Sheena Carter
Little Elm,TX
Summary
Internal Auditor with a diverse knowledge of the mortgage industry. Pays attention to detail auditing the company's servicing practices to ensure the company is following federal guidelines and regulations. Built a QC Servicing platform from the ground up for a company with a population of over 20,000 loans. Strengths include organizational skills, communication skills, and excellent time management. Hardworking QC Auditor knowledgeable about sampling and testing procedures in banking environments. Leverages scientific approach to multi-task, achieve targets and integrate new ideas within existing assays and processes.
Overview
12
12
years of professional experience
Work History
SR QC AUDITOR
Stearns/Guaranteed Rate
Lewisville, TX
12.2017 - Current
- Perform Audits on all functional areas within the company's servicing operations
- Responsible for planning, conducting, and publishing results of audits
- Assimilate test results into a comprehensive report for Executive Management
- Audit Third-Party Originators required documents and for New Brokers and recertification.
- Maintain current comprehensive knowledge of FHA, Freddie Mac, VA and Ginnie Mae requirements, as well as state and Federal laws and regulations, including those from the CFPB and HUD.
- Conduct preliminary meetings with senior management to arrive at consensus of findings for final report
SR. INTERNAL AUDITOR
GMAC/Ocwen
Addison, TX
07.2012 - 09.2017
- Perform compliance loan reviews and compliance assessments on mortgage servicing activity
- Identify and escalate issues and trends to management
- Ensuring sampling strategies are accurate and executed appropriately
- Calculate reinstatement figures for all accounts, including P&I, interest arrears, escrow, late charges, insufficient funds, fees/expenses, suspense balance, and interest reserves balance.
- Collaborate with Business Units, Legal and Compliance partners to resolve identified issues
Sr. Internal Auditor
Citibank
Irving, TX
10.2022 - Current
- Managed time efficiently in order to complete all tasks within deadlines.
- Paid attention to detail while completing assignments.
- Self-motivated, with a strong sense of personal responsibility.
- Assisted in the preparation of audit reports that clearly communicated findings and recommendations to key stakeholders.
- Performed internal audits for CCAR, developing risk assessments and conducting process walkthroughs with Stakeholders better understand their processes.
- Identified and reported audit issues.
- Provided valuable insights to management by presenting clear and concise audit findings, contributing to informed decision-making processes.
- Maintained up-to-date knowledge of industry trends and emerging risks, ensuring relevance in audit approach and methodology.
- Perform Audits on identified Issues.
- Assist with the quarterly Business Monitoring Document.
Education
Bachelor of Arts - APPLIED SCIENCES CONCENTRATIONS:ADMINSTRATION AND CONSUMER BEHAVIOR
University of North Texas
Denton, TXAssociate of Arts - General Studies
Tyler Junior College
Tyler, TXSkills
- STRONG COMMUNICATION
- SKILLS LEADERSHIP
- STRONG EXCEL SKILLS
- NUMERACY SKILLS
Timeline
Sr. Internal Auditor
Citibank
10.2022 - Current
SR QC AUDITOR
Stearns/Guaranteed Rate
12.2017 - Current
SR. INTERNAL AUDITOR
GMAC/Ocwen
07.2012 - 09.2017
Bachelor of Arts - APPLIED SCIENCES CONCENTRATIONS:ADMINSTRATION AND CONSUMER BEHAVIOR
University of North Texas
Associate of Arts - General Studies
Tyler Junior College
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