Huntersville, North Carolina, United States
I am a highly experienced professional with a diverse background in mortgage loan closings, legal assistance, quality control reviewing, and mortgage loan servicing auditing. I have a strong focus on compliance and accuracy, with expertise in auditing mortgage servicing records and prefunding mortgage applications. I have excellent written and oral communication skills, along with proficiency in Microsoft Word, Excel, and Outlook and ACES. She is interested in roles such as Fraud Analyst, Transaction Processing Associate, Associate Quality Assurance Analyst, and Mortgage Consultant. I am open to remote work opportunities, and I am located in Charlotte (Huntersville), NC, USA.
Audited mortgage servicing records for compliance with FHA, FNMA and FHLMC requirements including MIP/PMI Billing, Customer Servicing conversations with borrowers, Payment Processing, Paid in Full mortgages, and Servicing Transfer records. Audited Prefunding mortgage applications and documents for completeness, fact checking borrower’s information on various financial documents, i.e. bank statements, income tax returns, W-2’s and paystubs for inconsistencies.
Responsibilities include reviewing programs specific to FHA processes, claims, documentation and/or files to ensure accuracy and compliance with internal company requirements and/or agency or government regulations
Reviewed customer service agent conversations with customers for critical/personal information and redacted same.
Reviewed mortgage information for financial institution, made corrections, documented same and returned information to the lender.
- Reviewed and documented foreclosure timeline delays; - Provided an accurate picture of the loan file status as it related to loss mitigation activities; - Worked to reduce or eliminate compensatory fees assessed to the bank; - Provided insight on the status of seriously delinquent loans to prevent future repurchase requests.
- Performed quality audits for custtomer/third party response letters generated by Bank of America's Customer Advocate groups - Verified research and confirmed all customer issues were addressed and a solid resolution was provided to in response letters to customers - Met a daily production goal and maintained a 97% post close audit pass score