Tashawna Cloyd
Business Analyst
Cincinnati
Summary
- To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
- Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
- Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
5
5
years of professional experience
Work History
Mortgage and Consumer Business Analyst
First Financial Bank
11.2021 - 01.2023
- Manage quality control and remedy process for outside vendors, including but not limited to, Fannie Mae, Freddie Mac, Essent Guaranty, Quest Advisors, National Mortgage Insurance Corporation, Arch Mortgage Insurance Company
- Communicate Quality Control findings to line of business partners and senior leadership
- Recommend process improvements or training opportunities to improve overall service quality by identifying trends in inquiry monitoring
- Maintain awareness of regulatory guidance relative to lending practices and credit risk topics and communicate such information
- Ensure effective and efficient loan review testing, inclusive of credit file reviews
- Provide regular reporting that summarizes compliance vendor reporting on closed and open ended loans monthly.
Consumer Compliance and Quality Control Analyst
11.2020 - 11.2021
- Ensure compliance with all relevant local, state, and federal laws and regulation, including but not limited to Regulations B, C, O, U, V, Z, Dodd—Frank
- Conduct research on various consumer lending (closed-end, credit card, mortgage) compliance regulations and industry standards
- Analyze risk reports, conduct root cause analysis, and recommend remediation plans
- Assist in department audits and exams along with develop and deliver department training on various compliance and risk topics as needed
- Prepare and test all mortgage HMDA data to ensure accurate submission to FFB Corporate Compliance
- Work with line of business leadership, credit risk management, and corporate compliance to ensure sound quality control and compliance review policies and procedures.
Consumer Loan Processor II
First Financial Bank
07.2018 - 11.2020
- Prepare an accurate and compliant Loan Estimate/Revised Loan Estimate to be provided to the borrower with the TRID timing guideline requirements
- Prepare an accurate and compliant Closing Disclosure/ Revised Closing Disclosure to be provided to the borrower with the TRID timing guideline requirements
- Send approved TRID disclosures to relationship bankers in the Retail Market to provide to borrower
- Ensure fees for lender are within TILA/RESPA guidelines
- Ensure department TRID loans stay in compliance for Reg B regulations, TILA, RESPA, and Fair Lending regulations as well as monitor reports of TRID loan applications and final approvals
Education
Bachelor of Arts Degree - Communication Studies
Skills
- Project Management
- Needs Assessment
- Process Optimization
- Change Impact Analysis
- Functional Improvements
- Trend Data Analysis
Timeline
Mortgage and Consumer Business Analyst - First Financial Bank
11.2021 - 01.2023
Consumer Compliance and Quality Control Analyst -
11.2020 - 11.2021
Consumer Loan Processor II - First Financial Bank
07.2018 - 11.2020
Northern Kentucky University - Bachelor of Arts Degree, Communication Studies