Kris Stewart (469) 222-4842 kstewart0872@live.com

Q C A N A L Y S T Quality Control Analyst with over 10 years experience working in the Mortgage Industry. Presently looking to join a company that rewards innovative efforts, while providing plenty of progression and development opportunities. Multi-skilled professional able to manage and take on complex projects. Looking to maximize my analytical, quality control skills. My background includes negotiations, loss mitigation, foreclosure, servicing, originations, underwriting and management. My analytical expertise is in data mining, data cleansing, process improvement, reporting, testing, and database development. Track record of bringing losses to a minimal with identifying internal business process issues.

K E Y S K I L L S

Lawson/Oscar/Oracle Equator/AS400/Calyx Point

Citrix/BITB/Prospector

MS Access/MySQL LPS/MSP/Sales Force

QA & QC/SharePoint

MS Office Suite Negotiations/Short Sales

Rumba/EDS/CARS/O&E

Experience

QC Analyst/Database Developer & Administrator- 2014-Present

DOVENMUEHLE MORTGAGE INC. (LAKE ZURICH, IL)

Project manager of the Mortgage Disposition QC Team. Developed front-end content for two assessments for the bankruptcy and foreclosure audits. Built multiple databases and designed an audit platform/dashboard for QC team auditors to access their assigned work. Administered and maintained databases/work queues to warehouse the end result data. Presented end results/findings to managers in our monthly meetings to discuss trending issues. Identify missed KPIs and Smart Goals to determine departmental training. Mentoring and training of QC team on how to assess loans to determine departmental complicity. Monitoring, assigning and adjusting workflow as volume dictates. Write, generate, analyze, and present monthly reports to upper management to help identify/track trending errors. Participate in internal assessments/audits to identify and troubleshoot issues. Interpret and identify audit results. Give recommendations to resolve any quality issues. Mentor other QC team members in areas where needed to assist in meeting their monthly goals on assigned projects.

QC Analyst I -Mortgage Underwriter/Closer 2013-2014

BBVA COMPASS BANK (Dallas, TX)

QC Analyst in the mortgage origination/closing department. Assisted on a new Pre-Closing Review Project with collaborating in developing and testing new assessment on SharePoint. Conducted Pre-funding and HUD Closing reviews of all types of residential loans (Conventional, FHA, VA & Portfolio) in accordance of the bank’s Quality Control program. Lead a team of eight QC Analysts to perform both Pre-Closing and Pre-Funding quality assurance reviews in Mortgage Originations. Responsible for overseeing the training of the analysts with the Pre-Closing & Pre-Funding audit reviews in the Dallas, TX office. Responsibilities included the oversight of managing QC Proxy Email on rebuttals of the QC findings from the upper management of underwriting and processing. Accepted agency quality control standards to ensured loans were of investment quality. Assured loans were processed and underwritten in accordance to BBVA Compass Bank & Secondary Market Investor guidelines. Complied with all applicable Federal and State Laws/Regulations. Performed risk analysis to determine decision by identifying deficiencies during the review process. Reviewed and analyzed mortgage applications, credit reports, appraisal, income and asset documents to determine accuracy and completeness per guideline requirements. Performed a data integrity review for loans underwritten with DU or other automated underwriting systems. Analyzed data to detect deficient controls, identified transaction components that indicated a potential fraud (or material misrepresentation).Performed sufficient investigative work to identify trending issues. Assisted other Team Leads with overseeing their QC teams’ workload with administering and managing assignments. Collaborated with tenured employees and management to help gather information in the development of an audit plan review.

QA Claims Data Analyst/Sr. Short Sales Negotiator 2010-2013

AMO RECOVERIES/PROMONTORY:BANK OF AMERICA (Dallas, TX)

Short sale negotiator/closer in the mortgage industry. Assisted Real Estate agents with successfully closing their short sale loans. Negotiated terms of short sales, ensured short sale property offers were within investor’s guidelines. Managed a portfolio of files and processed Short Sale through COOP/HAFA to prevent foreclosure. Evaluated property (BPO and appraisal analysis) and determined the best offer. Presented listing agreements and counter-offers to supervisory approval and provided marketing direction to brokers. Reviewed title reports to establish lien positions. Audited files to assure the highest level of quality assurance. Completed Short Sale files by monitoring, verifying, and preparation of required documents. Scheduled and completed Sale closing. Contacted and informed all involved parties of documents required to proceed with short sales (HAFA) per investor, state and federal guidelines. Maintained compliance with the Fair Debt Collection Act. Completed title search, and reviewed MOD documents for quality compliance. Reviewed borrower’s claims of improper foreclosure/modifications of investor/servicer. QA Analyst researching MHA, HAMP, Fannie Mae, Bankruptcy, and Non-GSE Loans. Evaluated documents and data to determine if homeowner was harmed. Concluded and made documentation/recommendations of case summary for the determination of remediation or negligence. Planned, carried out, and published the results of audits within all functional areas within the company's servicing operations. Analyzed deeds, deeds of trust/mortgages, judgments, tax assessments, and other applicable instruments

Data Business Analyst/Medical Supply Chain Procurement 2009-2010

BROADLANE (Dallas, TX)

Sr. Data Analyst over eight KS hospital supply chain item master. Managed a team of two item master analyst of medical products. Delegated hospital request orders to team members to fulfill. Maintained and supported assigned hospitals item master and their contract pricing. Collaborated with buyers and order processors to ensure purchase orders were correct. Created custom catalog numbers for special order products in the Spinal and Ortho Matrix department as well as set up custom contracts for special pricing on custom items. Conducted contract item conversion by communicating with the hospital material managers to inactivate old part numbers in Lawson and convert over to new replacement item numbers. Investigated and corrected price discrepancies for my assigned hospitals. Maintained daily contract pricing and participation changes. Supervised and mentored the DCS team to ensure that core-cleansing activities were accurate. Interfaced with the customer on item master activities. Communicated through written and verbal coordination with customers about products. Ensured data standardization, vendor research, data categorization, contract research, contract price updates, price discrepancy, review and resolution, as well as other tasks related to the cleansing and maintenance of customer data on or before the agreed upon SLA. Collaborated, analyzed, presented, communicated and exchanged information to facilitate approved processes and to achieve goals. Identified problems and proposed solutions to resolve any issues with standards or pricing.

Office Manager 2008-2009

POLYPLEX AMERICAS (Farmers Branch, TX)

Office Manager of a small corporate distribution office. Supported and managed all corporate office staff. Processed bi-weekly expense reports, and office supply orders. Purchased and stocked all office supplies. Assisted sales team with technical support and held a customer service role. Maintained company financials by creating new customer invoices, posting payments to customer accounts, completing check runs, and conducting daily bank drops. Created and maintained reports on incoming and outgoing expenses. Managed customer accounts with credit line limits of up to $500k. Collaborated with customers on credit line, and net pay term extensions in order to prevent interruption of services and delinquencies. Maintained all customers outstanding balance delinquencies under the company quota goal of 10% .Assisted as needed with ongoing projects that required research, marketing, as well as sales. Maintained the weekly/monthly bank reconciliation, and receivable aging. Posted payments to accounts, and paid vendors on incoming invoices. Prepared payroll; controlled corresponded; designed filing systems; reviewed and approved supply requisitions; assigned and monitored clerical functions.

Credit Analyst/Account Manager 2003-2008

LANDSAFE CREDIT/COUNTRYWIDE HOME LOANS (Plano, TX)

Credit Analyst for pre-approval of loan in loan origination. Managed branch office requests submitted for pre-qualification of home loans in a timely manner. Analyzed and researched borrower's credit reports for loan pre-approval. Researched, verified and resolved credit issues /disputes in order to meet the underwriter's requirements for home loan approval. Submitted revised credit reports with corrections to the branch office for the origination of borrowers loan to complete the loan process. Met and exceeded company's set quota of 40 or more item requests daily. Processed and completed verification of rental and employment history of borrowers upon branch request. Serviced mortgage accounts inbound/outbound calls of customers to help

with applying payments to the principle, interest, and/or updated customer escrow. Supervised, mentored and coached the new hires. Traveled to Scottsdale, AZ to help in training development of new hires. Conducted QA/QC review of completed product of new hires.

Data Analyst/Account Manager 2001-2003

GMAC/GC SERVICES (Richardson, TX)

Data Analyst in retail contract processing center. Assisting finance managers and dealer principles with the contract processing/underwriting of auto loans with correcting contracts to guidelines of programs for submission of approval on loan. Collaborated with finance managers and sales associates to correct errors on contracts in order to lower delinquencies and to prevent interruption of wire funds to principle dealers. Processed contracts through data entry after gaining paper buyer's approval. Ensuring all paper work for underwriting is in package to process the approval. Daily communications with finance managers on new program and required guidelines for loan financing. Obtained missing documents to complete contract package for underwriting. Reviewing of credit reports through Oscar database for pre-qualification of auto loans.

Education

Brookhaven Community College-Dallas, TX