Summary
Overview
Work History
Education
Timeline
Generic

Vaughan D. Kiersten D. West Troutman

Charlotte,NC

Summary

An experienced sales and mortgage professional with more than 13 years of experience in originations, servicing, default support and compliance including detailed experience with various investors and federal regulations. Recognized success in identifying risks and implementing procedures to mitigate loss. Core competencies include: Monitoring/Testing | Forecasting | Cost Analysis | Operations Management Regulatory Compliance | Risk Management | Strategic Planning | Auditing

Overview

15
15
years of professional experience

Work History

Risk Analyst

Guided Insurance Solutions
Charlotte, NC
07.2022 - Current
  • Assess customers insurance needs to advise products and coverages based on the exposure assessment
  • Devised insurance plans that helped my clients efficiently maximize their protection
  • Analyze insurance policies to verify compliance with state and federal regulations
  • Finalizes the sale, coordinates collection of deposits, arranges binders and briefs the service team on the issuance of the policy.

Loan Officer

Liberty Home Mortgage
Independence, OH
12.2021 - 07.2022
  • Consults with client about their lending needs to help them achieve their financial goals, including the collection and analysis of information about the client’s financial situation
  • Advises client about the credit risks, consequences and benefits of alternative lending solutions when applicable
  • Schedules and tracks closing dates, contingency dates and loan lock expirations
  • Ability to manage pipeline while conducting credit and underwriting analysis on each file.

Loan Officer

Reliance First Capital
Independence, OH
12.2019 - 12.2021
  • Consults with client about their lending needs to help them achieve their financial goals, including the collection and analysis of information about the client’s financial situation
  • Advises client about the risks, consequences and benefits of alternative lending solutions when applicable
  • Ability to manage pipeline while conducting credit and underwriting analysis on each file.

Executive Client Relations Lead

PNC Mortgage
Dayton, OH
09.2016 - 12.2019
  • Partnered with lines of business to help ensure all identified compliance requirements were met; ensured risks were monitored and remediated through testing/development/implementation and use
  • Researches, analyzes, owns and coordinates the resolution with appropriate business leaders for complex escalated complaints in accordance with regulatory and investor requirements
  • Implemented internal tracking systems to assist with identifying future risks and trained staff on usage
  • Performed reporting activities and data analysis, provided and maintained reporting mechanisms, and tracked/reported the outcomes from the Compliance activities
  • Developed training and supported business areas with targeted regulatory testing for FCRA, BSA, GLBA and all other related regulations
  • Evaluated the consumer complaint and response process for efficiency and regulatory compliance.

Sr. Loss Analyst

PNC Mortgage
Dayton, OH
09.2013 - 09.2016
  • Reconciled and calculates loss for loans in default and identifies cause of the unclaimed and denied amounts
  • Performed loss analysis and audit on all retention and liquidations loans in accordance with internal and external controls to mitigate risk
  • Escalated findings to LOBs when discrepancies occur to minimize future risk and develop training for all regulatory items
  • Evaluated audits performed by peers on the various investors to ensure accuracy, quality, completeness and adherence to policies and procedures.

Loan Support Specialist III

PNC Mortgage
Dayton, OH
10.2011 - 09.2013
  • Managed reports on payment rejections for aged Bankruptcy accounts for regulatory risks
  • Conducted monthly targeted loan testing, compiled data and issued reports based on the findings
  • Performed HMDA LAR data collection for funded, denied and cancelled loans
  • Updated Standard Operating Procedures based on updated legislation regarding Bankruptcy laws.

Third Party Foreclosure Specialist

PNC Mortgage
Cleveland, OH
07.2010 - 10.2011
  • Performed equity analysis on homes in review for bank recovery
  • Assisted legal department in obtaining proceeds from foreclosure sales
  • Saved PNC 5.1 million dollars over 12 month span in potential loss.

Default Team Lead

PNC Mortgage
Cleveland, OH
02.2009 - 07.2010
  • Developed SOPs and supported team with regulatory testing for FDCPA and UDAAP as well as other applicable state, federal and investor regulations
  • Organized strategies for increased production
  • Assisted team members with questions, training and monthly coaching sessions.

Education

Bachelor of Arts and Science - undefined

University of Dayton
Current

<ul><li>PNC Mortgage</li><li>Leadership Training</li></ul> - undefined

2023

3rd quarter sales for - undefined

2022

<ul><li>PNC Mortgage</li><li>Nominated for Corporate</li></ul> - undefined

2014

Timeline

Risk Analyst

Guided Insurance Solutions
07.2022 - Current

Loan Officer

Liberty Home Mortgage
12.2021 - 07.2022

Loan Officer

Reliance First Capital
12.2019 - 12.2021

Executive Client Relations Lead

PNC Mortgage
09.2016 - 12.2019

Sr. Loss Analyst

PNC Mortgage
09.2013 - 09.2016

Loan Support Specialist III

PNC Mortgage
10.2011 - 09.2013

Third Party Foreclosure Specialist

PNC Mortgage
07.2010 - 10.2011

Default Team Lead

PNC Mortgage
02.2009 - 07.2010

Bachelor of Arts and Science - undefined

University of Dayton

<ul><li>PNC Mortgage</li><li>Leadership Training</li></ul> - undefined

3rd quarter sales for - undefined

<ul><li>PNC Mortgage</li><li>Nominated for Corporate</li></ul> - undefined

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Vaughan D. Kiersten D. West Troutman