Renea Lee
Garland
Summary
Dynamic compliance leader with extensive experience at Everett Financial, Inc., adept at managing licensing teams and ensuring regulatory adherence. Proven ability to analyze complex compliance issues and implement effective solutions. Skilled in NMLS systems and known for attention to detail and self-motivation, driving operational excellence in fast-paced environments.
Overview
40
40
years of professional experience
Work History
Sr. Compliance and Licensing Manager
Everett Financial, Inc.
2021.09 - Current
- Manage team of licensing analysts who are responsible for all NMLS filings at Corporate, Branch, and Individual Level
- Responsible for preparing, analyzing, and submission of NMLS MCR
- Manage Compliance Support Inbox assisting with compliance review warnings/alerts/fails to determine issue and render solution
- Oversee RegB Support Inbox to ensure disposition is rendered timely to meet ECOA requirements
VP Regulatory Relations-Exams / BSA AML Officer
Sterns Lending, LLC
2018.09 - 2021.09
- Responsible for state regulatory and federal agency exams for Stearns Lending plus all JVs/Preferred Partners
- Work with state/agency examiner to provide exam documentation/information
- Validate and analyze Report of Examination to determine if findings need a change in process/procedures and/or additional training to avoid repeat findings in future exams
- Manage a team of exam specialists
- Manage the investor application and recertification process for all entities
- Work with internal auditor (third-party vendor) by providing information and documentation required for audit
- Review loan files submitted by Fraud Dept. to confirm findings and determine if SAR filing is required
VP Compliance and Licensing
Certainty Home Loans, LLC F/k/a WR Starkey Mortgage, LLP
2004.06 - 2018.09
- Responsible for all NMLS licensing activity at the corporate, branch, and individual level. Address deficiencies placed against all licenses; process and submit all licensing renewal requests
- Control and Manage license information in LOS (Loan Origination System) at the corporate, branch, and individual level upon license approval
- Responsible for data integrity and filing of quarterly NMLS MCR
- Prepare, analyze, and submit quarterly North Carolina MARS (Mortgage Automated Review System) report
- State Audits - work with examiner as the POC (point of contact) to provide information and documentation required for audit scope
- Review marketing material to ensure adherence to regulatory requirements both federal and state in addition to internal policies and procedures
- Analyze HMDA/loan level data attributes to confirm compliance with regulatory initiatives. Prepare and submit HMDA report
- Monitor Compliance Inbox to offer guidance and resolutions on daily issues both pre and post closing
- Responsible for obtaining HUD IDs for all licensed branch locations and maintenance of information in LEAP system to ensure branch/branch manager information mirrors NMLS profiles
- Prepare annual HUD recertification in LEAP system for submission
- Conducted beta testing of systems for TRID compliance and mapped out operational processes
AVP Policy and Procesures
First Horizon Home Loans
1993.03 - 2004.06
- Review Trust Agreements; Power of Attorney Agreements, and Leasehold Contracts for compliance with investor guidelines
- Research agency and compliance regulations/guidelines in support of issuing policy and procedures to branch offices
- Supervise document team responsible for implementation of nationwide name change
- Worked with computer programmer in the development of an in-house closing document program
- Assist product development department with legal document requirements for loan programs
- Provide support and guidance for post closing department with shipping/insuring/default issues
Document Preparation / Escrow Officer
Riddle & Brown, Attorneys at Law
1986.06 - 1993.03
- Prepare loan closing documents
- Assist in funding closed loans with title companies
- Transferred to Foreclosure Title Conveyance department - responsible for conveyance of clear title on foreclosed property to FHA and VA
- Escrow Officer for Fee Attorney department
Education
High School Diploma -
North Mesquite High School
Mesquite, TXSkills
- MBA Certified Mortgage Compliance Professional-Level 1
- Full knowledge of NMLS license system
- Skilled in computer generation of documents and how data maps from LOS to documents
- Ability to analyze problems and introduce change in policy/procedures with minimal disruption
- Detailed oriented; self-motivator; conscious of work output
Timeline
Sr. Compliance and Licensing Manager
Everett Financial, Inc.
2021.09 - Current
VP Regulatory Relations-Exams / BSA AML Officer
Sterns Lending, LLC
2018.09 - 2021.09
VP Compliance and Licensing
Certainty Home Loans, LLC F/k/a WR Starkey Mortgage, LLP
2004.06 - 2018.09
AVP Policy and Procesures
First Horizon Home Loans
1993.03 - 2004.06
Document Preparation / Escrow Officer
Riddle & Brown, Attorneys at Law
1986.06 - 1993.03
High School Diploma -
North Mesquite High School