Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Veronica Grant-Whitfield

Southfield,MI

Summary

Experienced professional in mortgage and consumer lending compliance with a proven track record of organizational success. Proficient in deploying thorough compliance frameworks, overseeing audit deliverables, and nurturing a culture of regulatory adherence. Recognized for skillfully mitigating risks to drive organizational achievements.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Consumer Loan Analyst

Comerica Bank
11.2015 - 02.2024
  • Review loan documentation and information contained in the loan origination system prior to closing for consumer loan transactions, ensuring strict adherence to internal procedures and regulatory requirements such as Reg B and Equal Credit Opportunity Act regulations
  • Coach operations staff on procedural and regulatory errors by returning loans to their queue in the consumer loan origination system with detailed remarks explaining required corrections
  • Monthly analysis of loan documentation and information contained in the loan origination system for closed mortgage and consumer loans to determine whether HMDA (Home Mortgage Disclosure Act) reportable data is accurate and compliance with FFIEC (Federal Financial Institutions Examination Council) regulatory guidelines
  • HMDA errors corrected on the Loan Application Register spreadsheet and in Questsoft HMDA data reporting software
  • Complete monthly reviews of flood insurance documentation for closed loans including flood insurance, flood determinations and Notice of Special Flood Hazard to ensure compliance with interagency flood insurance guidelines
  • Report errors to management monthly to help mitigate risk and ensure future compliance
  • Manage the MERS (Mortgage Electronic Registration System) servicing and monitoring activities, including resolving ad hoc servicing requests, monthly data reconciliation process, and overseeing external audit requests for a pipeline of 1,000 mortgage loans
  • Monitor a portfolio of over $1,000,000 in personal secured loans, ensuring monthly reports are reviewed for accuracy of collateral hold placements to mitigate risk for Comerica
  • 0 in losses year to date due to successful portfolio monitoring.

HMDA Mortgage Lending Analyst

University Bank
08.2013 - 10.2015
  • Detected and rectified errors within HMDA data for reportable loans on a monthly basis, ensuring adherence to FFIEC reporting standards
  • Communicated identified HMDA data discrepancies to relevant operations personnel, facilitating prompt corrections and ongoing compliance
  • Generated monthly error analyses for managerial review, emphasizing actionable insights and recommended remedies
  • Devised streamlined protocols for evaluating flood insurance quality and reporting
  • Oversaw the resolution of flood insurance deficiencies, maintaining regulatory adherence.

Education

Associate of Applied Science - Paralegal studies

Oakland Community College
Bloomfield Hills
04.2025

Skills

  • Regulatory compliance
  • Process Improvements
  • MS Excel
  • Issue Identification
  • Audit Support
  • Process Improvement
  • Issue Research
  • Analytical Thinking

Certification

  • MORTGAGE LENDING Compliance | ABA
  • LENDING COMPLIANCE CORE CONCEPTS| ABA

Timeline

Consumer Loan Analyst

Comerica Bank
11.2015 - 02.2024

HMDA Mortgage Lending Analyst

University Bank
08.2013 - 10.2015

Associate of Applied Science - Paralegal studies

Oakland Community College

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Veronica Grant-Whitfield