Hi, I’m
Renee Fougere
Dunedin,FL
Summary
Knowledge and experience with consumer banking, mortgages, and compliance while simultaneously leveraging leadership skills to implement innovative tactics in an atmosphere promoting professional growth.
Overview
10
years of professional experience
Work History
GC Services
Compliance Analyst
05.2021 - 10.2021
Job overview
- Organized specified data from various sources, which included CRM reports, leads, and budgetary reports
- Collected data for trends and outliers present to production, earnings/profits, and other specified parameters
- Created daily, monthly, quarterly, and annual reports of data and analytical findings
- Performed internal quality audits with detailed reports of findings ensuring company activities, policies, and documentation were compliant within federal regulations
- Identified potential risks by effectively monitoring root cause analysis while providing preventative action.
Synovus Mortgage Corporation
Mortgage Loan Assistant
04.2016 - 04.2017
Job overview
- Prepared all essential documentation for mortgage loan files from processing to closing for three top loan officers
- Analyzed conditions for approval from underwriting and requested specific documentation needed from borrowers
- Timely processing of files and documentation in accordance with federal guidelines including insurance, taxes, income/asset calculations, and principal/interest calculations
- Provided strategic critical thinking skills when challenges were presented during processing or closing of loans
- Proficient with marketing platforms keeping potential buyers and partners informed and up to date on new policies and ways to make the home buying experience seamless.
PennyMac Loan Services
Correspondent Quality Specialist
08.2015 - 04.2016
Job overview
- Analyzed documentation for Conventional, Federal Housing Administration, Veterans Affairs, and U.S Department of Agriculture mortgage loans to purchase from multiple lenders
- Reviewed credit reports, financial statements, wage and tax information, legal documents, rate lock, servicing disclosure, construction documents, flood certificate, home mortgage disclosures, and other pertinent documentation
- Defined policies and procedures to cost-effectively assess salability and serviceability of loan files
Grow Financial Federal Credit Union
Consumer Loan Officer
02.2012 - 07.2015
Job overview
- Analyzed applicants’ financial status, credit reports, debt to income ratios, and values of vehicles to determine highest dollar amount with max loan to value to grant loans and offer back-end products on top of max loan to value
- Enhanced customer relationships by cross-selling products such as bill pay, checking, savings, money market accounts, certificate of deposits, and individual retirement accounts
- Strong ability to cross-sell ancillary products consisting of credit life, credit disability insurance, guaranteed asset protection insurance, and extended warranties while meeting individual and company-wide goals
- Exceeded goals by generating referrals for new business by interacting with current customers and working directly with franchise and non-franchise auto dealerships to produce sales for both the credit union and dealerships
- Built rapport and kept lines of communication open between underwriters and management to have high approval amounts, loan to value, and terms granted
Education
St. Petersburg CollegeClearwater, FL
from Computer Programming
05.2021
Skills
- Consumer & Mortgage Lending
- Portfolio Management
- Innovation Development
- Underwriting
- Credit Analysis
- Risk Management
- Data Presentation Skills
- Complex Problem-Solving
- Social Perceptiveness
- Web Development, HTML5, CSS
- Python
- SQL
Timeline
Compliance Analyst
GC Services
05.2021 - 10.2021
Mortgage Loan Assistant
Synovus Mortgage Corporation
04.2016 - 04.2017
Correspondent Quality Specialist
PennyMac Loan Services
08.2015 - 04.2016
Consumer Loan Officer
Grow Financial Federal Credit Union
02.2012 - 07.2015
St. Petersburg College
from Computer Programming