As a results-oriented individual, I am adaptable towards challenging environments, lead with transparency and integrity when developing, and implementing procedures that measure financial and operational data.
Responsible for the transaction management of mortgage-backed securities following Fannie Mae, Freddie Mac, and Ginnie Mae product guidelines.
Collaborated with cross-functional departments to identify, resolve, and track post-closing delivery delays due to discrepancies, missing data, investor exception delays, and post-fund corrections.
Verified trades to ensure accuracy, reconciled with traders and business partners, provided loan-level analysis reports, wire payment initiations, deliverables, and ad-hoc reporting for process and efficiency improvement.
Created and provided weekly and monthly forecast of delivery analysis in collaboration with cross departments for leadership decision making purposes.
Reduced aged portfolio by 30% within six months by identifying and resolving saleable issues impacting hedging; Concurrently, increased Delivery portfolio.
Reviewed loan details, loan approval, and investor product guidelines for generation and collection of mortgage closing documents – Conventional, FHA, VA
Collaborated with departments involving Lock Desk, Underwriting, Product Guidelines, and Leadership to resolve Pricing, QM and or AUS discrepancies.
Daily reconciliation and facilitation of loan closings, fees, and wire fundings with business partners.
Maintained constant pipeline reporting identifying loan progression accessible to Account Executives and Management.
Verified mortgage loan documents registered by Brokers and Correspondent Lenders.
Problem solved loan issues regarding Qualified-Mortgage (QM) calculation thresholds and discrepancies with Automatic Underwriting System (AUS) findings from Loan Prospector (LP) and Desktop Underwriter (DU).
Created and provided tracking reporting, training material, including FHA/VA liaison.
Assisted 401k participants with funding options, building portfolios, and providing additional company services.