Judith A.

Mangan
Chicago, IL 60609
www.linkedin.com/in/judithmangan

773-315-7329
judith_mangan@yahoo.com

PROFESSIONAL EXPERIENCE
Perl Mortgage Chicago, IL
Mortgage Quality Control /Post Closing Specialist

Review loan files for accuracy and completeness

Review and correct Loan Estimates and Closing Disclosures per the TILA-RESPA Integrated Disclosure
Rule
Evaluate compliance with state and federal requirements, agency and investor regulations and internal
operating policies and procedures
Review investor suspense report to clear post funding issues

JPMorgan Chase Bank NA Chicago, IL

Operation Risk/Control Analyst

2013 - 2014

Partner with production, supervisors, managers and team members to improve the process in place
Coordinate design & implementation of new process, review exiting processes for efficiencies
Document and keep existing procedures current
Review Vendor processes end to end including the development of flood metrics and reporting
Represent WLO at calibration meetings between the Flood IQC Team and Market partners, including
collaborating with Lines of Business and Production teams to validate exceptions identified
Design testing for Flood regulations and other key Regulatory Controls within Commercial Bank

Senior Loan Processor

2015-2016

2012 -2013

Process and prepare for closing retail mortgage loans (conventional and government, purchase and
refinance) under various loan programs in accordance with policies & procedures
Issue proper disclosures as required by federal regulatory compliance
Review rate lock and point objectives for accuracy, ensure overage and underage is approved as well as
waiver of any fees
Set up files and order all necessary exhibits for appraisal and credit reports
Check alternative documentation for accuracy and potential problems
Order title insurance, flood and tax certificates and surveys, reviewing for problems upon receipt
Review all documents thoroughly before submission to underwriting
Obtain and review documents for acceptability against loan conditions
Complete loan submissions and perform closings

January 2008-June 2012

Provide home care for an ill parent

Judith A. Mangan
The Northern Trust Company Chicago, IL
Banking Relationship Associate- Officer

1999-2008

Provided mortgage servicing on 15,000+ loans exceeding $7.5 billion

Monitored and disbursement flood insurance
Partnered with Compliance and Audit members to improve the process
Coordinated design & implementation of new process, review existing processes for efficiencies
Maintained flood process controls by monitoring reports to ensure timeliness and to ensure no violations
Processed property taxes for all states in the portfolio
Monitored staff members for disbursement of PMI, hazard insurance
Reviewed appraisals and title policies
Reviewed loan documentation to insure that all loans met the Banks policy and Guidelines for Residential
Mortgage Loans
Managed staff with clearing compliance and documentation deficiencies in a timely manner
Performed annual escrow analysis and reconciliation
Processed client inquiries through clients, bankers and other staff members

GMAC Commercial Mortgage Chicago, IL

Servicing Portfolio Manager
1996-1999
Provided commercial mortgage servicing on 250+ CMBS loans exceeding $1.8 billion
Processed assumptions, financial statements analysis, payoff, replacement reserves disbursements,
collections and property inspections
Monitored UCCs, insurance and taxes to ensure they were current, adequate and paid
Interpreted legal and loan documents to ensure compliance
Interfaced with Special Service concerning non-performing loans
Fannie Mae (Federal National Mortgage Association) Chicago, IL
Customer Representative Multifamily
1994-1996
Monitored, evaluated and implemented strategies to maintain assets management performance of 300+
multifamily portfolio exceeding $2.0 billion
Reviewed and analyzed operating statements, rent rolls and property inspections
Delivery review of all product types, PA DUS, MM Bonds, MBS
Performed desk level monitoring of lender performance and monitor to ensure compliance with reporting,
remittance, servicing and custodial accounting
Performed special purpose escrow analysis and reconciliation
Senior Real Estate Owned Representative
Arranged securing of properties in foreclosure
Monitored evictions, bankruptcies and litigation cases
Provided support for Sales in processing closing packages
Analyzed Mortgage Insurance for Claim for Loss

1985-1994

Education/Training

Illinois Real Estate Pre-License Broker Certificate, April, 2015

American Institute for Paralegal Services Received certificate in July, 1994
Chicago Daley College Associates Degree in Business, 1990
Proficient in Word, Excel, PowerPoint, Visio, Access, Lotus Notes, Outlook and One Note,
Encompass

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