TRINA Y. WOODARD

• Work collaboratively and cohesively with members of the Onboarding team and Human Resources.
• Reviewed dual employment requests for the company’s employees to determine if requests can be approved.
• Conducted the California Per Diem report monthly.
• Conducted research, including proprietary systems, subscriber databases and internet resources to resolve issues and verify compliance with regulations.
• Conducted research and review forms, disclosures, and other documentation to validate information and ensure compliance is applicable with federal and state regulations.
• Identified and communicated area of improvements for quality control to QA Lead & Quality Assurance Manager.
• Identify and document operational, compliance, and quality risks and make recommendations to mitigate risks.

• Identify and document operational, compliance, and quality risks and make recommendations to mitigate risks.
• Acted as lead for key compliance functions such as technology/forms implementation, regulatory exams, presentations, fair lending, and/or regulatory reports.
• Conducted compliance testing to ensure that all processes are compliant with all regulations.
• Tracked, monitored, and analyzed current and pending federal, state, and local legislation and regulations.
• Prepared clearly written analysis of various laws and regulations, agency and investor guidelines, etc. Including impact on the business unit (disclosures, processes, policies and procedures, LOS implications, etc.).
• Monitored changes to the federal, state, and local regulatory environment, identify any applicable changes, and assist with the implementation and testing of updated policies, procedures, and technology in connection with updates that affect the Company.
• Responded to inquiries, reset passwords, created IT tickets and resolved loan level questions submitted by the business.
• Provided input and assisted in drafting compliance reports, troubleshoot, including development of reviewed findings and recommendations for specific remedial/corrective action and improvement development.
• Conducted basic to intermediate assurance/effectiveness reviews involving compliance activities in accordance with appropriate standards, metrics, established compliance plan(s) and prescribed departmental/program policies.

• Audited loan to ensure files are ready for closing and to make sure they comply.
• Generated closing documents and sent them to the settlement agent for signing.
• Reviewed loan documents on closed loans to ensure proper execution.
• Calculated funding amount for each loan package, balances figures with the closing agent, releases wire and funds the loan.
• Balanced with title and initiates funding wire.
• Followed the TRID, RESPA and state-specific guidelines and policies to ensure the loan meets compliance needs.
• Reviewed title ledger after disbursement and complete the Post Consummation Closing Disclosure.
• Ability to maintain a high level of confidentiality and integrity with sensitive/confidential client and borrower information.
• Identify and document operational, compliance, and quality risks and make recommendations to mitigate risks.

• Responsible for the pre-purchase review of Conventional, Non-Conforming, FHA, and VA loans files to ensure collateral files contain required documentation.
• Utilized an inventory checklist to ensure loan files are complete and accurate within the LOS system.
• Ability to work well under the pressure of strict deadlines and changing priorities.
• Ability to identify problems and develop procedures to resolve the situation.
• Identify and document operational, compliance, and quality risks and make recommendations to mitigate risks.

• Validated signing accuracy according to state Requirements; Identified potential challenges within the origination process and/or department and made recommendations for changes to improve.
• Remediated defects and provided feedback on errors found during the post-closing review.
• Performed detailed review of the HUD-1 Settlement Statement (TRID), TIL, and Closing Disclosure to ensure satisfaction of mortgage compliance regulations.
• Reviewed the mortgage and Title for proper vesting.
• Identify and document operational, compliance, and quality risks and make recommendations to mitigate risks.
• Reviewed financial statements, credit reports, and applicable ratios (debit ratios; loan-to-value); evaluated transactions to ensure accuracy and completeness; prepared formal reports weekly.
• Reviewed documents, executed by the borrower at closing for accuracy and completeness and cleared any document deficiencies in LOS.
• Verified that all Capital One regulatory criteria are satisfied in terms of quality assurance, fraud investigations, compliance guidelines and problem solving.
• Calculated funding amount for each loan package, balances figures with the closing agent, releases wire and funds the loan.
• Filed conditions received accordingly and update Loan Approval via LOS and send the update to all parties.
• Balanced the CD and Settlement Statement with Closing Agent prior to funding.
• Followed the TRID, RESPA and state-specific guidelines and policies to ensure the loan meets compliance needs.

• Managed trustee responsibilities for over 100 syndicated loans across multiple lenders and portfolios, conducting research and reconciliation of principal, interest, and fee payments.
• Assisted Trust Account Managers in overseeing structured finance accounts, ensuring compliance with trust agreements and delivering high-quality service.
• Examined incoming agent notices, verifying timely and accurate reporting of draw downs and principal payments within the Wall Street Office System.
• Processed rollover transactions and rate adjustments, maintaining efficiency in financial operations.
• Oversaw deal transactions, ensuring proper recording of all cash movements, trades, and other financial activities.