Summary
Overview
Work History
Education
Skills
Timeline
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Kenneth Hammond

Phoenix

Summary

Detail-oriented and highly organized professional with experience in mortgage closing and QA manual testing, seeking to leverage a strong foundation in compliance, documentation accuracy, and analytical testing within a dynamic organization. Proven ability to manage closing processes, review legal and financial documents, strong working knowledge of T.R.I.D. experience with encompass, and various related systems, and ensure end-to-end quality assurance in software applications. Skilled in cross-functional communication, issue tracking, test case development, and regulatory compliance. Adept at working under strict deadlines, identifying discrepancies, and delivering high-quality results in both financial and technical environments.

Overview

15
15
years of professional experience

Work History

Quality Assurance Analyst

Kinective
08.2022 - Current
  • Develop, document, and execute test cases for cash flow management applications.
  • Perform thorough manual testing of cash flow processes to ensure accuracy and compliance.
  • Validate data integrity and consistency in cash flow reports and databases using SQL queries.
  • Collaborate with developers and business analysts to identify testing requirements and ensure quality standards are met.
  • Identify, document, and track defects and issues found during testing phases.
  • Participate in requirements gathering and design review sessions to understand business needs.
  • Provide feedback and suggestions for improvements in testing processes and cash flow systems.

Closing Disclosure Analyst

Nations Lending
09.2020 - 03.2022
  • Advance files to Quality Control Review
  • Completing a thorough review of the Calyx Point loan file, Closing Cost Worksheet and Closing Disclosure
  • Revising/updating necessary costs and fees associated with the loan
  • Ensuring completeness and accuracy throughout all Point Forms
  • Accurately completing the Track > Agent List screen if/when needed
  • Ensuring correct escrows
  • Transfer of data to Encompass
  • Generating, through Encompass, the initial Closing Disclosure
  • Uploading the initial CD to Encompass EFolder
  • Submitting CD to QC department for review
  • Making any corrections required to ensure 100% compliance prior to delivery to the borrower(s)
  • Constant and thorough communication with Processors and Loan Officers

QA Analyst II

Wells Fargo
08.2019 - 04.2020
  • Conduct quality assurance reviews and the development and execution of test plans and test scripts based off functional and business requirements.
  • Works directly with the development team and business team to help determine the best resolution to defects and/or system enhancements.
  • Analyzes, tests, and certifies application-specific software and performs ambiguity reviews of business requirements and functional specification documents.
  • Testing and verification of Web Services messages sent and received to and from connecting applications.
  • Access Management testing of Active Directories and Web Service connectors.
  • Verify accurate data mapping between applications.
  • Back-end SQL testing.
  • Partnering with our application development teams to clarify requirements and identify risks and incompatibilities with design to ensure certification of code with quality.

Loan Closer

Eagle Home Mortgage
09.2015 - 12.2018
  • Delivered complete and accurate closing documents to the necessary closing offices at least 48 hours prior to closing.
  • Reviewed all information in Loan Origination System required to close a loan.
  • Wired necessary funds to the closing agent within the required time frame.
  • Reviewed and approved the final CD from the closing agent prior to authorizing the closing agent to fund the loan and release keys to the borrower.
  • Became familiar with investors and State's closing requirements, forms and procedures and comply.
  • Checked all loan documents for correctness and accuracy prior to funding.
  • Coordinated closings with escrow coordinators, Branch Managers and Loan Officers. Interface with processors and borrowers as needed to collect conditions of approval.
  • Anticipated loan-closing requirements and maintain the proper timeline to manage funding volume in order to meet funding goals.
  • Monitored fees being charged, collected, and waived to ensure proper collection of fees and revenue.
  • Followed up and obtained documents and/or corrections noted by Post Closing Department or investors.

Sr. Loan Closer

Compass
07.2012 - 08.2015
  • Prepared Mortgage Closing Document and oversaw the final real estate closing transaction.
  • Communicated with internal and external customers, which may have included the closing agent, loan officer, processors, underwriter, post-closing, borrowers, realtors, builder and other banking divisions.
  • Knowledge of CONV, FHA, VA CPERM and compliance guidelines.
  • PC knowledge with ability to adapt to mortgage/consumer division's current software.
  • Participated in the funding of mortgage transactions and coordinated such funding with closing agents via wire transfer and /or checks.
  • Performed audit, review and prepared real estate/other loan packages for loan closings.

Sr. Loan Closer

Chase Bank
06.2010 - 07.2012
  • Maintained all departmental cycle time, service and volume standards, ensuring all closing documents were issued timely and accurately.
  • Prepared closing documents, received incoming loan titles, performed loan data entry and sent out applicable disclosures.
  • Worked hand in hand with Title Company to ensure closings were smooth, easy and in adherence to Chase policies and procedures.
  • Reviewed incoming HUD-1 documents for compliance with program guidelines.
  • Handled and resolved all post-closing loan issues.

Education

High School Diploma -

Eisenhower High
Rialto, CA
06-1996

Skills

  • Quality assurance
  • Quality processes
  • Data analysis
  • Mentoring and training

Timeline

Quality Assurance Analyst

Kinective
08.2022 - Current

Closing Disclosure Analyst

Nations Lending
09.2020 - 03.2022

QA Analyst II

Wells Fargo
08.2019 - 04.2020

Loan Closer

Eagle Home Mortgage
09.2015 - 12.2018

Sr. Loan Closer

Compass
07.2012 - 08.2015

Sr. Loan Closer

Chase Bank
06.2010 - 07.2012

High School Diploma -

Eisenhower High

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Kenneth Hammond