Fraud Prevention Quality Control
Resume:
UNYAA L. MACON
ad74m3@r.postjobfree.com
OBJECTIVE: FULL TIME POSITION UTILIZING MY KNOWLEDGE, TRAINING AND POTENTIAL TO THE HIGHEST DEGREE IN A CHALLENGING GROWING ORGANIZATION.
EMPLOYMENT HISTORY
Sovereign Lending Group
Costa Mesa, CA
Underwriter Supervisor/Lead Underwriter/Underwriter III (VA, FHA) 3/19 - 6/22
Underwrite according to VA including NOV’s and IRRRLS, FHA, FNMA and FHLMC DU systems and guidelines. Reviewed appraisals to determine if value was supported, also reviewed the credit, income, title, and assets to comply with guidelines. Worked daily with fraud prevention tools and Encompass. Supervised the underwriting team., Trained, 2nd signed new underwriters. Managed daily production. Assist wherever I could to maintain a productive, on time, and efficient team. Cash Call Orange, CA
DE Underwriter 3/16 – 8/18
Staff Underwriter 6/14 – 8/15
11/12 – 9/13
Underwrite according to FHA, FNMA and FHLMC DU systems. Reviewed appraisals to determine if value was supported, also reviewed the credit, income, title, and assets to comply with guidelines. I also underwrote specialty products such as jumbo’s and 2nds. Worked daily with fraud prevention tools; Loansafe, Real Quest, LSAM, Lexisnexis, and OFAC and Empower. AAG Anaheim, CA
DE Underwriter II 8/15 – 3/16
Responsible for underwriting files and establishing conditions to meet both FHA and AAG guidelines. Ability to make timely, accurate decisions on all FHA transactions. Evaluate risk and ensure quality of each loan. Communicate requirements and/or decisions on all loan files. Responsible for reviewing all areas of the mortgage loan to ensure accuracy, completeness and compliance with internal and regulatory guidelines, including but not limited to Application, Title, Appraisal, Assets, Credit, Condominium information, and income. Responsible for clear and concise communication to appropriate parties including but not limited to the processing department on items needed to prepare a loan for closing and FHA insuring. Partners with processing to close loans in a timely efficient manner. Performs other related duties as assigned. Adheres to service level agreements and prioritizes workflow in accordance to CTC Files and new files. Maintain quality control standards while maintaining production standards by company's definition. Assist in identifying, recommending and/or negotiating alternative loan documentation requirements. Randstad/Promontory Orange, CA
Auditor I 11/11 – 11/12
Assess default mortgage servicing files to determine if all required loss mitigation activities were handled and documented in accordance with required processes and procedures. Evaluate whether foreclosed loans were processed according to HAMP, FHA, VA, FNMA, FHLMC & proprietary program modification guidelines. QA and closed case review. Review underwriting and entire documented loan histories to determine whether any identifiable errors or deficiencies resulted in financial injury to the borrower. Open Systems Financial /Bank of America CA, NY
Underwriter III/Auditor III 1/11- 3/11
Respond to files that company’s want banks to repurchase. Conduct file audits to ensure quality control. Need to be flexible for learning new guidelines and to work on different systems for each new assignment. Monavie Upland, CA
Sales Representative 3/08 – 11/12
Monavie sells a whole food acai berry drink. Initial research suggests that drinking four ounces of Monavie Active on a daily basis may enhance your body’s antioxidant activity to help fight free radicals. In fact, four ounces of Monavie Active feature an antioxidant capacity (ORAC value) equivalent to approximately 13 servings of common fruits and vegetables. I share the knowledge of these products and information on how to be a sales representative through presentations.
Shearson Home Loans Irvine, CA
Operations Manager 1/07 - 4/07
Made sure every position kept to a 24 hour turn time. Train new employees. Reviewed guidelines and products from potential new investors. Multi-state lending. Used different investors AU systems to submit loans. Also underwrote and signed off conditions when needed. Worked daily with Datatrac, Point, and Doc Magic. Signing authority seven hundred and fifty thousand. Supervised seven employees. UNYAA MACON PAGE 2
Resmae Mortgage Brea, CA
Area Credit Manager 5/05 - 1/07
Load balance files with underwriters to stay within a 24 - 48 hour turn time. Train new employees; set-up, funder’s, underwriter 1 & 2's. Work closely with AE’s; Scenario calls, guidelines, and broker maintenance. Manage AE pipelines to make sure files were moving quickly through the process. Improving on processes to save time. Multi-state lending. Signing authority seven hundred and fifty thousand. Supervised ten team members JP Morgan Chase Diamond Bar, CA
SR Underwriter 9/99 - 5/05
Review files for credit worthiness, prioritize workload, scenario calls, customer service, problem solving, orientation and second sign for new underwriters. Multi-state lending. 1st and 2nds, jumbo loans, construction to perm, small mixed use and manufactured homes. Worked on several committees to streamline the operation process, customer service and to better improve our working systems. Was sent by corporate to train new operation center in San Ramon. I was one of Chase's top producers. Signing authority three hundred and twenty thousand. Aames Capital Correspondent Lending LA, CA
SR Underwriter Team Lead 10/97 - 9/99
Review files for credit worthiness for both flow and closed loans. Multi-state lending. Orientates, train and second sign new underwriters. Performed pre-sale due diligence. Signing authority one million dollars. Supervised 6 team members. First Colony Financial Group LA, CA
SR Underwriter Team Lead 4/97 - 10/97
Review files for credit worthiness, prioritize workload for the team, scenario calls, customer service, problem solving. Second sign and train new underwriters. 125’s and multi-state lending. Conduct file audits for pre- sale due diligence. Supervised 5 team members. Clayton, RPI, Mort. Portfolio strategies, and several other contract co’s CA, NY, TX Underwriter/Due Diligence Portfolio Analysis 9/96 - 4/97 Conduct file audit’s A-D paper to ensure quality control. Performed pre-sale due diligence for several lenders. Need to be flexible for learning new guidelines and to work on different systems for each new assignment. Bonded Home Loans and Savings Mortgage Corp. LA, CA Loan Service/Foreclosure/Bankruptcy Manager 7/93 - 8/96 Process pay-offs, short pay-offs, subordinations, assignments, lender and borrower annual accounting, and release private lender checks. Handle complaints, train new employees, supervise and maintain quality control. Sign Checks and corporate documents. Fully knowledgeable of the complete NON-Judicial foreclosure and bankruptcy process. Manager of three departments and a total of 20 employees. Fifco Investment Management Corp. and Uruzco, Inc. LA, CA Loan Service/Foreclosure Manager 2/90 - 6/93
Process pay-offs, short pay-offs, subordinations, assignments, lender and borrower annual accounting, and release private lender checks. Handle complaints, train new employees, supervise and maintain quality control. Fully knowledgeable of the complete NON-Judicial foreclosure process; DOD substitution of trustee, NOD, 10 and 30 day notices, notice of trustee sale, date downs, trustee’s deed upon sale, rescissions, and reconveyances. Manager of two departments and a total of 8 to 10 employees. EDUCATION
West Los Angeles College, Culver City, CA
Business and related courses; Real Estate Principles, Real Estate Appraisal, Legal Aspects of RE Law, Real Estate Economics, Real Estate Financing. TECHNICAL SUMMARY
Highly knowledgeable with most automated office equipment, extremely dependable, great people skills, and reliable supervisory capabilities. Work daily with Empower, Encompass, Integra, outlook, windows XP, and have also worked with TMO, Net Oxygen, Gallagher, Lotus Notes, Microsoft Word and various other programs. I’m a fast learner and a hard worker.
REFERENCES AVAILABLE UPON REQUEST
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