for loans processing.
  • Monitor adequacy of staffing levels, delinquent loans, loans in imminent risk of default, and loans in foreclosure.
  • Review robustness of established policies governing loss mitigation programs and perform independent review of loan modifications.
  • Monitor accuracy of borrower's account information.
  • Ensure compliance with state and federal laws; make recommendations for process improvements as needed.

Recovery Specialist

Vantium Capital Inc
08.2013 - 01.2014
  • Develop proficiency with all metrics of collections utilizing dialer and debt software to ensure maximum efficiency, production, and accuracy of work performed.
  • Manage time wisely with dialer and manual calling requirements.
  • Maintain working knowledge of investor requirements and ensure those requirements are met.
  • Manage and maintain data integrity in the debt recovery collection software.
  • Position Parameters: a. Decision-making responsibilities: Responsible for negotiating with past due customers taking into consideration their financial situation, exhausting all efforts to collect through all potential sources of revenue in order to satisfy their past due loan to ultimately offer the best solution to resolve the delinquency problem in a way that is most beneficial to the company, the clients, and the customers.
  • Problem solving responsibility: Able to resolve conflict with customers who refuse to pay, have complaints with their financial situation, or prior service.

Quality Assurance Analyst (SME)

Newbold Advisors
11.2012 - 08.2013
  • Review and process loan documents for loan modifications according to DOJ guidelines.
  • Provide quality review of loan modification processor's work.
  • Provide written feedback to processors on audit findings.
  • Responsible for documenting actions in bank systems and SharePoint.
  • Worked with management team to write policies and procedures.
  • Communicates effectively with different client departments.
  • Assigned work to each rep on the team daily based on attendance and productivity.
  • Reviewed the work of a team of 12 ensuring quality before submitting to Closing Dept.
  • Reviewed loan to verify if it qualified for a Mod, Deed in Lieu, Short Sale, Repayment Plan or any type of workout.

QA Underwriter/Related Case Management Analyst (SME)

Newbold Advisors
09.2011 - 11.2012
  • Reviewed loan files and assisted borrowers that had been escalated to the executive office of Chase via OCC, Treasury, and other Advocacy Groups.
  • Researched and reviewed executive office complaints to provide a resolution for the request of a loan modification, short sale assistance, deed in lieu or foreclosure.
  • Supervised a team of underwriters in an effort to maintain quality reviews and reach daily production goals.
  • Special Projects and other duties as assigned.
  • Individually selected to be part of a special project for the client involving Case Closure review, analysis, and resolution/final letter writing to the borrower.
  • Responsibilities included reviewing the complaint case being submitted for closure has been addressed.
  • Compliance review and analysis to assure the final letter will meet agency/regulatory requirements.
  • Additionally, review that all appropriate research and steps have been taken to provide a resolution for the borrower and is outlined in the final letter.
  • This project required complex analysis, through understanding of all loan modification options and exceptional written communication skills.

Evictions Coordinator/Processor

Prommis Solutions, LLC
03.2009 - 07.2011
  • Responsible for assuring all referrals are downloaded from clients and forwarded to co-counsel.
  • Ensure co-counsels complete the eviction process within timelines provided and update Equator.
  • Schedule and coordinate with broker to offer Cash for Keys.
  • Request occupancy checks from Agent/Broker.
  • Schedule and coordinate Lockouts.
  • Ensure the eviction attorneys timeline performance is on task.
  • Assist in resolving litigated eviction matters, communicating with real estate brokers, securing vendors, attorneys, asset managers and local authorities.
  • Correspond with outsourcing department.

Education

Some College (No Degree) - Business Management

Long Beach City College
Long Beach, CA

Some College (No Degree) - Computer Networking

Westwood College of Technology
Anaheim, CA

Skills

  • Coaching
  • Quality assurance
  • Data analysis
  • Risk assessment
  • Action plan
  • Presentations
  • Process improvement
  • Documentation review
  • Vendor management
  • Audit management
  • Staff management
  • Risk management
  • Employee motivation
  • Scheduling
  • Delegating work
  • Staff training/development
  • Effective communication

Timeline

AVP- Mortgage Origination Assessment

SitusAMC
10.2024 - Current

QA/QC Auditor/Compliance Analyst

UFCU
04.2022 - 10.2024

Sr. Mortgage Quality Control Analyst

Redfin
08.2020 - 04.2022

Sr. QA Forensic Auditor/Fraud Prevention and Investigation

Stearns Lending (NMLS #1854)
12.2017 - 07.2020

Sr. Pre-Fund Quality Assurance Auditor

Supreme Lending
07.2014 - 12.2017

Compliance Analyst

Boston Portfolio Advisors, Inc.
01.2014 - 07.2014

Recovery Specialist

Vantium Capital Inc
08.2013 - 01.2014

Quality Assurance Analyst (SME)

Newbold Advisors
11.2012 - 08.2013

QA Underwriter/Related Case Management Analyst (SME)

Newbold Advisors
09.2011 - 11.2012

Evictions Coordinator/Processor

Prommis Solutions, LLC
03.2009 - 07.2011

Some College (No Degree) - Business Management

Long Beach City College

Some College (No Degree) - Computer Networking

Westwood College of Technology

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