Program Compliance Administrator Resume

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Program Compliance Administrator Resume Ava Velasquez Program Compliance Administrator (253) 555-6924 ava.velasquez@example.com linkedin.com/example/avavelasquez Tacoma, WA 98402 STRENGTHS Compliance judgment A careful file review connected IRS rules, program policy, and investor guidance, giving partners clear decisions they could act on. Lender guidance Training sessions turned recurring file issues into practical examples, and lenders began seeking help earlier on difficult cases. Quality control Independent sampling separated isolated errors from larger process concerns, helping teams focus corrective work where it mattered. Program reporting Reservation and pipeline reports brought aging files, exceptions, and fund use into one view for steadier management decisions. Service mindset Clear documentation paths reduced back and forth for processors, borrowers, and partners, especially during urgent purchase timelines. SKILLS Compliance administration Loan underwriting Quality control Lender support Program reporting Policy development Strategic problem solving Relationship management Customer service Income calculations Loan servicing File review Fund allocation Process improvement Public administration LANGUAGES English Native 40 Spanish Proficient 30 MY CAREER 8.7 Years Senior Homeownership Compliance Analyst at Cascade Housing Programs (2.9 Years) Mortgage Quality Control Analyst at Soundview Mortgage Services (3.2 Years) Mortgage Underwriter at Northwest Community Lending (2.4 Years) Loan Processor at Harborline Home Loans (2 Months) SUMMARY Mortgage compliance and homeownership program professional with 9 years of progressive experience across loan underwriting , quality control , lender support , and public program administration. Work has centered on protecting program integrity while helping borrowers, lenders, and housing partners move loans forward with clear decisions. Experience includes FHA, VA, USDA, conventional, state bond, Mortgage Credit Certificate , down payment assistance, household income, daily priced, and investor compliance requirements. Reviews have applied IRS guidance plus Fannie Mae, Freddie Mac, and Ginnie Mae standards across pre closing, post closing, servicing, and quality control files. Leadership includes lender training, reservation monitoring, fund allocation reporting, policy updates, process improvement, and correction resolution. A practical, service focused approach supports sound decisions, trusted partnerships, and responsible use of public housing resources. EXPERIENCE Senior Homeownership Compliance Analyst Cascade Housing Programs October 2023 - Present Tacoma, WA Administers state bond, Mortgage Credit Certificate , daily priced, and down payment assistance programs. Leads file compliance, reservation oversight, lender support, quality control, reporting, training, and workflow improvements that protect public funds and improve service consistency. Balanced daily reservations, eligibility decisions, and fund allocations across state bond and assistance programs. Reviewed pre purchase files against IRS rules, income limits, procedures, and investor requirements within service timelines. Resolved post purchase and servicing discrepancies using Fannie Mae , Freddie Mac , and Ginnie Mae guidance. Delivered lender training on income calculations, documentation standards, reservation procedures, and recurring compliance findings. Improved review checklists, database reports, and correction workflows after audit findings and lender feedback. Reported pipeline volume, aging files, exceptions, purchases, and lender trends for program management decisions. Mortgage Quality Control Analyst Soundview Mortgage Services July 2020 - September 2023 Bellevue, WA Performed independent quality control across government and conventional mortgage production. Used sampling, exception analysis, database reporting, and stakeholder communication to identify defects, separate isolated issues from systemic concerns, and guide corrective action. Performed pre closing and post closing quality control across FHA, VA, USDA, and conventional loans. Applied Fannie Mae, Freddie Mac , and Ginnie Mae requirements during file sampling and exception analysis. Investigated income, asset, occupancy, credit, appraisal, and closing discrepancies through evidence based file review. Built database and spreadsheet reports grouping recurring defects by channel, product, and process stage. Prepared quality control summaries separating isolated errors from systemic concerns for targeted follow up. Advised processors and underwriters on correction paths while preserving independent quality control judgment. Mortgage Underwriter Northwest Community Lending January 2018 - June 2020 Vancouver, WA Underwrote purchase loans across government, conventional, affordable housing, and assistance programs. Managed a time sensitive pipeline, documented sound decisions, calculated qualifying income, and helped lender partners resolve conditions with clear evidence paths. Underwrote FHA , VA, USDA , and conventional purchase loans against agency and investor requirements. Reviewed affordable homeownership and down payment assistance documents alongside first mortgage underwriting decisions. Calculated qualifying income for salaried, variable, and self employed borrowers with documented rationale. Managed underwriting pipeline conditions and decision records through mortgage software and product checklists. Explained complex conditions to processors and lender partners using specific documentation paths. Flagged recurring documentation issues and recommended refined checklists and guidance for consistent decisions. Loan Processor Harborline Home Loans October 2017 - December 2017 Olympia, WA Managed purchase files from intake through underwriting submission under senior guidance. Organized borrower, property, income, asset, credit, disclosure, and condition documentation while building practical knowledge of government and investor program requirements. Managed purchase files from intake through underwriting submission with organized supporting documentation. Processed FHA, VA , USDA, and conventional files using product checklists under senior guidance. Verified application data against records and mortgage system entries, escalating material inconsistencies. Coordinated borrower and third party documentation requests with clear due dates and accurate file notes. Prepared underwriting submissions and tracked conditions, giving underwriters organized evidence for timely decisions. Built practical knowledge of investor and government program requirements through supervised file review. PROJECTS Homeownership Compliance Reporting 2024 Created clearer reporting views for reservations, purchases, aging files, exceptions, fund allocations, and lender trends. Work gave program leaders useful information for daily decisions and process refinement. Lender Correction Workflow 2023 Reshaped correction tracking around recurring findings, evidence requirements, and resolution status. Lenders received clearer guidance, while review teams gained a more consistent path from issue identification through closure. LEADERSHIP & AWARDS Selected to lead lender training sessions on income calculations, documentation, reservations, and recurring compliance findings. Recognized by program stakeholders for clear correction guidance and dependable support during time sensitive file reviews. Trusted to lead checklist, reporting, and correction workflow improvements based on audit findings and lender feedback. EDUCATION Bachelor's Degree in Business Administration University of Washington Tacoma GPA: 3.5 2017 Tacoma, WA Coursework: Finance, Public Administration, Business Law, Management CERTIFICATIONS Mortgage Bankers Association School of Mortgage Banking I 2019 Fannie Mae Learning Center, Quality Control and Loan Eligibility Training 2021 TECHNICAL SKILLS Government Loan Programs: FHA, VA, USDA Conventional Lending: Conventional loans, agency loans, investor loans Agency Guidelines: Fannie Mae, Freddie Mac, Ginnie Mae Mortgage Compliance: IRS requirements, state codes, local ordinances Homeownership Programs: State bond programs, MCC loans, down payment assistance Quality Control Reviews: Pre closing audits, post closing audits, servicing audits Underwriting Systems: Mortgage software, loan processing systems, underwriting platforms Reservation Systems: Loan reservations, daily priced programs, purchase tracking Data Reporting: Database management, spreadsheet reporting, pipeline reporting Financial Administration: Fund allocation, income calculations, program performance SKILLS Compliance administration Loan underwriting Quality control Lender support Program reporting Policy development Strategic problem solving Relationship management Customer service Income calculations Loan servicing File review Fund allocation Process improvement Public administration PROFESSIONAL AFFILIATIONS Mortgage Bankers Association, School of Mortgage Banking participant and continuing mortgage education professional. Washington housing and lending community, collaborator with lenders, real estate professionals, and housing organizations. LANGUAGES English (Native) Spanish (Proficient) ADDITIONAL INFORMATION Work Status : Authorized to work in United States. No sponsorship required. ADDITIONAL INFORMATION Work Status : Authorized to work in United States. No sponsorship required. REFERENCES AVAILABLE ON REQUEST

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