Mortgage Analyst Resume Samples
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Mortgage Analyst Resume Samples
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ER
E Ritchie
Erica
Ritchie
4256 Lois Cliff
New York
NY
+1 (555) 496 2210
4256 Lois Cliff
New York
NY
Phone
p
+1 (555) 496 2210
Experience
Experience
Boston, MA
Mortgage Analyst
Boston, MA
Bednar Inc
Boston, MA
Mortgage Analyst
- Monitor performance and pricing levels of existing holdings relative to expectations and economic trends
- Support marketing and client service initiatives including client presentations and preparing topical articles
- Comparing the loan closing information on the HUD statement to the information included in the various Accounting, Production and Servicing systems
- Help to identify investment opportunities within the RMBS sector, evaluating, on both a fundamental and relative value basis, the risks of the individual securities
- Auditing the interest and escrow funds for loan. These funds are compared to the amounts set up in the servicing system
- Help set strategy for testing, running, and presenting output from third party models
- Analyze historical GSE loan level information and summarize frequencies / severities / losses by cohort and combine with other data sources to help risk takers understand drivers of frequency, severity, and final losses of GSE risk transfer
Philadelphia, PA
Mortgage Servicing Loss Mitigation Analyst
Philadelphia, PA
Huels Group
Philadelphia, PA
Mortgage Servicing Loss Mitigation Analyst
- Promotes our culture by living-out the cultural pillars (People, Integrity, Partnership, Teamwork, and Fun) on a daily basis
- 6. Assists with collections, bankruptcy, and foreclosure areas
- Assists with collections, bankruptcy, and foreclosure areas
- Oversees preparation of all necessary documents
- Maintains current industry knowledge and regulations by completing training sessions as scheduled
- Aids leader in handling problem calls from borrowers
- Insures accurate reporting to investors, guarantors, and credit repositories.
present
Houston, TX
Mortgage Lending Policy & Procedure Analyst
Houston, TX
Skiles-Koch
present
Houston, TX
Mortgage Lending Policy & Procedure Analyst
present
- Lead work groups which support overall project implementation
- Build predictive models of loss mitigation workout options based on historical results
- Collaborate with the Enterprise Policy Governance Officers and Corporate Compliance to effectively and efficiently respond to regulatory and industry changes that impact Bank policy
- Report to the MLA Change Control and Policy Procedure Manager on all policy developments and revisions
- Interact with various departments throughout MLA in the development of standards, guidelines and procedures that are consistent with the governing Bank policies
- Pull various data elements of the mortgage from the Servicing System and identify any gaps in the hand-offs between Loss Mitigation, Bankruptcy, Collections and Foreclosure which would delay the final disposition of the property and increase risk of loss and turn any gaps into projects
- Draft and edit general policies and procedures, serving as a resource to the MLA department managers for policy and procedure development
Education
Education
Bachelor’s Degree in Business
Bachelor’s Degree in Business
James Madison University
Bachelor’s Degree in Business
Skills
Skills
- Strong attention to detail
- Knowledge of Mortgage products, regulations and policies
- Great interpersonal skills
- Highly organized
- Solid analytical and research skills
- Excellent communication skills (written and verbal)
- 3+ years’ in analysis
- Experience with third party vendor / outsourcing servicing
- 3+ years of Mortgage Industry experience
- Private Banking / Wealth Management expertise
15 Mortgage Analyst resume templates
Read our complete resume writing guides
1
Global Markets Quant Analyst Mortgage Analysis Resume Examples & Samples
- Strong quant modeling, knowledge of multi asset pricing techniques, communication, & programming experience are a must
- Proven experience in applying advanced mathematics, finance and computer technology to finance
- Must have very strong technology skills with a proven track record of delivering complex technology projects
- Strong financial mathematics skills
- Strong interpersonal and communication skills (verbal and written)
- Master’s required – PhD strongly preferred
2
Risk Analyst, Avp-mortgage Banking Resume Examples & Samples
- Provide reporting & monitoring of risks for Executive Risk Committee & various operational forums
- Co-ordinate the aggregation of key risk & quality metrics for a weekly operations meetings and monthly risk report packages
- Monitor & track portfolio performance of key Mortgage Banking products & markets
- Query & gather data from various sources such as Enterprise Data warehouse, analyze the data and present results to management
- Develop working relationship and partnerships with internal Risk groups, Operations, Finance & Underwriting
- Prepare ad-hoc presentations for senior management & other duties as assigned
- Provide technical reporting and analytical support to QA Units and assist in the creation of new reports
- BA/BS degree required, MBA or Master's level qualification or in pursuit, preferred
- Knowledge of risk management principles and at least 1 year experience with financial industry preferred
- Strong data mining & analytical skills required
- Strong overall mathematical skills with financial analysis preferred
- Proficient in Microsoft products (PowerPoint, Excel, etc.)
- Self motivated and comfortable working with large amounts of data & information
- Flexibility and ability to work in a fast-paced environment to effectively meet deadlines
- SQL and Oracle experience preferred
3
Mortgage Appraisal Analyst Resume Examples & Samples
- Minimum of 4+ years of mortgage or consumer loan underwriting experience and 3 years of continuous appraisal review experience
- Thorough understanding of appraisal compliance and generally accepted appraisal rules as well as extensive experience using appraisal and market evaluation tools is required
- Will be responsible for reviewing complex appraisals including those defined as high risk
- May be required to assist in the training of less experienced analysts
- Eligible to manage or perfomr loan origination or servicing functions under Mortgage Investor or government agency guideline requirements
- Retirement Plan 401k with matching
4
Securities, Ficc, Mortgage Strats, Analyst Resume Examples & Samples
- Development and calibration of models related to European residential mortgage securities
- Development of analytical tools, risk analytics and infrastructure to help the trading desk with flow business trading in asset backed securities
- Strong academic background including a MSc in Finance
- Academic mathematics experience, including, statistics, actuarial, stochastic processes, financial analysis, and probability theory
- Minimum 1 years’ experience within an C++ development role within investment banking or similar field
- Proven experience working with the challenges of a dynamic business
- Professional fluency in English and German and/or Spanish as a minimum
- A willingness to roll their sleeves up and solve practical problems on the desk day to day
- Delivery focused, with keen attention to detail
5
Mortgage Banking P&L Analyst Resume Examples & Samples
- Support organizational compliance with risk policies through regular P&L attribution measurement, monitoring, and reporting
- Perform daily P&L attribution analysis to identify major factors driving observed changes in P&L
- Research and communicate deviations of actual versus predicted P&L
- Coordinate with SAM & MSRHG on research and analysis of factors influencing valuations
- Support control functions related to providing independent oversight and transparent reporting
- Prepare reports for various parties in the organization including the Finance, Market Risk, and Capital Markets departments and various committees
- Support MSR model performance monitoring and communicate irregularities or changes in variability
- Streamline reporting by creating efficient and transparent processes and procedures
- · 2+ years mortgage banking experience (preferably with MSR)
- · Experience in capital markets with knowledge of fixed income pricing concepts and hedging techniques
- · Strong computer/modeling skills with experience in Excel, VBA, and SQL
- · Experience with Mortgage and MSR valuation systems; QRM SV and/or QRM MB experience preferred
- · CFA/FRM certification preferred
- · Bachelor’s degree required (finance, economics, or accounting preferred)
6
Home Mortgage Disclosure Act Analyst Resume Examples & Samples
- Strong understanding of established process analysis and improvement tools and methodologies. Proficient in using tools to analyze, recommend, implement and reports and provide analysis to management team
- Proficiency in data planning, gathering, collection, mapping, analysis and presentation activities. Ability to propose process improvements based on data and fact rather than subjective analysis
- Familiar with Mortgage Operations terminology and tools
- Strong teamwork and team leadership skills. Ability to work effectively with project team during larger projects to ensure the project objectives are achieved
- Strong negotiation, presentation and communication skills. Ability to apply share and transfer highly specialized knowledge and train others on new processes and policies
- Ability to manage and resolve conflict
- High tolerance for and focused approach to resolving ambiguities
7
Mortgage Servicing Risk Analyst Resume Examples & Samples
- Three to five years of experience in an applicable risk management environment
- Applicable professional certifications
- Thorough knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
- Thorough understanding of the business line’s operations, products/services, systems, and associated risks/controls
- Thorough knowledge of Risk/Compliance/Audit competencies
- Strong process facilitation, project management, and analytical skills
- Must possess business acumen and credibility to help business line(s) proactively identify and address changing workforce needs
8
Mortgage Risk Analyst Team Leader Resume Examples & Samples
- Supervise of a team of risk analysts. Recommends and executes employee actions, conduct performance reviews, manage career development for opportunities for their team
- Execute a testing program to monitor compliance with federal banking regulations including , but not limited to ECOA, RESPA, TILA, HMDA, and flood
- Execute a testing program to identify operational control weaknesses
- Execute “Quality Assurance Program for consumer mortgages which includes transactional credit testing relative to early payment default, compliance to KeyBank credit policy and Fannie and Freddie Mae guidelines
- Ensure timely, accurate and appropriate testing and documentation, Summarize and report results
- Determine programs overall testing strategies., Compliance and operational testing under the GRC program
- Interact with examiners as a subject matter expert on line of business internal controls and research and respond to internal audit and regulatory examiner findings
- Maintain the library of risks, controls and testing within GRC system
- Author KeyBank Mortgage’s quarterly risk profile
- Provide review and oversight of the appraisal management vendor and administer the appraisal review process to ensure compliant and quality appraisals
- Appropriately raise and/or escalate problems and issues to management
- Recommend efficient and effective processes for managing risk
- Interact with senior level management within Key Bank and third parties in order to communicate and sell/difficult concepts/issues as appropriate
- Monitor functions and analysis necessary to investigate matters of fraud.Assist with quality risk reviews with investor/private mortgage insurance companies
- Minimal of five years experience in consumer lending compliance, mortgage lending , legal, QC, risk management , financial or audit area
- Strong working knowledge of AML/BSA, Privacy, ECOA (Regulation B), HMDA (Regulation C), RESPA (Regulation X), TILA (Regulation Z), Regulation DD, E , CC, Gramm-Leach/Bliley Act, FCRA and FACT, Fair Housing and Lending, OFAC/Patriot Act/Anti-Money Laundering and other related federal laws
- Strong understanding of mortgage lending including underwriting , operations and mortgage compliance
- Strong knowledge of USPAP standards and appraisal practices
- Strong working knowledge of SOX compliance
- Possess detailed knowledge of assigned products, consumer finance lending (mortgage loans, home equity, Marine/RV, personal loans, deposits products, student loans) and loan servicing, as well as regulatory compliance issues affecting those areas
- Ability to work and accomplish goals with minimal supervision
- Ability to multi-task and manage competing priorities
- Proven track record of meeting performance
- Diverse understanding of the environment affecting lending activities
- Technical knowledge of regulatory, federal and state requirements, which relate to real estate lending
- Strong oral and written communications skills; good presentation skill
9
Mortgage Lending Loss Mitigation Project Analyst Resume Examples & Samples
- Perform consistent decisions using varied income documentation, credit bureau reports and multiple systems of record; Fixed income, self-employed, complex financial structures, multiple rental properties/businesses documented using standard IRS income tax schedules, FHLMC Form 91, FNMA Form 1084
- Proficient with debt to income ratio requirements (FHLMC, FNMA and Government -insured loans)
- Effectively identify and change the resulting policies and procedures impacted by project implementation
- Perform in a fast-paced production environment to comply with loss mitigation CFPB timeline requirements and internal service level agreements
- Demonstrate exceptional written and verbal communication and organization
- Conflict Management and resulution skills
- Review any industry trends or changes delivered by investors, insurers or government regulatory bodies
- Bachelor's degree in business or finance and / or equivalent educaton and related traning
- 5 years of experience in Mortgage, preferably in loss mitigation underwriting and/or quality assurance roles
10
Mortgage Credit Analyst Be Part of Macquarie s Expanding Mortgage Business Resume Examples & Samples
- Outstanding communication skills and a strong client focus
- Strong analytical problem solving skills and a commercial mindset
- A focus on continuous process improvement and excellence; and
11
Mortgage Lending Change Control Analyst Resume Examples & Samples
- Provide support to the Change Control and Policy and Procedure Manager throughout the change control process
- Develop and complete documentation to track change requests from initiation through post-implementation. Prepare reports of change control activity and present to the Change Control and Policy Procedure Manager
- Assist Mortgage Lending departments throughout the change control process. Provide timely feedback to the line of business (LOB) regarding any missing information needed in order to proceed or complete a change request. Develop a feedback mechanism to ensure training and validations are completed for all policy, procedure, and process change requests
- Develop a periodic review process for all written client communications governed by mortgage regulations. Implement a tracking and documentation system, as well as an approval process with Compliance and Legal for all regulatory written communications
- Provide feedback and input regarding written communication content to the LOB
- Complete the written client communication periodic updates for all areas of Mortgage Lending Administration (MLA)
- Follow-up with the policy and procedure development team to ensure policy/procedure request updates are completed in a timely manner
- Support training around new written communications
- Bachelor’s degree, preferably in a business-related field, or equivalent education and related training
- Two years of relevant work experience in the financial industry
- Superior organizational skills
- Strong analysis and problem-solving skills
- Ability to work independently; drive, initiative, and energy to begin and complete assignments
- Excellent presentation skills; ability to clearly summarize complex issues
- Strong interpersonal skills, including the ability to thrive in a team-based setting
- Ability to build and maintain strong relationships
- Mortgage operations experience
- Ability and desire to learn new skills and broaden industry expertise
12
Senior Mortgage Developer / Analyst Resume Examples & Samples
- Work closely with research and trading desks to capture requirements and provide ad-hoc security analysis. This includes the construction of very complex SQL queries, calculating prepayment speeds, generating cash-flows, calculating loan level delinquencies, prepayments, defaults, and stratifications
- Construct complex SQL queries to pull and aggregate data from Sybase and SQL Server database repositories containing over 7 terabytes of data
- Manage the Non-Agency/Agency monthly production cycles which includes data boarding, quality control, batch jobs monitoring, and report distribution. Long hours are required on the 4th and 25th business days of the month
- Investigate data quality issues and provide remedy expeditiously
- Support price/cashflow calculators based on Intex CMOSUBS API
- Build data tools, OLAP cubes, middle tier components to facilitate and simplify data access
- Extensive C#, C++, VBA, Perl, SQL
- Extensive MS SQL Server & Sybase DBA skills
- Windows & Unix expertise
- Knowledge of Autosys & Web development (ASP.NET/Silverlight) is a plus
- Knowledge of SSIS/SSAS is a plus
- Must have worked with Agency pool factors (Freddie/Fannie/Ginnie) & Non-Agency loan level data from vendors like CoreLogic, eMBS, SIAC, 1010data, McDash, etc
- In-depth knowledge of Intex CMOSUBS & mortgage math
- Experience calculating CPR, CDR, Severities, cashflows, and loan stratifications
- Understands Agency factors cycles, CMOs, ReRemics, Pass-throughs, MEGAs, Giants, Platinums
13
Mortgage Business Systems Analyst Resume Examples & Samples
- Work with management and developers to implement approved designs
- Write clear, concise, thorough, detailed UI requirements
- Work with development team to manage implementation of proposals from requirements sign-off through Development & QA cycles to production
- Advocate usability standards and customer experience in all areas
- Work with cross functional teams to conduct usability testing and inspections
- Assist in development of techniques to conduct user centered research: focus groups, observations, and interviews
- Assist in development of aesthetic standards for all applications
- Work directly with customers to define requirements, test completed products, perform user acceptance testing (UAT), and coordinate beta program for designated projects
- Responsible for testing on all assigned projects to ensure that finished product meets all of the requirements outlined during design phase
- Prepare documentation for internal programs, includes creating training programs and documentation to be used to launch new product or feature across organization
- Prepare documentation for external customers, includes quick reference guides, user / help documentation, training programs, etc
14
Credit Risk Management Mortgage Analyst Resume Examples & Samples
- Provide timely analysis of mortgage portfolio metrics
- Assist in generating reports pertaining to Morgan Stanley Home Loan’s risk profile
- Analyze and review the accuracy, consistency and appropriateness of data provided and research extraordinary items
- Provide input to Credit Policy Team (CPT) on policies and procedures
- Participate in monthly Loan Quality Review (LQR) as required including preparation and validation of FAS 114 credits
- Perform ad hoc analysis as directed by group head
- Detail oriented with strong credit analytical skills
- Knowledge of Financial Institutions and Residential Mortgage Banking
- Possess excellent oral and written communication skills
- Ability to multi task and meet deadlines
- Bachelor’s Degree required; MBA or advanced degree in quantitative discipline preferred
- Minimum 1-3 years of experience
15
Mortgage Lending Production Project Analyst Resume Examples & Samples
- Work with Mortgage Lending (ML) Production Manager(s) to identify critical process areas in need of study and improvement
- Use readily available continuous quality improvement tools and techniques to provide analysis of operational issues and constraints
- Develop schedules and controls to ensure timely identification, analysis, planning, and implementation of project initiatives, changes and enhancements within ML Production Administration
- Assist in communication and other designated initiatives to support ML projects
- Create and manage appropriate systems designed to improve the delivery of ML tools and communications
- Utilize project management processes, tools and systems to assist Production Project Managers with timely project completion, communication and delivery
- Bachelor's degree in Business or equivalent education and related training
- One year of job-related experience
- Ability to coordinate the activities of individuals outside own reporting chain
- Ability to handle multiple tasks simultaneously
- One year of mortgage lending experience
- Experience with Microsoft Project or equivalent project management software
- Certification in project management
- Prior experience in project management
- Experience in group facilitation
16
Mortgage Lending Complaint Analyst Resume Examples & Samples
- Support implementation of Mortgage Complaint Management system, and coordinate the consolidation of complaint issues and information for presentation to management, regulatory agencies, internal audit or any third-party reviewer
- Work with technical experts to build portfolio reports and analysis, including complaints tracking, trending, root causes, remediation, remediation testing, and process improvement
- Provide “end-to-end” execution of complaints analytics projects, including support for resulting implementation/systems projects
- Play supporting role in building and executing complaint management processes, such as root cause analysis
- Provide analytical support on complaints to LOBs, Corporate Compliance, and Complaint Management Group (CMG)
- Build and maintain relationships with quantitative analysts in other areas of the Bank and organize technical training opportunities with analytical staff
- Bachelor’s degree, or equivalent education and related training
- Five years of experience in banking, at least two of which are related to complaint management
- Ability to execute projects, learn, and work with portfolio reporting programmers and analysts
- Strong problem-solving skills
- Experience conducting research projects involving credit-related matters and summarizing results
- Extensive work experience in the banking and/or financial services industry, with exposure to retail/consumer lending
- Experience reading and applying large complex compliance and/or regulatory rules to a business situation
- Advanced skills in Microsoft Excel and PowerPoint
17
Mortgage Allocations Analyst Resume Examples & Samples
- Allocate mortgage pools to TBA commitments
- Facilitate the creation of Megas, Platinums and Giants
- Work on CMO creation and settlement
- Reconcile positions to the front office risk systems
- Secure trade comparisons through the FICC
- Net TBAs and pool trades on MBS Expert and all external systems
- Assist trading desk in ad-hoc mortgage related issues
- Some MBS Allocations
- Knowledge of MBSCC/FICC
18
Mortgage Lending Policy & Procedure Analyst Resume Examples & Samples
- Ability to deliver all life cycles of the defined project including scope, research, obtaining and analyzing data, testing and implementation to the business unit
- Lead work groups which support overall project implementation
- Implement the project by providing training of the changes to the affected personnel including establishing any required reporting
- Identify and collaborate with other Mortgage areas impacted by any project changes and engage the subject matter experts in the project execution
- Build predictive models of loss mitigation workout options based on historical results
- Gather, test and audit requests from regulators to determine gaps prior to audit completion
- Pull various data elements of the mortgage from the Servicing System and identify any gaps in the hand-offs between Loss Mitigation, Bankruptcy, Collections and Foreclosure which would delay the final disposition of the property and increase risk of loss and turn any gaps into projects
- Present project status reports and recommendations to Senior Mortgage Management
- Develop databases of any quality control testing performed and document results for presentations to management
- Bachelor's degree in business or finance, or equivalent education and related training
- Two years of experience in Mortgage Servicing
- Ability to work independently and seek and use guidance appropriately
- Master's degree in business with concentration in finance or statistics
- Six Sigma green belt certification
19
Fp&a-analyst Mortgage & NRI Resume Examples & Samples
- Planning and forecasting of monthly financials, yearly plan / other forecast for Mortgage and NRI business
- Allocations from various countries (NRI)
- Support the FP&A lead with business analysis and provide efficient control on revenue and expense
- Interact with the Controllers and management reporting unit for accounting and reporting requirements
20
Fp&a Analyst Mortgage & Nri Resume Examples & Samples
- Provide FP&A support to Mortgage and NRI Product and support the Retail Bank FP&A Lead
- NRI offshore locations
- Liaising with FP&A units at offshore locations to ensure proper reporting of NRI related transactions
- Expense management for all direct expenses (Mortgages /NRI)
- Interact with business and provide analytical support
21
Mortgage Loan Default Analyst Resume Examples & Samples
- Bachelor’s degree in a commercial real estate and/or finance-oriented area or equivalent work experience in one of the following areas: asset management, property management, commercial mortgage lending or commercial property acquisitions. Candidacy in the CCIM or equivalent program is preferred
- Generally,3+ years previous experience in commercial real estate or finance required
- Knowledge of commercial mortgage loans including background in real estate finance and accounting in order to analyze financial ratios and understand borrower financial projections, and the ability to read and understand mortgage loan legal documents
- Proficiency with Microsoft Office (Word and Excel), competent use of computers, ability to conduct internet research and use industry specific software programs, including the mortgage loan system of record. Fast paced deadline driven office environment. Occasional travel for industry seminars and classes
- Generally, five (5) years previous experience in commercial real estate or finance is required
- Extensive knowledge of commercial mortgage loans including background in real estate finance and accounting in order to analyze financial ratios and understand borrower financial projections, and the ability to read and understand mortgage loan legal documents
22
Analyst, Mortgage Optimization Resume Examples & Samples
- Plays a key role in the execution of financial analysis and in driving business results
- Bachelor's degree required or equivalent experience
- CPA, MBA or other advanced degree(s) preferred
- Six Sigma and/or Project Management certification(s) preferred
- One to three years experience in Mortgage (Sales, Operations, etc.) and/or as a Business Analyst required
- Demonstrated ability to translate business requirements into solutions utilizing a "customer-friendly" approach
- Demonstrated ability to direct initiatives with successful results
- Demonstrated ability to manage multiple projects and priorities and work in a fast paced environment required
- Ability to work independently, as well as in a team environment
- Proficiency with Microsoft Office software, including Word, Excel, Access, PowerPoint, etc. Previous experience with reporting tools (Crystal Reports, Business Objects) preferred
- Previous experience with Mortgage sales origination platforms/systems preferred
23
Mortgage Banking Master & Subservicing Analyst Resume Examples & Samples
- Execute impact assessments that identify any changes to internal or subservicer processes or procedures as a result of changes to laws, regulations or bank policy
- Manage work streams that remediate any deficiencies identified in impact assessment and improve compliance with regulatory and bank governance programs by subservicers
- Perform reviews and generate reporting to verify TPSO identified issues are appropriately documented and tracked through resolution
- Work with TPSO management, Risk, Compliance and Audit SME’s to prioritize and execute implementation or remediation plans
- Schedule, facilitate and/or participate in meetings and discussions regarding assigned action plans and risk monitoring and controls
- Track work stream milestones, file relevant artifacts to document repository and manage dependencies to ensure critical path to completion is followed
- Contribute to updating the RCSA and RCM, monitoring impacts to RCSA or established processes as a result of obligation changes
- Bachelor's degree required or equivalent business experience
- 4+ years Operational Risk, Compliance, Audit or Operational Change Management experience
- 3+ years Mortgage Servicing Experience
- Strong communication and presentation skills with diverse groups and individuals
24
Mortgage Credit Analyst Resume Examples & Samples
- Experience in mortgage lending, investing or credit research in related markets would be a strong asset
- CFA designation
- A degree in Finance or a technical area of study
- Proven experience working in a team environment
25
Mortgage Banking Master & Subservicing Analyst Resume Examples & Samples
- 4-6+ years of vendor/relationship management experience
- 5+ years experience in mortgage banking industry with a strong emphasis on
- Ability to work under stringent deadlines stressing urgency to achieve monthly
- Ability to create or contribute to concise communication materials for senior
26
Mortgage Lending Business Analytics Analyst Resume Examples & Samples
- Lead analysis effort to gather, formulate, define and design solutions to the most complex business problems. Formulate and define systems scope and objectives based on both user needs and a thorough understanding of business systems and industry requirements
- Lead analysis effort to interpret client requirements into documented system requirement specifications in accordance with approved standards and procedures. Devise or modify procedures to solve complex problems considering computer equipment capacity and limitations, operation time, and form of desired results. Analyze business and user needs, document requirements, and translate into proper system requirement specifications
- Translate high-level business requirements into functional specifications for the Enterprise Data Office (EDO), and manage changes to such specifications
- Facilitate working sessions to help clients to arrive at high- and low-level EDO development business requirements
- Maintain an expert knowledge of assigned computer applications and a working knowledge of other applications operating in the same or integrated environments. Possess full technical knowledge of most phases of systems analysis, and consider the business implications of the application of technology to the current and future business environment
- Maintain an expert business and operations knowledge of direct and associated clients in order to add value in analyzing complex and highly integrated projects
- Act as team leader for projects with moderate budgets or of short-to-intermediate duration
- Bachelor’s degree in Information Technology-related field, or equivalent education and related training
- Five years of experience in application analysis and design
- Ability to work independently or as a member of a team
27
Mortgage Lending Default Project Analyst Resume Examples & Samples
- Obtaining and creating vendor reports for daily QC audit of Outsourcer approval expectations
- Assisting the department level process implementation of daily work processes
- Effectively identify and recommend changes to the resulting policies and procedures impacted by QC implementation
- Assist in the development and training of changes implemented, including establishing any required reporting
- Identify and collaborate with other Mortgage areas impacted by any subsequent changes
- Gather test and audit requests from regulators to determine gaps prior to audit completion
- Pull various data elements of the mortgage from the Servicing System and identify any gaps between vendor submission and expected results from the Servicing System
- Ensure agency updates are reflected accurately on the vendor rules based engine
- Bachelor’s degree in business or finance, or equivalent education and related training
- Two to three years of experience in Mortgage Servicing
- Advanced Microsoft Excel skills, with the ability to write VBA Scripts
- Strong financial analytical skills, with account payable processing a plus
- MSP Black Knight LoanSphere experience
- Rules based creation background
28
Mortgage Business Controls Analyst Resume Examples & Samples
- Review team procedures to ensure compliance with regulatory, investor, and bank policy/requirements/guidelines
- Perform data validation using proprietary systems to determine accuracy of system functionality
- Follow-up on exceptions identified during internal and external reviews
29
Mortgage Business Controls Analyst Resume Examples & Samples
- Review departmental procedures to ensure compliance with regulatory, investor, and bank policy/requirements/guidelines
- Review regulatory, investor, and bank announcements and provide a summary to affected departments within the operation. Follow up when necessary to ensure procedural updates have occurred and implemented
- Update Key Performance Indicators (KPI's) to ensure Business Controls and the associated risk(s) are effectively managed through data and information
30
Mortgage Servicing Loss Mitigation Analyst Resume Examples & Samples
- Oversees preparation of all necessary documents
- Reviews completed documents for accuracy; insure any funds are posted and that loan is no longer in delinquent status
- Upholds customer satisfaction by supporting external and internal customers and answering questions/request in a timely manner
- Maintains customer confidence and protects operations by following the Privacy Policy and keeping information confidential
- Participates in collection call blitzes
- Cross-trains other team members to insure loans are referred for analysis when appropriate
- Maintains current industry knowledge and regulations by completing training sessions as scheduled
31
QRM Analyst, Mortgage Resume Examples & Samples
- Assist with the administration of the QRM Mortgage Banking (MB) framework and Middle Office processes, including periodic review and calibration to the capital markets of QRM's behavioral models
- Responsible for generating and running QRM pipeline management, trade and allocation reports
- Analyze data sources and map elements for reporting and analytics
- Support the configuration of QRM MB functional enhancement, leading regression and other testing procedures with regard to patches, quarterly upgrades and new releases
- Take ownership of maintaining the QRM MB model test environment
- Troubleshoot and resolve technical issues pertaining to QRM
- Configure analytic tools to deliver various risk management reports, including but not limited to position reporting, hedging, mark to market, allocation/pooling, trading, and settlements
- Bachelor’s degree (in Finance, Economics, Mathematics, or Computer Science is preferred) or equivalent work experience
- 2-3 years’ experience to Capital Markets and/or data base administration
- Excellent analytical and critical thinking skills, including ability to formulate solutions to non-routine problems
- Strong understanding of spreadsheet and database management with a high proficiency in Microsoft Office products (Excel, Access)
- Demonstrated ability to prioritize, multi-task, meet deadlines and adapt to changing priorities in a fast paced environment
- Proven knowledge of QRM software, preferably QRMMB (i.e. mortgage banking)
- Understanding of basic mortgage financial and operational risks
- Detail oriented due to the immediate and significant financial impact of an error in a trading/hedging position
- Proven ability to handle several critical functions simultaneously and seamlessly transition between responsibilities as the situation demands in order to meet industry-established deadlines
- Knowledge of FNMA/FHLMC/GNMA delivery processes a plus
- **************************************************************************************************************************************************************************************
32
Mortgage Quality Analyst Resume Examples & Samples
- Research all avenues for GSE directives, state and legal statues to ensure all directives are
- Minimum 3 years Sr. loan processing or 1 year mortage loan underwriting experience desired
- Proven high level of customer service delivery
- Ability to identify trends in data and call patterns
- Ability to work in a repetitive environment
- Excellent follow up skills
- Outstanding listening skills, and the ability to process auditory information very quickly
- Strong detail orientation
- Skilled on Microsoft Excel
33
Mortgage Operational Excellence Analyst Resume Examples & Samples
- Responsible for conducting lean management/process improvement studies. Using performance metrics and process flow mapping and analysis to identify opportunities for efficiencies, elimination of pain points, etc
- Develops graphs, reports, dashboards and presentations of project results with the ability to present complex information in an understandable and compelling manner
- Generates routine and ad hoc reports
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CCB Risk-mortgage Loss Forecast Modeling Analyst Resume Examples & Samples
- Expect to handle projects with a minimum of oversight and supervision and should be able to make contributions by proposing innovative and valuable ways for approaching problems
- Have excellent project management skills and is expected to actively manage the communication and interaction with development, production, reporting, IT, and model review groups when needed
- Strong project management, communication skills (oral and written), multi-tasking and time management
- Being able to manage multiple tasks at the same time and work against tight deadlines a strong plus
- those who don’t meet the requirements can be considered for a Risk Analyst I, Officer/Associate level role
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Mortgage Lending Correspondent Lending Qualified Mortgage Risk Analyst Resume Examples & Samples
- Perform detailed pre-funding QM analysis and validation for all loans delivered for purchase through the CorrAdvantage execution. Accurately validate all loans for QM Ability to Repay (ATR) and points and fees compliance. Approve CorrAdvantage loans for funding
- Perform detailed pre-funding or post-closing analysis and validation of targeted (sampled) loans to ensure compliance with RESPA, Regulation Z, and other identified compliance-related laws and regulations. Validate that ATR calculations are accurate on sampled loans. Validate that compliance documents were prepared within required timeframes and that fees charged were accurate and allowable
- Perform detailed pre-funding QM analysis and validation for Federal Housing Administration (FHA), Veterans Affairs (VA), and US Department of Agriculture (USDA) loans as needed due to volume. Accurately validate loans for ATR compliance and 3% fee limitation. Approve loans for funding
- Provide assistance and direction to Correspondent Lending personnel concerning issues or questions relating to compliance with RESPA, Regulation Z, or other compliance or regulatory topics
- Provide assistance to Correspondents concerning BB&T's requirements for compliance issues relating to RESPA, Regulation Z, and other compliance or regulatory issues
- High School diploma or equivalent education and related training
- Three years of experience in mortgage loan underwriting, processing, closing or review
- Proven ability to communicate effectively and professionally
- Solid working knowledge of QM, Freddie, Fannie, FHA, VA, USDA guidelines
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Mortgage Lead Business Systems Analyst Resume Examples & Samples
- Coordinates business requirement efforts and practices across projects. May include risk mitigation and planning. The lead is ultimately accountable for the delivery of the requirements developed by other analysts according to the project expectations
- Improves and facilitates the improvement of business analysis practices in the mortgage division. Includes but is not limited to training other business analysts in appropriate techniques, methods and standards
- Collaborates with the business process team as needed to analyze business area processes to understand their strengths and weaknesses to determine opportunities to automate and improve processes and functions
- Develops and ensures adoption of usability standards and customer experience standards in all areas
- Understands technology trends, including web technology trends, and use this knowledge to bring solutions to the business to enhance the company’s competitive edge and makes recommendations for buy vs. build decisions
- Assists team leaders, program/project management, and technology with vendor evaluation and recommendations
- Assists team leaders, program/project management with the coordination of organization-wide technology efforts
- Educates the IT organization on the direction of the business
- Serves as a liaison between business area(s) and the IT organization in order to provide best-in-class technical solutions to meet user needs
- Helps negotiate agreements, commitments and signoffs by facilitating communication between the business and IT from initial requirements to final implementation
- Analyzes and optimizes system designs through review and analysis of user needs in order to identify efficiencies by better using existing technology and/or new technology along with accompanying workflow/human changes
- Develops and documents functional, workflow and UI requirements at an appropriate level of detail. May include storyboards, mockups, use cases and task flows to effectively communicate design ideas and interactions based on product and business requirements
- Works with development team and program management to manage implementation of proposals from requirements sign-off through Development & QA cycles to production
- Supports, conducts, or supervises testing, potentially including UAT, on all assigned projects to ensure that finished product meets all of the requirements outlined during design phase
- Performs conversion of data between applications; design, develop and generate routine and ad hoc reports utilizing Excel, SQL or Access
- Provides technical support/analytic for software applications (data processing, reports, trouble shooting, vendor communication) in order for successful and complete utilization of technology
- Prepares documentation for internal and external customers. Includes but not limited to training programs, launch documentation, job aids and help
- Supports deployment and adoption of technology and process solutions
- Supports team leaders in BA team member development, performance assessments, and assignment of responsibilities and goals
- Coordinates business requirement effort and practices across projects. May include risk mitigation and planning. The lead is ultimately accountable for the delivery of the requirements developed by other analysts according to the project expectations
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Mortgage Credit Analyst Resume Examples & Samples
- An existing approval delegation / DLA
- The ability to manage business pressures and client expectations
- A focus on continuous process improvement and excellence
- Tertiary qualifications in a related field
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Mortgage Senior Business Systems Analyst Resume Examples & Samples
- Works with leaders and developers to implement approved designs
- Writes clear, concise, thorough, detailed UI requirements
- Works with development team to manage implementation of proposals from requirements sign-off through Development & QA cycles to production
- Advocates usability standards and customer experience in all areas
- Works with cross functional teams to conduct usability testing and inspections
- Institutes and improves use of techniques to conduct user centered research: focus groups, observations, and interviews
- Develops aesthetic standards for all applications
- Works directly with customers to define requirements, test completed products, perform user acceptance testing (UAT), and coordinate beta program for designated projects
- Supervises testing on all assigned projects to ensure that finished product meets all of the requirements outlined during design phase
- Prepares documentation for internal programs, includes creating training programs and documentation to be used to launch new product or feature across organization
- Mentors other Business System Analysts in requirements, gathering, and other techniques
- Assists in improving software development practices
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Mortgage Complaint Analytics Lead Analyst Resume Examples & Samples
- Review data runs and outputs with Case Reviewers, pursue additional analyses as appropriate and provide overall quality assurance of research results
- Produce reports in Excel, PowerPoint, or other needed format
- Facilitate and maintain key relationships with groups such as business stakeholders, functional/department SME’s, Complaint/Concern owners etc. in order to execute project management processes, goals and initiatives, analytics and measures
- Skills in the Microsoft Office suite of products (Excel, PowerPoint, etc.)
- Experience with software packages such as SAS, SPSS or SQL preferred
- Knowledge of statistical concepts and experience in applying statistical analysis
- Education Level: Bachelor’s degree in business, marketing or related field; MBA, MA or MS a plus
40
Fair Lending / Mortgage Analyst Resume Examples & Samples
- Conducts analysis for existing mortgage portfolio performance as well as pre-selection analysis to ensure compliance with all regulations; CRA, Fair lending, etc.
- Conducts various analysis, as directed by the Fair Lending Officer, to support the Bank’s compliance with Fair Lending Regulations
- Collects data from internal and external sources to compile and maintain reports and dashboards that document activities and analyses
- Updates and maintains Fair Lending analysis software and files; publishes departmental portal site
- Provides assistance with preparation for regulatory evaluations, exams, audits and reviews related to Fair Lending
- Performs other job related duties or special projects as assigned
- Solid technology and internet skills, including advanced knowledge of report preparation (Excel) and the ability to learn Fair Lending and CRA data system management software (Centrax / CRA wiz)
- Strong analytical skills with attention to detail and concern for data accuracy
- Self-starter who uses time effectively and efficiently meeting required deadlines
- Effective problem solving and communication skills, both written and verbal
- Demonstrated ability to research, read, and interpret government regulations, technical reports, and legal documents
- 1-3 years research or analyst experience
- Experience with Fair Lending or CRA compliance, and/or evaluation processes preferred
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Mortgage Lending Loss Mitigation Project Analyst Resume Examples & Samples
- Completion of daily loan review assignments; demonstrated ability to perform consistent decisions using varied income documentation, credit bureau report and multiple systems of record; fixed income, various self-employment scenarios, complex financial structures, multiple rental properties and businesses supported by IRS income tax schedule analyses; FHLMC Form 91, FNMA Form 1084 and investor/insurer debt-to-income ratio requirements
- Demonstrated knowledge of Real Estate Settlement Procedures Act (Regulation X) in relation to the loss mitigation process
- Accurate and objective scoring of loan reviews using a standard scorecard template
- Timely resolution of loan review disputes
- Documentation of loans review in applicable servicing system(s)
- Appropriate prioritization of loan reviews and additional tasks as assigned
- Accurate and consistent application of Second Level Review policy and procedures on both an individual and team level
- Identification of and recommendations for Second Level Review policy and process improvements
- Associate’s Degree or equivalent training
- Between 2 and 7 years of mortgage service
- Up to 2 years of quality assurance and/or control experience
- Up to 2 years of Loss Mitigation servicing experience
- Excellent organizational and communication skills, both written and verbal. Effective conflict management and resolution skills
- Strong time management and prioritization abilities. Ability to perform in a fast-paced production environment to comply with loss mitigation Consumer Financial Protection Bureau Reg X timelines and internal service level agreements
- Ability to grasp concepts quickly and make sound and consistent decisions
- Demonstrated experience with Mortgage Servicing Platform
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Mortgage Servicing Loss Mitigation Analyst Resume Examples & Samples
- Acts as a liaison to facilitate communications required for Hardest Hit programs
- Assists with collections, bankruptcy, and foreclosure areas
- Reviews all Default Department modification offers for quality control
43
Mortgage Lending Business Analytics Analyst Resume Examples & Samples
- Experience performing as a business analyst in a mortgage servicing function highly preferred
- Knowledge of Blacknight MSP or similar application strongly preferred
- Experience analyzing, interpreting, reporting and presenting business insights based on data highly preferred
- Proven experience gathering business requirements from end users and translating for technical SME's in various functions is a very strong plus
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Mortgage Analyst Resume Examples & Samples
- Analyze historical GSE loan level information and summarize frequencies / severities / losses by cohort and combine with other data sources to help risk takers understand drivers of frequency, severity, and final losses of GSE risk transfer
- Use data to generate adjusted historical loss and prepayment vectors for cash flow modeling of credit risk transfer
- Help build loan level default, loss given default, and prepayment models for estimation of cash flows and comparison of credit risk between various pools
- Track industry collateral characteristics, prepayment, and delinquency trends over time
- Help set strategy for testing, running, and presenting output from third party models
- Bachelors’ degree
- 3+ years’ in analysis
- Previous experience in banking, consulting preferred
- Software skills/programming in SQL, Access preferred
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Mortgage Lending Policy & Procedure Analyst Resume Examples & Samples
- Utilize functional background and experience in partnership with MLA department to develop policies and procedures
- Draft and edit general policies and procedures, serving as a resource to the MLA department managers for policy and procedure development
- Interact with various departments throughout MLA in the development of standards, guidelines and procedures that are consistent with the governing Bank policies
- Participate in the review cycle updates of all policies, standards and procedures
- Report to the MLA Change Control and Policy Procedure Manager on all policy developments and revisions
- Ensure that the drafting and revision of policy is consistent with the mission, vision and values of BB&T
- Collaborate with the Enterprise Policy Governance Officers and Corporate Compliance to effectively and efficiently respond to regulatory and industry changes that impact Bank policy
- Answer questions from MLA personnel regarding policies, standards and procedures
- Bachelor’s degree in Business, Accounting or related field, or equivalent education and related training
- One year of banking and/or mortgage experience
- Willingness and capacity to make sound decisions and resolve problems within span of authority in a timely and responsible manner
- Ability to work independently and possess the drive, initiative and energy to begin and complete assignments
- Ability to interact with all levels of management
- Experience in writing bank policy
- Knowledge of BB&T’s culture
- Knowledge of BB&T’s standard software packages
- Experience in compliance or legal documentation, or lending administration
- Proficiency with process and project management software, such as Visio and SharePoint
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Senior Mortgage Analyst Resume Examples & Samples
- Supports loan underwriters review, underwrite, negotiate, and make recommendations on new loan originations and existing loan refinances consistent with established guidelines. Performs these activities for more complex originations and refinances. Reviews tenant and borrower financial statements. Prepares property owner and borrower organization charts. Maintains a working file for each loan. (40%)
- Develops underwriting spreadsheets, negotiate terms, and prepares commitment letters for refinances, long and short termextensions, assumptions, modifications, transfers, and other types of loan events. (20%)
- Develops, prepares, presents, and maintains mortgage loan prepayment, property type, geographic, correspondent, debt coverage ratio (DCR), and other portfolio reports, models, and spreadsheets. Leads and participates in assigned projects to support the mortgage investments department. (20%)
- Researches, evaluates, and presents information on real estate markets, mortgage loans, and related investments in conjunction with investment division activities. Conducts out-of-state property site inspections as assigned.(5%)
- May train, mentor, and/or coordinate and direct the work of lower level staff. (5%)
- Other duties as assigned (10%)
- Bachelor's degree in related field or equivalent experience. College coursework in Real Estate a plus
- Five (5) years of relevant experience
- Advanced knowledge and understanding of income-producing properties and commercial real estate markets. Proficient in Crystal and/or MS Office (e.g., Excel, PowerPoint, and/or Access)
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Mortgage Analyst Resume Examples & Samples
- 3+ years of Mortgage Industry experience
- Experience with third party vendor / outsourcing servicing
- Knowledge of Mortgage products, regulations and policies
- Solid analytical and research skills
- Private Banking / Wealth Management expertise
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Mortgage Credit Analyst Resume Examples & Samples
- Underwrite LMI applications for customers, in line with QBE LMI policy and within authority limits
- Hold & maintain a minimum Underwriting Authority
- Ensure quarterly Quality Assurance benchmarks are met
- Report on any nondisclosure, misrepresentation or fraud in applications for LMI
- Complete all required on-line Compliance training
- Meet or exceed service level or management agreements for partners and other Customers
- Provide support to Senior Underwriter/Team Leader as required
- Financial Services industry experience ( mortgage lending, banking)
- Ability to make decisions within a Delegated Underwriting Authority
- Experience assessing self-employed borrowers and ability to read company tax returns & financials
49
Mortgage Analyst Resume Examples & Samples
- Mortgage Analyst II is required to process and input checks received from Title into the Loan Servicing system
- Answers and address incoming customer service telephone calls; takes detailed, legible and accurate notes to document the file
- Comparing the loan closing information on the HUD statement to the information included in the various Accounting, Production and Servicing systems
- Auditing the interest and escrow funds for loan. These funds are compared to the amounts set up in the servicing system
- Any differences are researched and corrected. Any required corrections are communicated to various branch and processing associates
- Research recorded information in various county records
50
Mortgage Analyst Resume Examples & Samples
- Work with the head of Structured product to recommend to portfolio managers, the purchase and sale of Agency and Non-Agency RMBS for both total return and income oriented portfolios
- Help to identify investment opportunities within the RMBS sector, evaluating, on both a fundamental and relative value basis, the risks of the individual securities
- Monitor performance and pricing levels of existing holdings relative to expectations and economic trends
- Contribute actively to team discussions on investment themes, ideas and strategies
- Support marketing and client service initiatives including client presentations and preparing topical articles
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Mortgage Quality Analyst Resume Examples & Samples
- Assures compliance with bank, regulatory and investor guidelines and customer service standards. Communicates with customers, internal staff, brokers, counsel, title companies, etc. to respond to inquiries, resolve problems and obtain all necessary documentation required for the file
- High school graduate. College preferred
- 1-3 year experience in Mortgage or Mortgage related business
