You are on page 1of 2

April D Valdez

ASSISTA NT V ICE PRES IDE NT OF QUALITY ASSURA NCE

valdezadbv@gmail.com

A compliance/quality assurance professional committed to providing exceptional service to the company, client, and customer. Experience in quality assurance, oversight, internal operations, compliance audits and risk analy sis . Successful leader able to train and develop staff to be productiv e, motivated, and exceed goals. Extensive knowledge of servicing current and defaulted mortgages. Strong verbal and written communication skills, analytic al and detail oriented. Consistent success in achieving a high level of productivity, quality work product and value added services.

Knowledge
Cost/Ris k analysis Underwriting policies and procedures Loss Mitigation/Default Servicing Quality Assurance/Auditing Fraud prevention/Credit Ris k Fair lending practices Working knowledge of Outlook, Excel, PowerPoint Regulatory and Compliance Human Resource/Timekeeping policies Originations loan programs and terms

Professional Experience
2002-2013 | JP Morgan & Chase Co. Asst Vice President/Consumer Loan Operations Support Officer I, Chatsworth, CA April 2012 December 2013 $63,600 Successfully managed a staff of 15+ reps in the Quality Control|Oversight group that was in charge of internal audits and disputes of Pre Funding, Pre Dis bursements and Post Fund mortgages. Worked with my direct vice president in creating and updating training guides for conventional, FHA, VA, FNMA, FHLMC, USDA loans. Set and developed quality team goals whic h greatly improved internal quality and production. Created compensation plans for direct reports while adhering to budget requirements. Prepared management reports on productiv ity and quality. Provided feedback, coached and developed staff relative to processors, closers, funders and underwriters activities, whic h increased quality and productivity by 40%. Asst Vice President/Quality Assurance Department Manager, Chatsworth, CA October 2011 - March 2012 - $58,500 Managed three supervis ors in the Quality Assurance department that handled production quality reviews of loan mods, internal auditing QA reps and resolving errors on ad hoc reports. Ensured Servic e Level Agreements were met weekly. Monitored/analyzed quality reporting to determine opportunities, focus areas and root causes. Maintained professional working relationship with internal business partners. Kept strict confidentiality in all matters dealing with personnel, work mans compensation and timekeeping matters. Attended webinars and compliance training sessions in order to stay current with changing RESPA requirements. Successfully assisted in representing the department during Treasury and MHA-C audits.

Loss Mitigation Quality Assurance/Operations Supervisor II, Chatsworth, CA March 2010 - September 2011 - $55,000 Successfully managed a team of 20 25 quality analy sts responsible for internally reviewing mortgage loan modification agreements to ensure compliance with Chase, OCC, RESPA, HUD, and investor policies and procedures. Clearly delivered new policy updates with the staff. Reviewed sampling of completed reviews of reports to ensure quality. Demonstrated experience in successfully serving internal and external customers. Worked with upper management and counterparts in creating QA desk aids for all platforms. Kept the lines of communication between the underwriter supervis ors , QA and job coaches opened. Facilitated weekly calibration calls with multiple lines of businesses to dis cuss trends and critical findings, as well as developed and administered training. Consistently exceeded expectations by 20% while adhering to deadlines. Loss Mitigation Quality Assurance Specialist II, Chatsworth, CA April 2007 - February 2010 - $50,000 Evaluated and verified data integrity and validity of information submitted on Conventional, FHLMC, FNMA, FHA, VA, USDA loan modifications. Approved or denied loan workouts while adhering to Chase procedures, investor and HUD guidelines and regulatory requirements. Consistently met or exceeded department goals; regular bonus winner. In depth research of sales contracts and strong working knowledge of ordering and evaluating appraisals.

April D Valdez
JP Morgan & Chase Co. [cont .]

valdezadbv@gmail.com

Loss Mitigation/Default Loan Workout Specialist/Underwriter/Solicitor, Chatsworth, CA May 2002 - March 2007 - $48,000 Negotiated var ious options to pr e-forec losure and foreclosure loans and effectively interacted with borrowers in resolving their delinquent mor tgages and br inging them back to current status. Accurately worked shor t sales, loan modifications and de ed in lieu of forec losure loans, resulting in an average cost sav ings of $60,000 monthly. Advised and assisted mortgagors with multiples str ategies to retain their properties, such as reinstating or setting up repay ment plans. Effectively located defaulted borrowers through skiptracing work and prepared defaulted accounts for litigation.

2002-1993 | Robinsons*May Company

Collector/Skiptracer, North Hollywood, CA June 1993 - April 2002 - $31,000 Collected on a high volume of delinquent credit cards 120 - 180 days past due. Interacted and negotiated payment terms with debtors, following upon commitments to ensure the delinquency was resolv ed. Identified assets for garnishment and/or execution. Compiled reports on delinquent accounts for management. Regular bonus winner.
1993-1991 | Sears, Roebuck & Co

Collector/Skiptracer, Rancho Cucamonga, CA June 1991 - May 1993 - $25,000 Served as a Lead to assist in the dis pute and customer service desks. Skiptraced and collected on credit cards 90 - 180 days delinquent Located debtors using basic and advanced skip tracing tools . Reviewed and analyzed credit applications and credit reports. Met and exceeded company goals consistently . Complete knowledge and understanding of all relevant regulations including the FDPCA.

Accomplishments/Membership Member of Senior Leadership Corporate Group - TOP LEADERS/ EXECUTIVES - CXO/ CEO/ CIO/ COO/ CFO/ President/ VP/ AVP/Director/ Head/ Managers. Member of the American Bankers Association Recipient of 2007 WaMu Elite Group Award for excellence in job performance. Was sent to Manila, Philippines, Florence, SC, Milwaukee, WI, and Irving, TX multiple times to train a staff of 100+ employees on the QA process and to meet with the head of the Servic ing and Default department to streamline QAs processes.

Professional Development

Development Training: Retail Financial Services HR Policies and Programs, Promoting a Positive Work Environment, Introduction to Situational Leadership II, Setting Objectives, Coaching and Feedback, Corrective Action, Interviewing and Selection, Development Planning, Writing an Effective Performance Appraisal, Anti-Tying for Mortgage Banking, 2013-2014 Anti-Money Laundering Program for Mortgage Banking, Mortgage Banking Vulnerable Customers Awareness Training, Service Members Civil Relief Act Awareness Mortgage Banking, Advanced Flood Training ,Dodd-Frank Overview - Mortgage Banking, 2013 Compliance Training: Mortgage Banking - Operator Relay Calls, Fact Act ID Theft Red Flag Training, Title and HUD-1 Workshop- Review and Analysis etc.

You might also like