Valerie Hedlund
St. Mary's University School of Law, Class of 2018
From San Antonio, TX
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Valerie Hedlund of San Antonio graduated with a J.D. from the St. Mary's University School of Law during the School of Law's 84th annual Commencement on May 19, 2018. Hedlund was among more than 2...
June, 12 2018 - St. Mary's University School of Law
- Responsible for analyzing and evaluating effectiveness and profitability of the complete line of mortgage products. Provide metrics and analysis of performance compared with industry.
- Report trends and recommend changes and revisions to processes and procedures for National Operations.
- Analyze loan product performance and quality to develop initial assessment of product offerings' strengths and weaknesses - both internally and externally.
- Conduct extensive research, prepare reports, and analyze credit and portfolio performance for risk trends, economic forecast, delinquency rates, EPDs/FPDs, bankruptcy, demographics, and other factors.
- Prepare executive summaries and supporting analysis for presentation to agencies, investors, auditors, and leadership team.
- Nationally - Created, implemented, and trained company-wide operational and compliance policies and operational procedures.
- Nationally - Managed Appraisal Desk and AIR compliance.
- Locally - Managed and directed the mortgage processing department of the San Antonio Main retail/credit union branch, (10 direct reports).
- Other responsibilities included: vendor vetting/contract negotiations/management; system/program implementations and training; branch and national pipeline management; intranet site creation and maintenance; business analysis and reporting; and member of Risk Committee, Compliance Committee, and TRID Committee.
- Project Manager and Super Admin for the Ellie Mae Encompass LOS implementation. Head of the admin. team for configuration, testing, training, implementation, and deployment to over 500 employees nationally. Project began October, 2014 and all end users went live at the beginning of 2015.
- Created and implemented company-wide policies and procedures to proactively meet the requirements of 2010 RESPA, MDIA, HVCC/AIR, FRB Comp, and 2014 CFPB/2015 TRID rules. I have successfully completed company audits and self-examinations in the following areas: HMDA, Fair-Lending, ECOA, FNMA MORA, and CFPB Mock audits.
- Company-wide annual volume $2.0B - $3.0B and over $5.0B in servicing portfolio
- Responsible for Compliance, NMLS Licensing, QC Post-Closing Audits, and acted as interim manager for the following roles: Closing Manager, Processing Manager, and HR/Employee Relations Director.
- Created and Implemented policies and procedures for NMLS/MCR management and reporting, HVCC, FRB compensation changes, and ComplianceEase system for improved compliance with RESPA 2010.
- Oversaw 29 Branch Locations, over 250 employees and licensed in 7 states.
- Managed Compliance and Quality Control and was also responsible for HR and Employee Relations.
- Created and implemented a comprehensive compliance management system of controls and policies to meet the Dodd-Frank challenges, 2010 RESPA changes, FRB compensation rules, MCR/HMDA changes, and all other regulatory/agency requirements .
- 2010 volume booked at over 1,800+ units for over $370MM.
