Quonitra Beaty
Fort Worth,TX
Summary
Knowledgeable in mortgage/banking industry for 14 years with solid background in quality control underwriting. Demonstrated ability to assess and mitigate risks while ensuring compliance with industry standards. Proven track record in improving underwriting processes and fostering team collaboration.
Overview
13
13
years of professional experience
1
1
Certification
Work History
QC Pre-Funding and Post-Closing
Benchmark Mortgage
07.2022 - 09.2024
- Participated in regular audits, ensuring adherence to regulatory requirements and consistency across all loan files.
- Conducted comprehensive reviews of loan files, verifying compliance with company guidelines and federal regulations.
- Collaborated with loan officers to address discrepancies and ensure proper documentation for loan approvals.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Reviewed applicant documents such as tax returns, pay stubs, bank statements to verify their authenticity before processing them further.
- Reviewed Closing Disclosure Post closing to verify if closing cost and fees were correctly disclosed and refunded to the borrower if the fees improperly disclosed.
- Reviewed closing package to verify if all state related disclosures were correctly disclosed signed and dated correctly.
- Compared the Loan Estimates to the Change of Circumstances to ensure the borrower received the correct Closing Disclosure.
- Reviewed the Closing Disclosure to verify if the lender credits and discounted points were properly disclosed.
Senior Quality Control Analyst
Redfin Mortgage
02.2021 - 02.2022
- Streamlined the underwriting process for increased efficiency and reduced turnaround time.
- Identified areas for improvement in underwriting processes, resulting in a reduction of errors and improved decision making.
- Enhanced accuracy of underwriting decisions by implementing rigorous quality control measures.
- Conducted comprehensive reviews of loan files, verifying compliance with company guidelines and federal regulations.
- Perform a data integrity review for loans underwritten with DU or other automated underwriting systems.
Quality Assurance Underwriter
EECU
07.2019 - 02.2021
- Analyzing loan documents which include income, assets, credit, collateral, title, and other required documentation.
- Ensure loans submittals meet internal and external guidelines while staying within compliance.
- Examine loan file documentations to determine acceptability of borrower(s) credit history, adequacy of liquid assets, and financial capacity in relation to loan requests.
- Review preliminary title reports, purchase agreements, property inspection reports, appraisal reports, and related documentation for acceptability.
- Validate loan decisions based on approval/decline or incomplete.
Claims Adjuster Assistant
Renfroe
10.2018 - 04.2019
- Take initial loss report and provide claim personnel contact information.
- Knowing where to find answers to variety of insurance-related questions and helping the customer understand the next steps in the process.
- Work from established procedures, scripts, and job aids and handle multiple computer applications while helping customers on the phone.
- Ability to multi-task and adapt to changing environment.
Quality Control Auditor
Supreme Lending
06.2016 - 09.2017
- Auditing for data integrity and accuracy, including income, employment, assets, identity and occupancy.
- Identifying loans met investors, Supreme Lending and program guidelines as well as, regulatory compliance requirements.
- Reviewed TRID to ensure guidelines were met.
- If changes in the loan took place, reviewed the re-discloser documents to make sure all the changes took place within three days to ensure compliance were met.
- Observing the Loan Estimate document matched the disclosure.
- Ensuring Verification of Employment were within 10 days of the Note.
- Evaluate appraisals report and preliminary title to reinsure the property meets the company and investors requirements.
- Review credit reports and fraud manager reports.
- Performs reviews on early payment default loans that are 30 to 60 days delinquent.
Quality Control Underwriter
New Bold Advisors
02.2016 - 06.2016
- Perform quality control pre-funding reviews on select loan files.
- Review files for governmental/state audits.
- Work closely with Operations and Compliance in maintaining an efficient process to ensure timelines are met and issues are resolved.
- Prepare audit responses and monitor loans for resolution prior to funding.
- Review credit reports, appraisal reports, and neighborhood watch.
Quality Control Underwriter II
Wells Fargo Home Mortgage
01.2012 - 08.2015
- Participated in regular audits, ensuring adherence to regulatory requirements and consistency across all loan files.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Participated in regular audits, ensuring adherence to regulatory requirements and consistency across all loan files.
- Reviewed applicant documents such as tax returns, pay stubs, bank statements to verify their authenticity before processing them further.
- Conducted comprehensive reviews of loan files, verifying compliance with company guidelines and federal regulations.
Education
High School -
Green B. Trimble Tech High School
Fort Worth, TX05.1999
Skills
- Teamwork and Collaboration
- Problem-Solving
- Time Management
Certification
- Texas Adjuster License
- Oklahoma Adjuster License
- Louisiana Adjuster License
- Florida Adjuster License
- State Farm Auto Certification
- Xactimate Certificate via Pilot
Timeline
QC Pre-Funding and Post-Closing
Benchmark Mortgage
07.2022 - 09.2024
Senior Quality Control Analyst
Redfin Mortgage
02.2021 - 02.2022
Quality Assurance Underwriter
EECU
07.2019 - 02.2021
Claims Adjuster Assistant
Renfroe
10.2018 - 04.2019
Quality Control Auditor
Supreme Lending
06.2016 - 09.2017
Quality Control Underwriter
New Bold Advisors
02.2016 - 06.2016
Quality Control Underwriter II
Wells Fargo Home Mortgage
01.2012 - 08.2015
High School -
Green B. Trimble Tech High School
Similar Profiles
Paula KwendePaula Kwende
Loan Processor (Remote) at Benchmark MortgageLoan Processor (Remote) at Benchmark Mortgage
Ashley BaumbuschAshley Baumbusch
Mortgage Loan Processor ( Builder Division) at Benchmark MortgageMortgage Loan Processor ( Builder Division) at Benchmark Mortgage
Cesar BerumenCesar Berumen
Vice President of Internal Audit at Benchmark MortgageVice President of Internal Audit at Benchmark Mortgage