Summary
Overview
Work History
Skills
Timeline
Education
Additional Information
Generic

SANDRA TURNER

Commercial Point,OH

Summary

Seasoned auditing professional knowledgeable about risk aversion strategies, cost reduction options and financial processes. Decisive and persuasive communicator with proven problem-solving, leadership and planning abilities. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

18
18
years of professional experience

Work History

Mortgage Quality Control Compliance Analyst

Huntington National Bank
05.2015 - 06.2019
  • Prepared Monthly audit error reports and supporting documentation for audit findings.
  • Perform 8 to 10 detailed residential underwriting and compliance analysis on loans in-process and post-closing deficiencies and determine each loan's marketability.
  • Identifies areas requiring targeted review, and recommends training for errors, deficiencies, omission, and fraud reports. Consult the quality control coordinator for a course of corrective action.
  • Research regulatory compliance issues, explanation of regulations, analyze data, and assist in control reporting.
  • Attend meetings with all lines of business peers, and manager on error findings, discusses training procedures and recommendations.
  • Aggregates and review HMDA data, mapping for all investors for HUD, FNMA, FHLMC, USDA, FHLB, FHA, and VA to current quality control testing procedures.
  • Perform detailed quality reviews on Loan Origination, processing, underwriter, and closing defined by government and business partner's service levels.
  • Condo approval team, review condo documentation for approval, review with condo financial reports.
  • Backup consumer loan underwriter for credit cards, and personal loans. Review credit reports, and finances for approval or denials.
  • Conducted technical and analytical reviews of tax returns to check for accuracy and qualified deductions.
  • Participated in team projects, demonstrating an ability to work collaboratively and effectively

Mortgage Fulfillment Manager

Fifth Third Bank
01.2013 - 09.2013
  • Trained 12 new staff members on job duties, company policies, and safety procedures for rapid onboarding.
  • Analyzed business processes to identify cost savings and operational efficiencies.
  • Developed a comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Maintained accurate records of loan processing activities and documents in the CRM system.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process.
  • Performed banking, business administration, and financial tasks to guarantee five-star service for clients.
  • Collaborated with C-level executives and stakeholders to develop long-term financial plans.
  • Reviewed historical records, current operational data, and forecasting information to identify and capitalize on system enhancement opportunities. Meeting closing processing team goals for over 100 loans monthly.

AVP Mortgage Quality Assurance Manager

JPMorgan Chase
09.2011 - 01.2013
  • Performed root cause analysis to identify and resolve quality issues and defects for 300-plus loans per month.
  • Created and maintained quality management systems to align with government standards. Aggregates and review HMDA data, mapping for all investors for HUD, FNMA, FHLMC, USDA, FHLB, and VA to current quality control testing procedures.
  • Developed and implemented comprehensive quality assurance plans to monitor product quality and adherence to regulatory standards.
  • Collaborated with cross-functional teams to develop and implement process and system improvements.
  • Implement monitoring protocol, including Key risk indicators (KRIs, KPIs), testing methodologies, and sampling procedure.
  • Perform daily compliance analysis data in the production of scheduled monthly findings meeting with all lines of business, and discusses procedures for training to improve errors, deficiencies, omissions, and fraud.
  • Trained and guided team members to maintain high productivity and performance metrics.
  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
  • Perform compliance with 300 loans reviewed adherence to Flood Insurance, HDMA, OFAC, OCC, CIP, TILA, RESPA, TRID, MLA, FCRA, Reg B, Reg Z.
  • The team performs target mortgage underwriting samples in search of deficiencies in Loan setup, processing, underwriting, closing, and servicing.
  • Research regulatory compliance issues, a detailed explanation of regulation affects mortgage origination through servicing.

Mortgage Default Compliance Officer

Radian
02.2009 - 08.2011
  • Identified, investigated, and documented compliance violations and recommended corrective measures for monthly 100 loans submitted for review.
  • Responded to employee inquiries regarding compliance regulations and procedures. Aggregates and review HMDA data, mapping for all investors for HUD, FNMA, FHLMC, USDA, FHLB, VA, and Conventional loans.
  • Developed and maintained an compliance database, tracking all compliance activities and documents.
  • Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
  • Assessed clients' financial data to determine loan suitability.
  • Analyzed credit, income, compliance, title documents, and appraisals during the underwriting process.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
  • Assisted with short sales and deed-in-lieu processes.

Senior Mortgage Loan Processor

JPMorgan Chase
04.2007 - 02.2009
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Prepared 30 files for final clear-to-close by branch management.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Processed mortgage loan applications accurately and successfully for over 20 years.
  • Maintained accurate records of loan processing activities and documents in the CRM system.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files, and tax histories.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.

Senior Account Manager 3

Option One Mortgage
03.2001 - 05.2007
  • Reviewed 15 loan files daily for completeness, identified missing documentation, and generated condition lists for applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information. Maintain a pipeline of 80 to 100 loans monthly.
  • Handled any conditions sent from underwriting departments.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Provided quick turnaround times to maintain a fast-paced schedule.
  • Evaluated approvals against established bank and government lending standards.
  • Utilized loan origination software to process and track loan applications.
  • Advised loan officers to comply with loan guidelines and apply best practices.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.

Skills

  • Certified Mortgage Regulatory Compliance
  • Legal Compliance
  • Sampling Protocols and Procedures
  • Reporting and Analysis
  • New Testing Methodologies
  • Mortgage and Consumer Underwriting
  • Training Implementation
  • Residential and Consumer Lending Regulations
  • Mortgage Loan Closing and Processing
  • Critical Thinking
  • Loan Default and Servicing Audit
  • Mortgage Servicing

Timeline

Mortgage Quality Control Compliance Analyst

Huntington National Bank
05.2015 - 06.2019

Mortgage Fulfillment Manager

Fifth Third Bank
01.2013 - 09.2013

AVP Mortgage Quality Assurance Manager

JPMorgan Chase
09.2011 - 01.2013

Mortgage Default Compliance Officer

Radian
02.2009 - 08.2011

Senior Mortgage Loan Processor

JPMorgan Chase
04.2007 - 02.2009

Senior Account Manager 3

Option One Mortgage
03.2001 - 05.2007

No Degree - Business Administration And Management

American InterContinental University

Associate of Arts - Business Administration

Bliss Business/Urbana University

Education

No Degree - Business Administration And Management

American InterContinental University
Schaumburg, IL
2007

Associate of Arts - Business Administration

Bliss Business/Urbana University
Columbus, OH
1986

Additional Information

Compliance training: CFPB, OCC, TRID, RESPA, TILA, HDMA, SCRA, FCRA, ECOA, REG B, REG Z

Programs: MS EXCEL, POWERPOINT,WORD, ACCESS, SHARE POINT, VISIO,TENA(SECOND LOOK), DU, LP, AUS, LOS, MSP,BLITZ DOC, ENCOMPASS, OUTLOOK

Certification: Mortgage Regulatory Compliance (CMRC)

SANDRA TURNER