Valerie Morrison
San Antonio,TX
Summary
Achieved successful project outcomes through effective management of third-party vendor relationships. Delivered compliance assessments that met all regulatory standards. Created and refined policies and procedures that streamlined operations. Cultivated a proactive approach to personal and professional development, consistently seeking opportunities for growth.
Overview
13
13
years of professional experience
Work History
Closer
Vontive
San Antonio, TX
08.2025 - Current
- Evaluated loan applications for compliance with internal policies and federal regulations to minimize risk.
- Coordinated with title companies and real estate agents to facilitate seamless transaction closings
- Reviewed supporting documentation for accuracy, ensuring all requirements were met prior to closing.
- Streamlined communication between stakeholders, enhancing collaboration during complex or challenging transactions.
- Monitored post-closing processes to ensure compliance with regulatory standards and organizational best practices.
- Managed a pipeline of prospects, maintaining consistent follow-ups to ensure timely
- Served as a reliable point of contact for both internal teams and external partners throughout deal closures ensuring efficient information flow.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
Analyst
Guidehouse
San Antonio, TX
03.2025 - 08.2025
- Conducted thorough assessments of government contract applications to verify alignment with discount eligibility requirements for internet and
- Reviewed and enforced compliance standards, enhancing the effectiveness of organizational protocols.
- Analyzed and improved application processing methods, resulting in increased efficiency across operations.
- Contributed to weekly discussions that identified and addressed emerging challenges. Delivered comprehensive reports for stakeholders, enhancing management's decision-making process.
Compliance Manager
Sarma Inc
04.2023 - 11.2024
- Assessed systems and implemented controls to ensure adherence to regulatory requirements.
- Oversaw comprehensive investigations and developed corrective action plans.
- Engaged with external auditors and regulators to uphold compliance and enhance transparency.
- Directed documentation processes for compliance activities, including complaints and investigation outcomes.
- Conducted thorough risk assessments to identify potential risks
- Reviewed contracts and agreements for accuracy, ensuring compliance before management approval
Call Quality Analyst
USAA
San Antonio, TX
10.2021 - 03.2023
- Applied expertise in SCRA, Fair Debt Collection Practices Act, RESPA, CFPB, and FCRA to ensure compliance and mitigate risks.
- Conducted audits of recorded calls to uphold quality standards and ensure regulatory compliance.
- Analyzed real-time call metrics to evaluate performance and propose operational enhancements.
- Facilitated regular calibration sessions with management to ensure alignment of quality expectations across teams.
- Demonstrated self-motivation and accountability in all tasks undertaken.
- Demonstrated ability to operate autonomously while contributing effectively within team settings.
- Optimized time management strategies to ensure timely completion of all tasks.
Real Estate Lending Loan Officer
USAA
01.2018 - 10.2020
- Developed and maintained client, real estate agent, and attorney relationships
- Coordinated transaction closings with title companies and attorneys
- Identified and addressed potential issues in loan applications
- Negotiated loan terms to ensure legal compliance
- Researched competitive lending rates for market competitiveness
- Prepared loan documents for underwriting review
- Managed closing process to prevent transaction delays
- Educated customers on available loan and credit options
- Addressed customer complaints and resolved issues professionally
Foreclosure Member Debt Rep
USAA
05.2015 - 12.2017
- Following up on foreclosure status in judicial and nonjudicial states
- Ensuring compliance with national laws and collection industry regulations
- Analyzing real estate appraisals and making recommendations
- Educating members on modifications, short sales settlements, and deed in lieu of foreclosures
- Familiarity with credit reporting, bankruptcy, vendor management, and property preservation
- Obtaining income and tax documents
- Researching account information and maintaining compliance
- Adhering to SCRA, Fair Debt Collections Practice Act, RESPA, CFPB, FCRA
- Applying standard guidelines for credit reporting, estate, bankruptcy, and attorney vendor management
- Negotiating payment arrangements and monitoring payments
Loss Mitigation/Shortsale
USAA
12.2012 - 04.2015
- Reviewed financial documents and account statements
- Request appraisal with vendors to determine the property value
- Pulling and evaluating the debtor's credit ratings
- Negotiating on payment plans and offering liquidation options
- Educating that the debtor understands the terms and conditions to prevent further financial hardships
- Presented my case to The Loan Committee for liquidation options and my recommendations
- Dealt with underwriters to discuss loss mitigation options and presented my case and findings
Education
High School Diploma - undefined
05-2000
Skills
- Exhibited strong leadership capabilities through mentoring and developing team members for enhanced productivity
- Effectively prioritized and balanced diverse tasks to ensure timely completion and support team objectives
- Utilized creative problem-solving skills to identify issues and implement effective strategies for resolution
- Articulated complex ideas clearly to ensure understanding among diverse audiences
- Monitored and evaluated compliance management systems to maintain organizational accountability and transparency
- Conducted thorough assessments of processes to maintain regulatory compliance and safeguard organizational integrity
Timeline
Closer
Vontive
08.2025 - Current
Analyst
Guidehouse
03.2025 - 08.2025
Compliance Manager
Sarma Inc
04.2023 - 11.2024
Call Quality Analyst
USAA
10.2021 - 03.2023
Real Estate Lending Loan Officer
USAA
01.2018 - 10.2020
Foreclosure Member Debt Rep
USAA
05.2015 - 12.2017
Loss Mitigation/Shortsale
USAA
12.2012 - 04.2015