JESUS QUINONES
Denver
Summary
Results-driven professional with a strong background in mortgage and master servicing. Developed and executed policies and procedures that improved default support functions and streamlined operations. Oversaw servicing practices to ensure adherence to state and federal regulations. Experienced in 10 Key, Microsoft Office Suite, FISERV, Blacknight, SBO 2000, LSAMS, LUSY, Appian, and ACES.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Comprehensive Housing Counselor
Douglas County Housing Partnership
12.2022 - 08.2025
- Delivered homebuyer education classes following CHFA curriculum guidelines.
- Counseled foreclosure program participants to support homeownership retention.
- Managed processing of loan payments, including checks and ACH transactions.
- Created weekly and month-end reports detailing received funds for accountants.
- Composed payoff statements and finalized loans in servicing software.
- Performed inspections of subsidized housing to comply with HUD quality standards.
- Led training sessions for staff on counseling and loan servicing protocols.
Post Purchase Portfolio Analyst
Redwood Trust
03.2022 - 08.2022
- Collaborated with internal departments and external partners to facilitate smooth operations.
- Maintained up-to-date knowledge in loan administration, documentation, and investor reporting practices.
- Reconciled remittance reports while resolving any discrepancies through in-depth research.
- Processed daily cash activities alongside bank account reconciliations for accuracy.
- Executed transactions related to purchases, sales, repurchases, and securitizations of loans.
- Validated expenses, advances, and servicing compensation based on agreements established.
- Generated outgoing wire requests to streamline payment processes.
- Reviewed monthly remittance statements for securitized assets to ensure correctness.
Compliance Analyst
Computershare (Specialized Loan Servicing)
01.2018 - 03.2022
- Conducted comprehensive loan-level audits for mortgage servicing operations across GSE and FHA servicers.
- Analyzed and documented audit results, presenting reports to Vice President of Compliance.
- Reviewed operational policies and procedures for compliance with federal financial regulations.
- Executed detailed testing at loan level to validate conclusion integrity and control effectiveness.
- Ensured timely and accurate completion of compliance testing responsibilities within the department.
- Participated in continuous training to enhance understanding of mortgage servicing regulations.
- Maintained familiarity with investor requirements to align departmental practices with industry standards.
Transfer Project Coordinator (Temporary)
Bayview Loan Servicing
06.2017 - 10.2017
- Developed, maintained, and leveraged the relationship between BLS and Prior Seller/Servicers.
- Ensured all required documentation and data was received timely from the Prior Seller/Servicer.
- Distributed data and documentation received from Prior Seller/Servicer to the applicable business units within BLS; validate adequacy of data and documentation received with the appropriate business unit.
- Assisted external business units in validating critical fields on the servicing system were accurately populated.
- Completed miscellaneous duties and assisted with special projects assigned by senior management.
Quality Control Analyst
Clayton Fixed Income Services
05.2015 - 10.2016
- Areas of concentration were Loss Mitigation, Collection practices.
- Assisted with the development and new testing methods as required.
- Identified and troubleshot existing testing methodologies.
- Served as liaison between component analyst and management.
- Responsible for the training of new employees and kept existing employees up to date with any policy or procedure changes.
Compliance Analyst
08.2014 - 05.2015
- Conduct servicing reviews mainly in the loss mitigation stages to determine compliance with GSE and regulatory policies (National Mortgage Settlement, Consumer Financial Protection Bureau and Making Home Affordable), using a software application with advanced audit scripts to ensure adherence to the appropriate client review criteria, depending on individual scopes of work. Conducted reviews and findings were then entered into the company’s proprietary review system.
- Demonstrated knowledge of Servicing policies and procedures in a changing regulatory and secondary environment.
- Areas of concentration were Loss Mitigation, Collection practices.
- Demonstrated relevant skills and experience in the mortgage servicing and default industry.
- Demonstrated knowledge of general servicing practices, current legislative directives (CFPB), as well as general knowledge of loss mitigation techniques including initiatives under the Making Homes Affordable Act (i.e HAMP and HAFA, etc.)
Component Servicing Analyst II
Digital Risk
08.2013 - 08.2014
- Conduct servicing reviews to determine compliance with GSE and regulatory policies, using a software application with advanced audit scripts to ensure adherence to the appropriate client review criteria, depending on individual scopes of work. Conducted reviews and findings were then entered into the company’s proprietary review system.
- Demonstrated knowledge of Servicing policies and procedures in a changing regulatory and secondary environment.
- Areas of concentration were (Collections, Loss Mitigation, Foreclosure, Bankruptcy, Investor Reporting, REO and Escrow Administration)
- Demonstrated relevant skills and experience in the mortgage servicing and default industry.
- Demonstrated knowledge of general servicing practices, current legislative directives, as well as general knowledge of loss mitigation techniques including initiatives under the Making Homes Affordable Act (i.e HAMP and HAFA, etc.)
Bank Reconciliation Specialist
NATIONSTAR MORTGAGE
07.2012 - 08.2013
- Responsible for preparing assigned monthly reconciliations of various clearing and balance sheet accounts and of PI accounts (Principal and Interest) for investors which include Private MBS or Special Servicing.
- Timely and accurately reconciled assigned monthly schedule/schedule, actual/actual, schedule/actual and Daily Simple Interest accounts with unpaid principal balances varying from 1 million dollars to 700 million dollars.
- Cleared all exceptions identified after performing the monthly test of cash for all accounts and allocated funds accordingly on the monthly remittance reports to ensure funds are cleared or funded accurately within the custodial accounts.
- Reviewed processes and procedures and recommended to management to improve quality.
- Strict adherence to the Private Investor Servicing Agreements, Reg AB, USAP and other guidelines for timely and accurate reporting, remitting and reconciling.
- Other duties, running queries and special projects as assigned.
Senior Default Analyst
AURORA LOAN SERVICES LLC
02.2007 - 04.2012
- Manage servicer performance issues surrounding timeline compliance for loans in 90+, foreclosure, loss mitigation, bankruptcy, and REO. Identify reporting issues and provide resolution to servicers. Identify loans incurring a substantial loss due to timeline delays or litigation and determine next appropriate course of action. Monitor internal SBO tracking reports to ensure servicer and SBO timeline compliance.
- Achieved excellent performance reviews for the past two consecutive years.
- Rated #1 for timely and successful completion of monthly processes.
- Created an Excel tool that allowed the high risk analyst to accurately calculate the number of days a servicer should be curtailed due to an error on the servicer’s part.
- Streamlined work processes by creating numerous reports, macros, and queries in Excel and Access.
Default Support/Team Lead
SPECIALIZED LOAN SERVICING
11.2004 - 03.2006
- Maintained responsibility for a multitude of delinquency management support activities. Determined the course of action needed to protect investor’s interest including reinstating senior liens, bidding at senior lien sales, and recommending junior liens for charge off. Monitored junior liens through foreclosure, reviewed, prepared, and documented NOI requests for collection department. Referred new foreclosure files to appropriate attorneys with inset guidelines. Ordered all collateral documentation needed for the foreclosure process and trained all new employees.
- Collected more than 600K in excess proceeds by creating and implementing a process to follow up with courts and attorneys after a senior lien sale.
- Promoted to Team Lead and managed 10 employees.
- Entrusted as sole employee to draft foreclosure bids and submit to investors for approval.
Education
Business Management and Criminal Justice
Metropolitan State College of Denver
01.2004
Skills
- Team Training/Supervision
- Solutions Building
- Streamlining Processes
- Business Communications
- Research & Analysis
- Increasing Efficiency
- Reporting Activities
- Strategic Planning
- Problem Solving
ADDITIONAL EXPERIENCE
- Loan Processor, Pulte Mortgage Corporation (Jul 2004 to Nov 2004)
- Loan Coordinator, First American Nationwide Documents (Jun 2003 to Jul 2004) Loan Officer/Processor, Premier Funding Source (Jun 2002 to Aug 2003)
- Production Specialist, Rainsflo Manufacturing (Oct 1998 to Jun 2002)
Certification
Housing Quality Standards Inspection License
HUD Housing Counselor Certification
Timeline
Comprehensive Housing Counselor
Douglas County Housing Partnership
12.2022 - 08.2025
Post Purchase Portfolio Analyst
Redwood Trust
03.2022 - 08.2022
Compliance Analyst
Computershare (Specialized Loan Servicing)
01.2018 - 03.2022
Transfer Project Coordinator (Temporary)
Bayview Loan Servicing
06.2017 - 10.2017
Quality Control Analyst
Clayton Fixed Income Services
05.2015 - 10.2016
Compliance Analyst
08.2014 - 05.2015
Component Servicing Analyst II
Digital Risk
08.2013 - 08.2014
Bank Reconciliation Specialist
NATIONSTAR MORTGAGE
07.2012 - 08.2013
Senior Default Analyst
AURORA LOAN SERVICES LLC
02.2007 - 04.2012
Default Support/Team Lead
SPECIALIZED LOAN SERVICING
11.2004 - 03.2006
Business Management and Criminal Justice
Metropolitan State College of Denver