Sharri Thomas
Cedar Hill
Summary
Bringing extensive experience in risk analysis and community program management, skilled in fostering partnerships and utilizing data for strategic decision-making. Adept at improving service delivery and budget oversight. Eager to leverage expertise in teamwork and customer service as a Mortgage and Compliance Risk Professional to support organizational growth.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Foreclosure Lead
The Mortgage Law Firm
Cedar Hill
03.2026 - Current
- Oversee and manage the end-to-end foreclosure process, including default, pre-foreclosure, and post-sale activities
- Lead, train, and support foreclosure staff to meet productivity and quality goals
- Monitor timelines to ensure adherence to state and federal foreclosure laws and regulations
- Review foreclosure files for accuracy, completeness, and compliance
- Act as a point of escalation for complex cases or borrower issues
- Coordinate with attorneys, trustees, title companies, and internal departments
- Track and report performance metrics, KPIs, and pipeline status
- Implement process improvements to increase efficiency and reduce risk
- Ensure proper documentation and recordkeeping for audits and legal purposes
RESIDENT SERVICES MANAGER
LDG Development
Dallas
09.2024 - 10.2025
- Managed program execution, achieving significant progress in core service areas.
- Developed pilot programs, enhancing resident offerings and meeting identified needs.
- Utilized data for supervision, improving quality and budget oversight.
- Built partnerships with service providers, expanding community resources.
- Facilitated teamwork between Resident Services and Property Management.
- Implemented comprehensive program evaluations to enhance service delivery, resulting in measurable improvements in resident satisfaction.
- Fostered partnerships with local organizations, enriching resource access for residents and strengthening community engagement.
- Utilized program data to inform strategic decisions, driving quality improvements and effective budget management across services.
RESIDENT SERVICES COORDINATOR
Harbor Group Management
Irving
02.2024 - 09.2024
- Oversee the implementation of programming in the core service areas and progress toward program outcomes at all assigned sites.
- Assist in the development of pilot programs and related tools and outcome measurements to expand program offerings to meet identified resident needs.
- Use program data and regular reporting as a tool for staff and program supervision and quality improvement. Provide input in the development of resident services budgets and responsible for monitoring budgets and reporting on variances.
- Locate, develop and maintain networks and partnerships with relevant service providers, community organizations, business and educational institutions and assist Resident Services staff to do the same.
- Participate in community groups working to improve services for residents in order to develop new resources that address unmet needs.
- Facilitate effective working relationships between Resident Services and Property Management staff. Contribute to positive and effective teamwork environment with colleagues.
OPERATIONAL RISK MONITORING TEAM LEAD
Citi
Irving
08.2022 - 09.2023
- Monitor mortgage loan portfolios for credit risk indicators, delinquency trends, and early warning signals.
- Identify emerging risks related to interest rate changes, housing market shifts, and borrower performance.
- Conducted trend analysis on loan quality, underwriting exceptions, and default patterns to inform risk management strategies.
- Identified emerging risks from interest rate changes, housing market shifts, and borrower performance to proactively address potential impacts.
- Ensure adherence to mortgage industry regulations and investor guidelines (e.g., Consumer Financial Protection Bureau, Federal Housing Administration, Fannie Mae, Freddie Mac).
- Monitored policy changes and assessed impact on risk exposure to ensure compliance and mitigate potential risks.
- Partner with Quality Control, Compliance, and Underwriting teams to address risk findings.
- Assist in root cause analysis of loan defects and repurchase requests.
POST CLOSING SUPERVISOR
Opendoor
Plano
01.2022 - 08.2022
- Managed and supervised the loan closing process in accordance with investor and regulatory guidelines for all residential mortgage loans for Fulfillment Center.
- Ensured compliance of closing and post closing teams with turn times and documentation standards, including timely payment of FHA, MIP, and VA Guarantee premiums, and submission of insuring packages to government agencies within 30 days of funding.
- Supervised preparation of loan documents and disbursement of funds for residential mortgage loans.
- Create and implement procedures necessary to stay in compliance with, Investor Programs and Procedures, and all federal and state regulations.
BUSINESS CONTROL SENIOR ANALYST- POST FUNDING QUALITY REVIEW
Caliber Home Loans
Coppell
06.2019 - 01.2022
- Responsible for the design, implementation, and oversight of a suite of surveillance activities designed to prevent and detect behaviors that may violate regulatory rules or internal policies and procedures.
- Responsible for escalating the activity and working collaboratively with partners to determine the appropriate resolution of the matter, appropriately assess risk when business decisions are made, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
- Responsible for executing key risk programs that ensure the company is in compliance with company policies, procedures, and all applicable laws, rules, regulations, including agency and investor requirements that may include reviewing and researching loan file.
- Perform RCSA Audits and monitoring, and reporting.
CORRESPONDENT SENIOR PURCHASE AUDITOR
Mr. Cooper
Farmers Branch
05.2018 - 05.2019
- Audit mortgage loan packages for completeness and accuracy for correspondent lending (Non Delegated and Delegated teams).
- Run Compliance Ease to check for any violations to TRID guidelines on fees and revised Loan Estimates.
- Communicate with lending institution personnel on the findings of each audit.
- Provide guidance on clearing suspense items to make the file worthy of purchase. Make corrections to ensure the data entered reflects accurate information Reviews data entry based on documentation provided by the lender.
- Work closely with underwriters and request documentation on missing conditions.
- Review guidelines based on loan program - FHAVA/USDA & CONVENTIONAL. TRID Compliant - Redisclose as required by state laws.
QUALITY ASSURANCE ANALYST
Fay Servicing LLC
Farmers Branch
03.2017 - 03.2018
- Audit post-close loan documents (Conventional, FHA, VA, USDA, HELOC), to ensure all TRID and RESPA guidelines are followed properly.
- Verified inclusion of all state-required forms and signatures by borrowers during the loan process.
- Perform targeted reviews, walkthroughs, interviews, inquiries, and audits designed to evaluate controls and identify weaknesses and gaps.
- Evaluate Risks applicable to the company and assign risk ratings and RCSA regulations.
- Presented audit findings and issues directly to senior management for informed decision-making.
- Ensure that all state required forms or affidavits were included and signed by the borrower.
- Work with Third Party Auditors to develop an overall picture of the company's risk profile.
- Collaborated with stakeholders to establish a corrective action tracking process for gap identification, milestone setting, and root cause analysis.
- Ensured appropriate sign-offs at completion and facilitated remediation processes.
PURCHASE AUDITOR
Catapult Staffing/Pacific Union Financial
Farmers Branch
10.2016 - 03.2017
- Clarified approval conditions according to level authorization requirements.
- Review initial and final 1003 for accuracy.
- Make corrections to ensure the data entered reflects accurate information.
- Reviews data entry based on documentation provided by the lender.
- Clear approval conditions in accordance with level authorization.
- Work closely with underwriters and request documentation on missing conditions.
- Completed all processes and checklists accurately for each loan file.
- Assist in moving loans from submission to clear to close Order internal conditions for each loan per loan approval.
- Review guidelines based on loan program - FHA/VA/USDA & CONVENTIONAL TRID Compliant - Redisclose as requested by law.
DEFAULT CLAIMS ANALYST
Convergenz/Fannie Mae
Addison
04.2015 - 03.2016
- Assist in creating an updated HECM reconciliation process to receive requested documentation and maximize accurate and timely payments.
- Review, analyze, and ensure timely settlement of investor and mortgage insurance claims and manage aging claims to determine status and bring to closure.
- Document and maintain all systems necessary for proper claim handling and follow-up.
- Research issues and obtain proper supporting documentation in a timely manner as requested by investor Manage application of all claim funds received and provide additional information as necessary in order to validate all requested funds.
- Monitor claim process reports to ensure all required responses are timely filed.
SENIOR MORTGAGE LOAN PROCESSOR
Recovco Mortgage Management
Irving
09.2014 - 03.2015
- Verified accuracy of all information entered into Mortgage Online system (MOL) and Dashboard with borrower.
- Requested and input additional documentation for underwriting.
- Submits loan files to the Underwriting Department and clears all underwriting conditions Reviews estimated final HUD-1 with borrower and confirms loan transaction detail.
- Prepares and submits loan file to funding department and clears all funding conditions.
- Prepared and dispatched loan closing documents to closing agent promptly, aligning with scheduled signing date for seamless transactions.
- Managed pipeline notes and loan sub statuses efficiently, facilitating smooth workflow and communication.
- Work with title to clear liens, judgments or any clouded item.
- Negotiated and finalized contracts with stakeholders to ensure compliance and mutual agreement.
AVP PRE-FORECLOSURE/REFERRALS
Citi Mortgage
Irving
11.2012 - 09.2014
- Managed team of 125 employees, including offshore staff, during post charge-off stage of default operations.
- Influenced decisions by providing advice and counsel, facilitating services for others, and sharing accountability for volume, quality, and timeliness of results.
- Evaluated subordinates' performance and made recommendations for pay increases, promotions, termination etc.
- Perform Equity Analysis on delinquent accounts before referring to foreclosure.
- Developed processes to ensure compliance with FHLMC, FNMA, GNMA, HUD, VA, FHA, CFPB and National Mortgage Settlement standards and regulations.
- Evaluated subordinates' performance and made recommendations for pay increases, promotions, termination etc.
DEFAULT PROCESSOR III, FRONT END PROCESSOR, SHORT SALES TEAM LEAD
Citi Mortgage
Irving
11.2008 - 11.2012
- Obtained information from internal imaging systems and external websites to facilitate accurate processing.
- Managed accounts for REO, Loss Mitigation, Foreclosure, Equity Analysis, and Bankruptcy to support team objectives.
- Processed payment reimbursement expense forms Strategized various ideas to get funds from claims.
- Generated daily, weekly, monthly reports on attendance, productivity and quality of all call center associates.
- Operated as a liaison between corporate, call center associates and regional Offices nationwide.
- Conducted daily, weekly and monthly team meetings and conference calls to discuss goals, concerns, strengths and areas of opportunity.
- Ensured requirements, goals, and expectations are met by means of coaching and reprimanding associates on productivity, attendance and quality.
- Coached associates on productivity, attendance, and quality to meet requirements and goals.
Education
CERTIFICATE - ACTIVITY DIRECTOR
Richland Community College
TXCERTIFICATE - REAL ESTATE
North Lake College
TXHIGH SCHOOL DIPLOMA -
Irving High School
TXSkills
- Foreclosure management
- Foreclosure documentation
- Mortgage processing
- Regulatory compliance
- Compliance review
- Risk assessment
- Process improvement
Certification
Certified Notary Public
Timeline
Foreclosure Lead
The Mortgage Law Firm
03.2026 - Current
RESIDENT SERVICES MANAGER
LDG Development
09.2024 - 10.2025
RESIDENT SERVICES COORDINATOR
Harbor Group Management
02.2024 - 09.2024
OPERATIONAL RISK MONITORING TEAM LEAD
Citi
08.2022 - 09.2023
POST CLOSING SUPERVISOR
Opendoor
01.2022 - 08.2022
BUSINESS CONTROL SENIOR ANALYST- POST FUNDING QUALITY REVIEW
Caliber Home Loans
06.2019 - 01.2022
CORRESPONDENT SENIOR PURCHASE AUDITOR
Mr. Cooper
05.2018 - 05.2019
QUALITY ASSURANCE ANALYST
Fay Servicing LLC
03.2017 - 03.2018
PURCHASE AUDITOR
Catapult Staffing/Pacific Union Financial
10.2016 - 03.2017
DEFAULT CLAIMS ANALYST
Convergenz/Fannie Mae
04.2015 - 03.2016
SENIOR MORTGAGE LOAN PROCESSOR
Recovco Mortgage Management
09.2014 - 03.2015
AVP PRE-FORECLOSURE/REFERRALS
Citi Mortgage
11.2012 - 09.2014
DEFAULT PROCESSOR III, FRONT END PROCESSOR, SHORT SALES TEAM LEAD
Citi Mortgage
11.2008 - 11.2012
CERTIFICATE - ACTIVITY DIRECTOR
Richland Community College
CERTIFICATE - REAL ESTATE
North Lake College
HIGH SCHOOL DIPLOMA -
Irving High School