Welo S. Guy Lunda
Matthews
Summary
I am a highly motivated risk management professional with over 15 years of experience in regulatory risk, operational risk, compliance risk, and credit risk management. I bring not only my expertise, but also a wealth of knowledge in policies and procedures, high ethical standards, a strong commitment, and dedication, while maintaining conformity and due diligence in a rapidly changing environment.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Better.com
04.2021 - 12.2021
- Reviewed, approved, and ensured loans met all underwriting guidelines for government-sponsored entities (GSEs), such as Fannie Mae, Freddie Mac, and other private investors, while maintaining primary and secondary market quality.
- The scope of reviews included adhering to lending practices, as prescribed by the Consumer Financial Protection Bureau (CFPB) and Fair Lending Regulations. Also oversight using regulations from Anti-Money Laundering (AML), Bank Security Act (BSA) and Federal Credit Reporting Act (FCRA).
- Partnered with internal and external clients, managed successful broker relationship to meet and or exceed goals and mitigate risks.
- Provided coaching for processors and closers.
- Achieved Service Level Agreement (SLA) targets for production and quality.
Sr. Underwriter, Lending QA Consultant, QA Team
Wells Fargo Bank
12.2010 - 04.2021
- Performed in-depth internal audit of Underwriters for FHA, FNMA, FHLMC, VA and USDA to ensure compliance to FACTA, FCRA, Regulation B, Fair Lending, Regulation Z, Regulation X, SCRA, RESPA, UDAAP.
- Scope of review included verifying and analyzing financial information, income calculation, DTI, LTV, supporting documentation, credit and legal documents. Also, partnering with technology to test and validate processes and tools.
- Ensured accuracy of decision tools used, data integrity, and adherence to investor guidelines, policies and procedures in order to mitigate credit risks, operation risk and reputation risk.
Asset Manager
Wells Fargo Bank
04.2008 - 12.2010
- Managed a portfolio of 150+ Real Estate Owned properties.
- Responsibilities included agent assignment, assessing properties condition, listing and pricing properties, evaluating and accepting offers, sign off on closings and ensuring profitability of each final transaction for the bank.
- Assisted, fostered, and supervised open communication between agents, vendors, and project managers. Supported all internal and external clients in providing reports to leadership and senior management.
Education
Bachelor's of Sciences - Business/Marketing
Queens University
Charlotte, North CarolinaSkills
- Self-starter with a positive attitude that exhibits flexibility and a desire to learn
- Strong critical thinking, problem-solving, analytical mindset
- Sound organizational, analytical, oral, and written communication skills
- Ability to operate in a fast-paced environment with multiple concurrent priorities
- Strong written and verbal communication with all levels and lines of business
- Ability to work independently
- Ability to juggle multiple work efforts and to quickly change direction
- Problem solver, conflict resolution, operational risk
- Regulation knowledge, driving engagement, forward thinker
- Strong presentation, research, and investigative analysis
- Quality assurance, financial risk management, and analysis
- Strategic thinking, decision-making
- Team player and team contributor
Certification
Certificate of Project Management, Villanova University
Projects
- Third Level Review Project (QA TEAM)
- Foreclosures Reporting Risk Management (QA TEAM)
Languages
- English
- French
Timeline
Mortgage Underwriter
Better.com
04.2021 - 12.2021
Sr. Underwriter, Lending QA Consultant, QA Team
Wells Fargo Bank
12.2010 - 04.2021
Asset Manager
Wells Fargo Bank
04.2008 - 12.2010
Bachelor's of Sciences - Business/Marketing
Queens University