C'Anne Ezell
@canneezell
Senior mortgage post-closing specialist focused on compliance, risk mitigation, and loan sale readiness.
What I'm looking for
I am a detail-oriented mortgage operations professional with extensive experience in post-closing audits, investor guideline compliance, and secondary market loan delivery. I have performed pre-funding and post-closing reviews on residential mortgages up to $4M, exercised delegated authority to purchase mortgage notes, and cleared conditions to make loans sale-ready.
Throughout my career I have validated complex borrower income (including self-employed returns and 1120/1120S), reconciled assets, resolved title and documentation issues, and ensured adherence to TRID, HMDA, and OFAC requirements to reduce repurchase exposure. I partner effectively with underwriting, collateral, title companies, and operations teams to cure deficiencies and maintain pipeline efficiency.
I bring a compliance-driven mindset, strong risk mitigation skills, and a proven record of maintaining investor confidence and transaction accuracy. I am committed to continuous process improvement and to supporting organizational goals for timely, saleable loan delivery.
Experience
Work history, roles, and key accomplishments
Sr. Operation & Production Analyst
VLS Enterprise
Dec 2024 - Present (10 months)
Support financial operations with a focus on compliance, resource allocation, and transaction accuracy; conduct payroll and P&L audits to reduce risk exposure and implement process improvements.
Sr. Operations & Post-Closing Auditor
Flagstar Bank
Jun 2020 - Jan 2025 (4 years 7 months)
Performed pre-funding and post-closing audits on mortgages up to $4M, exercised delegated authority to purchase mortgage notes, and cleared investor conditions to ensure secondary market eligibility and reduce repurchase risk.
Senior Underwriter
United Shore
May 2019 - May 2020 (1 year)
Reviewed and underwrote mortgage applications, validated income/assets/credit, and cleared title and closing conditions to mitigate risk and ensure loan compliance.
Centralized Accounts Financial Analyst
Kelly Services
May 2018 - May 2019 (1 year)
Reconciled financial data, analyzed branch revenue, monitored labor costs, and produced compliance reports to improve operational transparency and controls.
Staff Accountant & Risk Analyst
International Bancard
Dec 2016 - Apr 2018 (1 year 4 months)
Investigated merchant processing anomalies, performed AR/AP and ACH reconciliations, and enforced financial controls to mitigate fraud and operational risk.
Sr. Operations Specialist
International Bancard
Oct 2015 - Dec 2016 (1 year 2 months)
Supported onboarding, reviewed applications, and collaborated with underwriting to assess risk exposure and streamline operational workflows.
Sr. Sales & Operations Rep
Sterling Payment Technology
Jul 2012 - Sep 2015 (3 years 2 months)
Assessed credit risk for new accounts, ensured PCI compliance, and managed chargeback investigations to protect revenue and compliance posture.
Education
Degrees, certifications, and relevant coursework
Eastern Michigan University
Master of Arts; Bachelor of Science, Economics
Completed graduate and undergraduate studies in economics and related quantitative fields at Eastern Michigan University.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Job categories
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