Summary
Overview
Work History
Education
Skills
Timeline

Rosemary L. Gibson

Phoenix,Az

Summary

Dedicated professional prepared to bring extensive expertise and results-oriented approach to Specialist role. Known for effectively managing tasks and supporting organizational goals through collaborative efforts and adaptive strategies. Recognized for excellent communication and analytical skills, ensuring seamless operations and consistent outcomes.

Overview

9
9
years of professional experience

Work History

Quality Testing Analyst Sr (Internal Company Change)

Cenlar FSB
  • Test Controls to ensure the control fits company compliance, state and federal guidelines
  • Ensure Controls are being performed as written, track and submit the evidence to the appropriate leaders and system of record
  • Ensure Controls are being performed timely with less than 10% in errors
  • Assist with writing procedures for the Quality Testing process

Loss Analysis Specialist (Lateral Move)

Cenlar FSB
  • Reconcile loan advances once the Investor claim has been filed and paid.
  • Calculate total debt of the loan, breaking out each category of the Corporate Advances and Escrow Disbursements
  • Compare Advances to what was claimed and what was paid
  • Research the loan for gaps in processes when a claim did not pay interest to the proper date (Pandemic Holds, Natural Disaster Holds, Foreclosure Referral, ect)
  • Research items that are not paid to determine the reason behind the denial, create a Root Cause Analysis and charge to the department’s GL after approval.
  • Give detail descriptions for losses on the Loss Analysis Template and allocate losses within the company’s Loss Allocation Tracker
  • Close loan out by requested movement of funds, updating proper steps and closing out the appropriate work station(s)

Operational Oversight Analyst

Cenlar FSB
11.2020 - Current
  • Review policy and procedures to ensure that the processes for FNMA/Mortgage Insurance/USDA have risks and controls in place
  • Write procedures and submit for publishing within PolicyTech for publication
  • Helped create scorecard with specific dynamics for different areas within GSE/USDA/MI Claims
  • Performed Monthly Vendor Scorecard to ensure there were less than 5% in errors
  • Perform 10% review of grade sheets for GSE claims
  • Assist as needed

Default Resolution Analyst

Loancare LLC
09.2019 - 11.2020
  • Reviewed policy and procedures to ensure that a Control is in place for foreclosure processes. Updated procedures as processes changed
  • Worked with the Compliance Business Managers to solve open Management Action Plans items within a 30 day timeframe
  • Reached out to the line of business if a Control is incorrect or if there was a gap in the procedure. Collaborated to correct any errors within the allotted timeframes
  • Verified the Controls were being performed correctly. Assist Audit with evidence and question.

CIT (Centralized Invoice Team) Analyst

Ditech Financial
07.2018 - 09.2019
  • Company Overview: Tempe, Az
  • Use Loansphere to approve various types of invoices, ensuring guidelines were being followed by the submitter of an invoice upon approval
  • Determining the recoverability of an item being approved
  • Research items that were emailed for manual payment processing to determine eligibility of payment. Create spreadsheets for manual payment submissions. Assist with the posting of transactions in the system of record.
  • Reconcile check logs. Void/cancel checks when outdated. Request reissuing of checks.
  • Help create new processes and ensure guidelines were being followed. Train staff on new procedures
  • Research Tax and HOA submissions to determine if the item should have been paid as a Corporate Advance or be sent to the Escrow Department for payment
  • Tempe, Az

Rebuttal Analyst

JP Morgan Chase
05.2017 - 07.2018
  • Company Overview: Phoenix, Az
  • Quickly learned the FNMA Rebuttal Process to clear the receivables for Corp Adv. And lead the training
  • Oversaw the FHLMC Rebuttal Process and Reconciliation Projects
  • Bayview FHLMC Project. Collaborated with Management to develop process and procedures and train staff
  • Rebuttal and Closeout Reports for the Bayview FHLMC Project with $3.6 million being collected
  • Ongoing VPC Closeout Reports and monitoring of VPC Claims
  • Ran daily report of funds received from FNMA, verify amounts are correct, and apply to ledger for appropriate loans
  • Researched differences and account accordingly for short or excess payments
  • Phoenix, Az

Claims Analyst (Promoted)

JP Morgan Chase
12.2016 - 05.2017
  • Company Overview: Phoenix, Az
  • Collaborated with Management to develop the VPC Closeout Report process and procedures
  • Second look of the curtailment report for any opportunity that may have been missed
  • Collaborated with Management to develop the process and procedures for the FHLMC Recon Project. Trained staff and new contractors. Monitored the process along the way
  • Developed the training materials for FHLMC VPC and Rebuttal process.
  • Trained staff on the process
  • Phoenix, Az

Claims Analyst (Hired)

JP Morgan Chase
05.2016 - 12.2016
  • Company Overview: Phoenix, Az
  • FNMA Claims- Insurance Recon Project
  • Researched the FHLMC claim guidelines for curtailments and claims to create procedures
  • Researched the FNMA claim guidelines to create procedures
  • Review of files to seek opportunity for claims, review invoices and compare to items that were curtailed for opportunity, input claims for approval and payment, and request approvals (IPA and RPA) if needed
  • Phoenix, Az

Education

Trade Degree - Physical Therapy

Long Medical Institute
05.1997

Diploma - General Education

South Mountain High School
05.1992

Skills

  • Process Building
  • SME
  • Collaborator
  • Project Management
  • Leadership
  • Team Building
  • Quick Learner
  • Training of Staff

Timeline

Operational Oversight Analyst - Cenlar FSB
11.2020 - Current
Default Resolution Analyst - Loancare LLC
09.2019 - 11.2020
CIT (Centralized Invoice Team) Analyst - Ditech Financial
07.2018 - 09.2019
Rebuttal Analyst - JP Morgan Chase
05.2017 - 07.2018
Claims Analyst (Promoted) - JP Morgan Chase
12.2016 - 05.2017
Claims Analyst (Hired) - JP Morgan Chase
05.2016 - 12.2016
Quality Testing Analyst Sr (Internal Company Change) - Cenlar FSB
Loss Analysis Specialist (Lateral Move) - Cenlar FSB
South Mountain High School - Diploma, General Education
Long Medical Institute - Trade Degree, Physical Therapy

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Rosemary L. Gibson