A detail oriented financial services professional with years of Mortgage Banking experience, Underwriting and Servicing Compliance Review, HMDA Audits, Forensic and Quality Control Review. Has thorough understanding of Default Servicing Operations (Bankruptcy, Foreclosures, FHA/VA Conveyances, REO Marketing, and MI Claims) and Mortgage Origination Processing. Relationship builder adept at promoting customer service excellence and sound knowledge of operational side of the mortgage industry. Compliance Review B. GSE Servicing Compliance C. Fraud Investigation D. Repurchase Analysis D. Forensic Review E. Rebuttals and Risk Assessments F. Underwriting to Freddie Mac and Fannie Mae Guidelines. Caliber Home Loans Mortgage banking company that engaged in servicing residential mortgage loans services include securitization, servicing, and default management. Senior QC Analyst - November 2015 to June 2018 * Underwrite post purchase transactions for compliance with underwriting guidelines * Review, respond and attempt to cure all deficiencies resulting from GSE, agency and other reviews * Deliver complete files to GSE, Agency and other requestors * Perform analysis of and facilitate resolution of all doc deficiencies to improve performance and demand * Facilitate repurchase/recourse when rescission is not possible * Have an effective feedback loop and action plan for operations to improve performance * Effective resolution of counterparty breach and recourse * Fraud Investigation Freddie Mac Corporation A publicly traded company that is one of the largest sources of mortgage financing in the United States and a leader in the nation's efforts to keep families in their homes and stabilize the housing market. Customer Contact Manager- March 2013 to August 2015 * Managed the inflow and outflow of repurchase demands and accurately maintained and tracked all demands for both servicing and organizations. * Managed repurchase appeal email box and determined appropriate assignments for the repurchase team and ensured data is accurately maintained. * Managed suspicious activity report, comprehensive risk underwriting with emphasis on identifying, analyzing and documenting material findings via forensic review of core loan documents, lenders contract and representations and warranties. * Performed extensive analysis of financial statements to detect any patterns or trends that present illegal activities or frauds. * Quality Assurance of all SARS before submission to legal for action. * Perform MI (Mortgage Insurance) QC on loans in accordance with all credit and product policies including manual & automated underwriting systems. * Managed a team responsible for reviewing over 100 files monthly with 30 days turnaround time. * Analyzed appeals by re-underwriting credit and disclosure documents per lender guidelines to determine appropriate loss and recovered over $30 million annually. * Managed review of property report and tax searches for collateral issues. * Manage relationship with various internal groups and counterparts at other financial institutions and vendors to facilitate effectiveness in the position. Repurchase/Customer relations Manager May 2009 to February 2013 Managed the audit of loan files to determine potential underwriting findings had daily contact with customers to resolve potential issues and concerns. * Managed detailed analysis of mortgage loans to determine potential repurchase claims due to noncompliance with servicing, underwriting guidelines and representations and warranties. * Approved written rationale supporting recommendation to pursue repurchase, recovery of over $80 million annually. * Maintained 30 days turn around on appeal review, decision and letter publication. * Managed review of title report, Property Appraisals, BPOs and Property Inspection Reports for servicing errors. Victor I. Madugba imadugba@aol.com Phone: 214-755-7454 https://www.linkedin.com/pub/victor-madugba/12/7a/806 Sr. Repurchase Analyst June 2007 to April 2009 * Analyzed repurchase request to determine best actions. * Analyze MI and Hazard requests for appropriate actions. * Drafted repurchase letters that detailed rationale for claim. * Reviewed appeal from servicers and analyzed their rationales to determine appropriate action.

Highlights:

• Compliance
• Fraud
• Quality
• Quality Assurance
• Quality Control
• Banking Industry
• Management
• Mortgage Loans
• Securitization
• Services