Description
Summary of Qualifications Twenty years of mortgage experience: * Mortgage Analyst - Compliance and mortgage repurchase rebuttals * HMDA, CRA and RESPA Compliance * Underwriting Team Manager * Project Manager - Due Diligence and Compliance * Manager of Recruiting and Training - mortgage due diligence * Assistant Trade Manager (Contractor) - Capital Markets Group * Underwriting Consultant - Fannie-Mae Buy Back Forensic Audits * FHLB Boston - Collateral audits * Senior Frontline Underwriter * Former Broker/Owner - CA mortgage and real estate company Performed Assignment with NewOak Capital in Irvine, CA. Performed audits on closed loans for legal defense team representing lenders (defendants) being sued by investors (plaintiffs) alleging they were sold mortgages that were improperly underwritten and which contained deficiencies that caused defaults. Performed affirmative reviews to re-underwrite mortgages and document facts to refute plaintiff's allegations. Wrote rebuttals utilizing legal templates developed by the defense attorneys to maintain consistency and legal correctness in responses. Supported defense findings with references to underwriting guidelines, documentation citings, recalculations, and summary conclusions. Ongoing contract work as needed and when available. Jay Hare Page- 2 Compliance Analyst FIS Global compliance audits on the client's loan portfolio to determine compliance with RESPA guidelines. Comparisons were made between GFE and final HUD-1 to calculate differences in fees and whether re-disclosures were properly made when prompted by change of circumstance in the loan terms and fees. Also performed HMDA compliance reviews to prepare for government reports due March 2015.
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