Cathy Howard
@cathyhoward
I audit mortgage servicing files for regulatory compliance, accuracy, and defensible decisions.
United StatesWhat I'm looking for
I've audited mortgage servicing and loss mitigation files at Freedom Mortgage Corporation, applying FHA, VA, USDA, FNMA, and FHLMC guidelines to support accurate decisions.
As a Quality Control Specialist, I reviewed 20–75 payment deferral files daily, identified documentation and processing errors, and maintained a clear audit trail with processors and supervisors.
I've also finalized loan modification files, verified conversion calculations and notarized agreements, and monitored servicing-system task completion for downstream accuracy. I trained five new underwriters on file-review standards and guideline application.
Earlier at Seterus, I reviewed foreclosure pipelines, applied holds for bankruptcy and borrower activity, and coordinated contested foreclosure files with outside counsel. I bring careful documentation review, timely escalation, and quality-focused feedback to high-volume operations.
Experience
Work history, roles, and key accomplishments
Social Media Coordinator
The Job Hackers
Aug 2023 - Mar 2026 (2 years 7 months)
Managed global collaborations between graphics and editorial departments, leveraging Agile practices to streamline content publishing and maintain technical standards across diverse digital platforms.
Assisted customers in a high-volume retail setting during the holiday season.
Retail Associate
Enchanté Chocolatier
Sep 2023 - Jun 2025 (1 year 9 months)
Provided customer service in a specialty retail environment during peak seasonal periods.
Reviewed and processed loan files for compliance with FHA, VA, USDA, FNMA, and FHLMC guidelines, verifying documentation completeness and applying investor requirements. Trained 5 new underwriters and coordinated appraisals and title work.
Quality Control Specialist – Loss Mitigation
Jun 2020 - Sep 2021 (1 year 3 months)
Audited 20–75 payment deferral files daily against FNMA/FHLMC investor guidelines, identifying documentation and processing errors. Reviewed and finalized approximately 40 monthly loan modification files, verifying underwriters' final conversion calculations.
Foreclosure Sale Coordinator
Seterus
Nov 2016 - Jul 2018 (1 year 8 months)
Reviewed the daily pipeline of active foreclosure files in Black Knight and MSP, verifying holds before clearing eligible files to proceed to scheduled sale. Fielded time-sensitive attorney calls and applied holds to prevent erroneous sale processing.
Litigation Support Specialist
Seterus
Sep 2011 - Nov 2016 (5 years 2 months)
Reviewed and organized approximately 40 monthly borrower loan modification response packages, verifying dates, loan numbers, and supporting documentation. Managed contested foreclosure case files and coordinated the Florida Bulk Trial Program scheduling.
Education
Degrees, certifications, and relevant coursework
LinkedIn Learning
Business Analysis Foundations, Business Analysis
2023 - 2023
Completed the Business Analysis Foundations course in May 2023.
The Job Hackers MBA
Agile/Scrum, Agile/Scrum
2023 - 2023
Completed the Agile/Scrum course in August 2023.
University of Portland
Coursework, Business
Completed coursework in Business at the University of Portland.
Clackamas Community College
Associate of Science, General Studies
Associate of Science in General Studies from Clackamas Community College.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Salary expectations
Skills
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