Tony Matlock Jr. is a highly organized professional with over 15 years of experience in financial services including mortgage lending, loan processing, underwriting, and compliance. He has held roles as an IT support specialist, loan officer, assistant branch manager, branch manager, and mortgage compliance specialist. Matlock has strong analytical skills and the ability to adapt to changing environments and diverse stakeholders.
Compliance Reviewer with more than 12 years of business experience across industries. Demonstrated proficiency in ensuring that major financial institutions maintain compliance with state and federal banking and lending regulations. Accomplished in conducting comprehensive compliance reviews and remediating deficiencies through changes in policies and procedures that deliver cost-savings and increased accuracy. Skilled in educating and training staff on regulatory changes. Well-versed in Dodd-Frank Wall Street Reform and Consumer Protection Act, the Regulatory Home Mortgage Disclosure Act (HMDA), and the Statement of Financial Accounting Standards (SFAS). Key skills encompass:
Regulatory Compliance Mortgage Credit Compliance HMDA Policies
Risk Management Reports & Documentation TILA/RESPA
Fair Credit Lending Laws Requests Quality Assurance
Policies & Procedures Electronic Loans Filing Relationships
Compliance Reviewer with more than 12 years of business experience across industries. Demonstrated proficiency in ensuring that major financial institutions maintain compliance with state and federal banking and lending regulations. Accomplished in conducting comprehensive compliance reviews and remediating deficiencies through changes in policies and procedures that deliver cost-savings and increased accuracy. Skilled in educating and training staff on regulatory changes. Well-versed in Dodd-Frank Wall Street Reform and Consumer Protection Act, the Regulatory Home Mortgage Disclosure Act (HMDA), and the Statement of Financial Accounting Standards (SFAS). Key skills encompass:
Regulatory Compliance Mortgage Credit Compliance HMDA Policies
Risk Management Reports & Documentation TILA/RESPA
Fair Credit Lending Laws Requests Quality Assurance
Policies & Procedures Electronic Loans Filing Relationships
Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs. Diligent, detail-oriented and thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing.
Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs. Diligent, detail-oriented and thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing.
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T O N Y M A T L O C K J R
PROFESSIONAL PROFILE
Highly organized analytical professional with superior goal setting, decision-making, and problem solving skills.
Solid reputation for being able to excel in changing environments and adapting to diversity in all its forms. Adept
in analyzing data, risk management, underwriting, collections, loan closing, mortgages, loan processing, handling
multiple projects at once, and liaising with stakeholders to complete tasks. Keeps pace with changes in various
industries and evolving needs. Strong ability to identify, develop and sustain a network of people and other
resources for tasks. Able to execute strategic initiatives in a methodical approach.
PROFESSIONAL EXPERIENCE
June 2015 – August 2015 SunTrust Mortgage (Apex) – Richmond, VA
IT Support Specialist/End User
Performed intake activities to the support of end-users.
Guided, educated and resolved problems from loan officers, closers, originators, underwriters,
Processors, and loan officers assistants.
Followed established methodologies and procedures to determine end-users problems and provide a
solution.
Work with the outside vendor(Black Knight) to coordinate fixes related to user issues or system
defects
Interact with production services, software systems engineering, applications support, and/or
applications development to restore service and/or identify and correct core problem.
Assisted in the testing of new application versions, fixes and enhancements with Empower &
Lending Space LOS systems.
Worked with users to document required changes to the system and translate those requirements into
an application solution.
Worked with users to document required changes to the system and translate those requirements into
an application solution.
March 2011 – February 2015 Mariner Finance – Chester, VA
Assistant Branch Manager/Loan Officer
Managed the daily operations of the branch; pro actively reviewed daily levels of staff coverage,
monitored and approved daily expenditures, handled cash draw management and daily branch
deposits.
Originated Loans via online and phone loan applications.
Assessed clients credit risk by verifying and analyzing credit reports from three major credit bureaus.
Analyzed delinquent and non-reporting trade lines over past 60 days
Processed Loans, by verifying income, employment and residency along with determining client’s
debt to income ratio.
Underwrote loans that involved combining debt to income ratio, FICA scores, and loan to value
before determining client’s credit approval for potential loan.
Closed loans by scheduling loan closings at local branch, reviewed and provided loan details from
loan agreement, sales contract, optional protection forms, and right to rescind
Servicing loans 30 to 180 days delinquent by working out effective repayment options in addition to
reviewing accounts facing charge off.
Outside marketing by visiting existing and new businesses and vendors to maintain and establish
business relationships.
Internal sales by recommending counteroffers of additional loan and banking products.
2. June 2010 – February 2011 SunTrust Bank – Richmond, VA
Mortgage Compliance RESPA Specialist
Handled mortgage compliance regulatory requests and inquiries from clients in Retail, Broker, and
Correspondent areas.
Ensured timely implementation of controls.
Monitored system processes to ensure that data in the system is accurate and up to date and resolved
issues with HUD 1 & GFE in a timely manner.
Assisted with loan servicing compliance audits including setting the audit scope as well the
implementation and procedural changes for RESPA, TILA, MDIA and other Regulatory
requirements.
April 2006 – May 2010 CitiFinancial Inc. – Ashland, VA
Branch Manager/Mortgage Loan Officer
Managed the daily operations of the branch; reviewed daily levels of staff coverage, monitored and
approved daily expenditures, handled cash draw management and daily branch deposits, daily,
monthly and quarterly loan goals, forecasted and projected branches profit and loss, and
delinquency.
Trained loan officers on loan and insurance products. Supervised and coached teams on the proper
behaviors, sales techniques, service expectations and compliance guidelines.
Developed new business, retained customer, managed loan portfolios as well as originated, closed,
processed, and serviced all personal, auto, and real estate loans.
Approved personal loans, equity loans, first and second mortgages by adhering to extensive
underwriting guidelines.
Closed real estate, personal and auto loans in the branch.
Communicated and assisted clients process loan documents (note, deed of trust, credit life, disability forms
right of rescission, appraisals, title search, GFE, HUD1, RESPA/TILA)
Ordered, recorded and notarized deed of trust, cleared title on title search, reviewed appraisal
comparisons.
Processed Loans, by verifying income, employment and residency along with determining client’s
debt to income ratio.
Evaluated income challenged consumers to determine loan modification eligibility for loss mitigation.
Responsible for making sound credit decisions for clients ensuring consistent application of
underwriting standards for personal loans, auto secured loans, sales finance accounts and mortgage
loans. Analyzed and handled credit and delinquency decisions related to complex accounts.
EDUCATION
2004 - 2005 ITT Technical Institute Midlothian, VA
Major: Electronic Engineering (Expected May 2017)
SUMMY OF SKILLS & COMPETENCIES
Microsoft Word PowerPoint Excel
Loan Underwriting
Real Estate Appraisal
Post Loan Closing
Mortgage Originating
Credit Analyst
Insurance Sales
Loan Modification
Title Clearance
Mortgage Closing
Mortgage Processing
Financial Services
Auto Financing
Outlook
Deed Recording
Mortgage Compliance
Management-Trainer
Banking
Collections