Summary
Overview
Work History
Education
Skills
Websites
Education And Licenses
Timeline
Generic

KIMBERLY COPPRUE

Atlanta

Summary

Adept at spearheading major projects and enhancing operational efficiency, my tenure at EMERSON GRAY & YOUNG INVESTMENT GROUP showcased a blend of strategic planning and team collaboration. Achievements include a 35% portfolio value increase and a comprehensive quality control system, leveraging skills in regulatory compliance and data analysis.

Overview

7
7
years of professional experience

Work History

Project Manager

EMERSON GRAY & YOUNG INVESTMENT GROUP
Atlanta
10.2019 - Current
  • Company Overview: Emerson Gray & Young is a real estate investment firm specializing in acquiring, renovating, and selling distressed properties for profit
  • Reported to the Principle Managing Partner, overseeing real estate restructuring projects, construction budget management, and regulatory compliance
  • Executed strategic property acquisitions and sales ensuring adherence to regulations and investor guidelines
  • Spearheaded the organization's construction budget management for residential real estate projects, optimizing resource allocation and implementing cost-saving measures; achieved a 15% reduction in renovation expenses improving QC standards
  • Orchestrated collaborative efforts with partners in executing final property sales by reviewing all required client purchasing documents pre-acquisition; due diligence led to a 20% increase in property closings and a 30% reduction in post-sale disputes
  • Implemented a comprehensive quality control system for property renovations, ensuring adherence to local building codes and investor standards; resulted in a 50% reduction in post-renovation issues and increased property values by an average of 25%
  • Instituted weekly meetings to facilitate communication between project managers and general contractors, addressing project timelines, budgetary updates, and productivity; improved project efficiency by 30% and reduced timeline overruns by 40%
  • Developed and implemented a data-driven approach to property selection and market analysis, resulting in a 35% increase in portfolio value over two years; strategic initiative improved ROI on fix-and-flip projects by 20%
  • Administered operational budgets ensuring timely customer service and project implementation; achieved a 95% on-time project completion rate, enhancing client satisfaction and boosting repeat business by 25%
  • Emerson Gray & Young is a real estate investment firm specializing in acquiring, renovating, and selling distressed properties for profit

Regulatory Compliance Analyst

BANK OF ENGLAND MORTGAGE
Little Rock
10.2020 - 05.2022
  • Company Overview: Bank of England is a lender that provides mortgage solutions while ensuring compliance through rigorous quality control and operational oversight
  • Under the direction of the AVP of Compliance, oversaw compliance with federal and state mortgage regulations
  • Led monitoring procedures and enforced operational compliance with RESPA, TILA, and state mortgage license agencies across multiple departments
  • Conducted comprehensive reviews of new and pending federal laws and regulations affecting mortgage lending practices, ensuring 100% compliance with ECOA, Reg Z, TILA, and Reg X
  • Implemented a tracking system that reduced compliance-related errors by 40%; spearheaded the implementation of new TRID guidelines, verifying accuracy and consistency resulting in a 40% reduction in TRID-related compliance and QC issues
  • Collaborated with Mortgage Operations and Underwriting teams to guarantee proper form usage and disclosure practices, maintaining compliance tolerances; this proactive approach resulted in a 30% reduction in compliance-related loan rejections
  • Developed and delivered compliance training programs, educating staff on new and existing laws and regulations; initiatives improved overall compliance awareness by 50% and reduced regulatory violations by 35%
  • Overhauled the company's internal QC plan, incorporating compliance-related changes and best practices that yielded a 40% improvement in audit performance and a 20% reduction in compliance-related risks
  • Managed the submission of all mortgage banker and broker state license applications and renewals, ensuring 100% compliance with SAFE Act requirements for loan registrations; implemented a digital tracking system that reduced licensing delays by 60%
  • Bank of England is a lender that provides mortgage solutions while ensuring compliance through rigorous quality control and operational oversight

Bank Operations QC Analyst

AAA Bank
Dearborn
01.2018 - 04.2020
  • Company Overview: AAA Bank offers a range of banking services, with a strong emphasis on compliance and quality control in mortgage lending solutions
  • Reported to the QC Manager, supporting the QA team in ensuring the accuracy and compliance of mortgage and consumer loans
  • Executed review and analysis of loan files, identified potential risks, and corrective actions to maintain loan origination quality
  • Executed rigorous reviews of mortgage and consumer loan files, conducting pre-funding and post-closing audits to ensure compliance with secondary market and requirements; implemented a streamlined review process increasing efficiency by 25%
  • Spearheaded the annual regulatory submission of HMDA and CRA data, developing a comprehensive data validation and remediation process; improved data accuracy by 40% and reduced regulatory scrutiny
  • Provided subject matter expertise on HMDA, HMDA Plus, and CRA reporting, interpreting complex performance analysis reports and documenting factors impacting the bank's performance; insights led to a 15% improvement in CRA ratings
  • Collaborated with cross-functional teams to develop an operational oversight strategy, focusing on ongoing data quality improvement; implemented data integrity checks that reduced errors in loan applications by 30%
  • Conducted in-depth Consumer Compliance, Consumer Booking, and Consumer Compliance-Adverse Action reviews, ensuring adherence to fair lending practices; resulted in a 50% reduction in consumer complaints related to compliance issues
  • Authored comprehensive monthly reports on QC Reviews and Mortgage Adverse Action Reviews, providing actionable insights to leadership stakeholders; yielded a 20% improvement in decision-making processes through risk mitigation strategies
  • AAA Bank offers a range of banking services, with a strong emphasis on compliance and quality control in mortgage lending solutions

Education

Bachelor of Science (BS) - Bus Adm/Management

Wayne State University (Mike Ilitch School of Business)

Real Estate License -

Michigan

Skills

  • Strategic Planning
  • Team collaboration
  • Staff training and motivation
  • Budget Oversight
  • Loan Quality Assurance
  • Credit Risk Management
  • QC Analysis & Control
  • Stakeholder Engagement
  • Data Management
  • Property Management
  • Workforce Management
  • Investment Analysis
  • Cost Optimization
  • Client Relationships
  • Real Estate & Investors
  • Contracts & Due Diligence
  • Performance Optimization
  • Project Management
  • Regulatory Compliance
  • Data Analysis & Reporting
  • Microsoft Office 365
  • MS Teams
  • Word
  • Excel
  • PowerPoint
  • Outlook
  • OneDrive
  • Google Workspace
  • Marvent Mortgage Software
  • Desktop Underwriter
  • Encompass
  • Zoom
  • LinkedIn
  • Data Analysis Tools

Education And Licenses

  • Bachelor of Science (BS), Bus Adm/Management, Wayne State University (Mike Ilitch School of Business)
  • Real Estate License, Michigan

Timeline

Regulatory Compliance Analyst

BANK OF ENGLAND MORTGAGE
10.2020 - 05.2022

Project Manager

EMERSON GRAY & YOUNG INVESTMENT GROUP
10.2019 - Current

Bank Operations QC Analyst

AAA Bank
01.2018 - 04.2020

Bachelor of Science (BS) - Bus Adm/Management

Wayne State University (Mike Ilitch School of Business)

Real Estate License -

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KIMBERLY COPPRUE