SHAUNIDRA SPANN
Antioch,IL
Summary
A dynamic and motivated professional with a proven record of generating and building relationships, managing projects from concept to completion, designing educational strategies and coaching individuals to success. A Smart financial professional who applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic, seeking a company who can match and assist in exceeding professional goals. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
15
15
years of professional experience
1
1
Certificate
Work History
Compliance Officer
Wintrust Financial Corp
04.2022 - Current
- Identified, investigated and documented compliance violations and recommended corrective measures.
- Responded to employee inquiries regarding compliance regulations and procedures.
- Developed and maintained compliance database, tracking all compliance activities and documents.
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Maintained up-to-date knowledge of current and emerging compliance regulations.
- Reviewed, revised and updated compliance policies and procedures to confirm continual compliance with applicable laws.
- Prepared and submitted regulatory filings in timely manner.
- Monitored and assessed compliance risks associated with operational processes and procedures.
- Investigated and documented all violations of compliance regulations to determine necessary improvements.
- Collaborated with internal and external stakeholders, auditors and legal counsel to confirm compliance with applicable laws and regulations.
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
- Developed and implemented corrective action plans for non-compliance issues.
- Created and maintained compliant work environment.
- Assisted with development of compliance objectives and strategies.
- Identified gaps in existing compliance processes and recommended updates.
- Kept informed regarding pending industry changes, trends or best practices.
- Warned violators of infractions or penalties.
- Identified, investigated and documented compliance violations and recommended corrective measures
- Reviewed, revised and updated compliance policies and procedures to confirm continual compliance with applicable laws
Compliance Underwriter /Auditor
NEIGHBORHOOD LOANS
01.2021 - 08.2021
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Supported review and acceptance or denial of new or renewal business.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
- Analyzed data to identify trends and predict future insurance needs.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
Loan Funder
Interactive Mortgage / Winn Corp DBA Mortgage
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Maintained strict confidentiality of bank records and client information.
- Collaborated with other departments to promptly process loan applications.
- Review of closing documents, ensuring date accuracy against UW conditions, title, insurance documentation, flood certificates, credit report and/or refresh, DU/LP, appraisal, and all other verifying attributes of loan transaction.
- Calculating and comparing impound amounts, dates and coverage amounts.
- Title review. Confirm liens paid. Review documentation for holds, taxes, debts, etc. Ensure title is free and clear prior to funding. Tracking payoff expirations, rate lock expirations, extensions and verifications of employments. Verifying package is drawn correctly and accurately, prior to loan signing.
- Confirm and review notary signatures. Review and confirm Trust certificates are executed properly, accurately and notarized accordingly. Review docs back for funding authorization. Verifying vesting and acquiring QCD if needed. Confirm cash-out/cash back meets requirements of loan product. Verify master condo policy has adequate coverage. Comparison of and adjusting of fees, cures, credits, overages and payoff amounts. Balancing wires and initiating funds disbursement. Prep files for post closing and clearing investor purchase issues prior to shipping.
Wholesale Funding/ Post Closing Manager
Fairway Independent Mortgage Corporation. NMLS
01.2015 - 02.2019
- Encouraged atmosphere of teamwork by supporting staff and fostering cooperation and trust through fairness and consistency.
- Served as first contact in escalation path to resolve questions between team members, customers and third-party vendors.
- Developed refinements to streamline closing processes.
- Trained new employees on proper protocols and customer service standards.
- 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.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Assisted in recruiting, hiring and training of team members.
- Mitigated business risks by working closely with staff members and assessing performance.
- Managed Funding transactions and ensured proper documentation was received and accurate.
- logged all funding transactions and maintained projected funding time by way of excel spreadsheet.
- Gathered outstanding Underwriting and Audit conditions for investors to clear audit suspense. Worked directly with brokers and title to retrieve QC Compliance audits on past due borrower accounts.
- Held weekly meetings with staff to go over progress and to discuss monthly production and workplace procedures as well as department goals, resolve audit issues, recover missing documents and correct saleable issues.
- Cleared QC audit suspense.
Certified Notary Signing Agent
FW Notary LLC - Business Owner
01.2016 - 01.2021
- Checked documents for accuracy and correct signing before notarizing.
- Checked documents and identifying credentials for all parties.
- Checked client identification to maintain compliance with state legal requirements.
- Maintained accurate records of all documents notarized to support accurate recordkeeping and reporting requirements.
- Examined documents for accuracy, completion and compliance before notarizing.
- Updated journal with names and dates for permanent record.
- Followed proper protocol when notarizing documents, verifying signatures and dates for compliance.
- Met with clients in remote environment to witness signings.
- Looked for signs of fraud or coercion and refused notarization.
- Provided guidance to customers to facilitate completion of notarial documents.
- Administered oath to document signers to obtain affirmation of truth.
- Set up and managed appointments for client notary services.
- Certified and attested power of attorney documents, acknowledgements and deeds.
- Attended public notary seminars to stay informed of updates to relevant laws and regulations.
- Drafted and executed notarial affidavits in accordance with applicable laws.
- Utilized specialized software to accurately track notary services performed.
- Trained and supervised employees on office policies and procedures.
- Completed daily logs for management review.
- Developed and implemented strategies to streamline office operations.
- Streamlined office operations by effectively monitoring and addressing client correspondence and data communications.
- Managed data and correspondence to secure information across complex landscapes of organizational departments.
- Opened and properly distributed incoming mail to promote quicker response to client inquiries.
- Drafted common document templates to reduce time spent creating documents from scratch.
- Increased customer service success rates by quickly resolving issues.
- Performed wide-ranging administrative, financial and service-related functions.
- Proofread and edited documents for accuracy and grammar.
Mortgage Loan Closer
Guaranteed Rate
01.2009 - 01.2014
- Communicated closely with inter-company staff members to promote quick and effective loan workflow.
- Prepared all paperwork for loan package and arranged final closing meeting.
- Provided highest level of service and support to customers, closing agents and realtors.
- Reviewed mortgage documents for accuracy, which included title abstract and insurance forms.
- Pleasantly answered questions from customers, typically returning calls within 2 hours.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Fielded customer complaints and provided solutions.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Complied with federal and state regulations as well as 2010 RESPA Reform.
- Prepared closing packages for loans in all states
- Input date into the loan operating system to prepare loan packages.
- Checked for accuracy. Verified large deposits, ordered verifications documents, ordered insurance declarations and flood.
Education
No Degree - Clinical Child Psychology
TENNESSEE STATE UNIVERSITYUNIVERSITY OF PHOENIX
Nashville, TNAssociate of Arts - Human Services Management
University of Phoenix
Tempe, AZSkills
- VITALS
- 243 Windham Circle
- Yorkville, IL 60560
- SKILLS & ABILITIES
- See below and Resume
- Analyzing, and summarizing management Information
- Completes audit work papers and memorandums by documenting audit tests and Findings
- Recommends management team on current company's compliance with laws and regulations through elaborated reports Updates job knowledge by participating in educational Opportunities such as reading professional publications, maintaining personal networks, attending online Webinars, and participating in professional organizational functions
- Meets work standards by following production, productivity, quality, and customer-service standards; resolving operational problems and identifying work process improvements
- Ensures compliance with regulations and controls by examining and analyzing records, reports, operating practices, and documentation; and recommending opportunities to strengthen internal control structure Verifies assets and liabilities by comparing items to documentation
- Manages Vendor Management as well as generate and review monthly adverse action reports to determine if proper actions were taken for adverse loan applications responses Responsible for checking for post QC audits
- SOFTWARE
- Microsoft Excel, Word, Simple Loan Manager, MLCS, Enterprise Decision Engine, Loan Prospector, Loan Works, Pronto, Optis, Visual Banker, Alltel, Palisades, Witpro, AUS/DU, Doc Magic, Calyx, Encompass, MERS
- Trinity and Safe Cash mortgage software, DU, LP, AUS
- Customer Satisfaction
- Data Collection
- Vendor Contracts
- File Analysis
- Data Communications
- Managing Multiple Priorities
- Time Management
- Customer Care
- Portfolio Management
- Business Development
- Government Lending
- Risk Assessment
- Quality Control
- Risk Management
- Automated Underwriting Systems
- Trend Analysis
- Service Delivery
- Policy Development
- Data Analysis
- Appraisal Verification
- Underwriting Understanding
- Closing Disclosures
- Issue Resolution
- Data Integrity
- Quality Assurance
- Freddie Mac and Fannie Mae Compliance
Certification
approved and certified, licensed in the state of IL for business and Notary Public, E&O, IL Bond and Background current.NNA Certified 2019, TRID Closing Disclosure Certification 2018, Notary Public since 2015FAIRWAY INDEPENDENT MORTGAGE WHOLESALE - FUNDING AND POST CLOSE MANAGER, COMPLIANCE AUDITOR, CORRESPONDENT PURCHASING SPECIALIST, COMPLIANCE TEAM LEAD 2015-2019
Timeline
Compliance Officer
Wintrust Financial Corp
04.2022 - Current
Compliance Underwriter /Auditor
NEIGHBORHOOD LOANS
01.2021 - 08.2021
Certified Notary Signing Agent
FW Notary LLC - Business Owner
01.2016 - 01.2021
Wholesale Funding/ Post Closing Manager
Fairway Independent Mortgage Corporation. NMLS
01.2015 - 02.2019
Mortgage Loan Closer
Guaranteed Rate
01.2009 - 01.2014
Loan Funder
Interactive Mortgage / Winn Corp DBA Mortgage
No Degree - Clinical Child Psychology
TENNESSEE STATE UNIVERSITYUNIVERSITY OF PHOENIX
Associate of Arts - Human Services Management
University of Phoenix
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