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Bella White
309 Lake Forest Drive, Belleville, Illinois 62001
Ph 618.210.9876 bella@sbcglobal.net
Qualifications
Summary__________________________
Detail-oriented Analyst
with a multi-faceted background in the mortgage and banking industry, hands on
experience in auditing, quality control/assurance, loan processing/closing and
loss mitigation analysis.
Ø Provide
accurate and timely reporting to executive staff and upper management.
Ø Strong
analytical and decision making skills; ability to support business lines and
multiple departments as needed.
Ø Effective
communicator; ability to interact with various business lines to support
operational success.
Ø Rapidly
learn new technologies and possess proficiency with Microsoft Word, Excel,
Power Point and experience with a broad range of other programs.
History of Excellence and Experience in…
-Quality Assurance Analysis -Compliance Testing -Mortgage Fraud Detection
-TILA/GFE Compliance -Risk Analysis -HMDA Compliance
-Excel Spreadsheets -Loan Processing -Employment
Verification
-Loss Mitigation
-Presentations -Data
Entry
Professional Experience_______________________________
Aerotek, St. Louis Missouri 8/2010-3/2011
Loan
Document Specialist
Worked as a contractor at Wells Fargo Home
Mortgage closing a high volume of residential mortgage loans. Worked closely
with loan officers, title companies, and processors to insure accurate and
timely loan closings.
- Prepared
loan files for closing.
- Reviewed
loan files to insure closing documents complied with state and federal
guidelines.
Freelance Repairman, Belleville, Illinois 3/2009-
7/2010
Perform and complete repair projects for
various homeowners in the Belleville area. Work generally included plumbing
repair, electrical repair, carpentry, and landscaping.
US Bank, St. Louis, Missouri
3/2008- 2/2009
Compliance
Analyst
Prepared and provided material for
quarterly and annual compliance testing of various business lines. Compiled and
reviewed data to determine deficiencies in bank business lines. Maintained and
created detailed testing templates using Excel spreadsheets. Performed ad-hoc
reporting and analysis.
·
Tested
material ranging from mortgage loan documents to FINRA licensure.
·
Reported
data and results to all levels of staff.
American Equity Mortgage, St. Louis,
Missouri
11/2001-12/2007
Loss
Mitigation, Quality Assurance, and Loan Processing Analyst
Processed mortgage loans from application
to closing with consistent and error-free results. Performed verifications of
employment, and credit and appraisal reviews on loans. Compiled and reviewed
complex data regarding loan repurchase claims. Investigated potentially
fraudulent issues and presented issues to executive staff. Audited loan files
for accuracy and fraudulent activity, such as borrower misrepresentation,
appraisal fraud, and loan officer misconduct. Performed specific audits as
required.
·
Performed
data entry on mortgage loans from initial set up to closing.
·
Negotiated
monetary settlements due to repurchase claims.
·
Administered
company-wide regulatory policy regarding mortgage laws in multiple states.
·
Company
representative for policy issues ranging from customer complaints to state
agency inquiries.
Educational
Background_______________________________
Bachelor of Arts in English-
1998
Saint Louis University, St. Louis, Missouri
Management Training Course- 2007
American Equity Mortgage, St. Louis,
Missouri
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