SUMMARY

I am a Mortgage Professional with excellent communication/multi-tasking skills. I have been responsible for reviewing loans for accuracy and processing documents for originated applications. I have maintained appropriate records, files, documentation to support audits and loans. I have performed compliance testing for mortgage loans to ensure conformance with consumer regulatory requirements, investor requirements and company policies/procedures. I am skilled in LPS, MSP, SAP, AS400, Iportal, FDR, Excel, MS Word, Outlook.

EXPERIENCE

Confidential

Business Analyst

• Research documents from a Cit Bank website and data base.
• Upload legally required documents to First American website.
• Call counties to confirm if mortgage and modification are recorded.
• Mail out the correct affidavit to borrower's requesting certain information to complete their modification.
• Request recorded modifications and recorded titles through a program called NLS.

Confidential

Document Management Specialist

• Identify, analyze, interpret and disseminate home mortgage documents.
• Search electronic sources, such as digital databases or repositories for information to ensure compliance.
• Operate data capture technology and computer programs to import digitized mortgage documents into a document management system.

Confidential

Business Control Specialist

• Performed compliance testing for mortgage loans to ensure conformance with consumer regulatory requirements, Investor requirements and company policies and procedures.
• Assisted in identifying operational risks and escalating issues to management.
• Provided analytical support and insight to management regarding testing trends.
• Utilized designated databases to provide statistically valid reporting.
• Executed, organized, and prioritized testing in a timely manner, ensuring monthly deliverables are achieved while maintaining a 95 testing accuracy.
• Performed audit reviews as assigned , communicate and document findings.

Confidential

Curative Associative

• Performed clerical tasks to support timely escrow closings and title recordings.
• Conducted title research to compile chain of title.
• Created title files and prepares endorsements and supplemental documents.
• Investigated and interpreted tax records in order to determine tax liability.
• Provided customer service to customers and field escrow offices.
• Interpreted and acted on instructions from customers and title officers.
• Searched title plant records compiling chain of title.
• Used research to create and maintain files, records and reports.
• Audited loan calculations and legal documents for accuracy.

Confidential

Mortgage Documentation/Auditor

• Responsible for reviewing loans for accuracy and processing documents for originated application.
• Stay up to date on company, state and federal policies in regulation, mortgage industry.
• Ensured all originated loans are within state compliance and Federal Regulations.
• Assisted with implementing and monitoring corrective action due to audit or report findings.
• Utilized system to access, interpret and input information reports.
• Maintained appropriate records, files, documentation to support audits and loans.
• Reviewed all procedures for modification of the bank's standard loan data and guideline manuals.
• Performed other duties as assigned such as ensuring RESPA requirements are within compliance.

Confidential

Home Services Specialist II

• Processed real estate loans approved by an underwriters or an automated decisioning system within designated signing authority limits.
• Cleared conditions and issue changes to the terms on previously approved loans.
• Verified conditions of approval which includes customer income/assets documentation.
• Resolved routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances.
• Processed subordinations, resolved appraisal disputes depending on channel.
• Coordinated closing activities.
• Maintained a high level of customer service by strong communication skills with customers, banking center associates, realtors, vendors and contractors.

Confidential

Loan Processor

• Ensured all required applicant data is completed accurately in order to process information on SAP system.
• Reviewed all originated applications for accuracy and completeness to assist underwriting
• Tracked all offerings from inception to completion on a daily basis on an excel spreadsheet and update as required.
• Forwarded all pre-qualification letters to appropriate loan officers or selling agent for any final documentation to ensure final approval.
• Obtained insurance estimates for the loan amount to assist with proper escrow estimates.
• Responsible for maintaining database to track all REO's for Walter Investment inventory.
• Researched appraised values on homes for Walter Investment inventory.
• Reviewed all sales with management to ensured all sales, documents were properly filed.
• Interacted with the customer on a daily basis to gather all required documents and to provide superior customer service and answer customer inquiries.
• Handled all Bi-lingual customers and realtors in the Rio Grande Valley area.

Confidential

• Worked at a mail distribution center for civilian contractors, military personnel, and special missions.
• Worked under strict supervision due to the war time environment and dangerous contraband such as explosives being smuggled in and out.
• Alerted the appropriate Army officers of any illegal or dangerous contraband and document the incident.
• Work involved physical, fast paced continual lifting and lowering of packages and footlockers that typically weigh 20-75 pounds.
• Sorted and separated packages and footlockers to other bases in Iraq or to the United States.
• Processed incoming mail and maintained current personnel listing by route to aid in the mail delivery process.
• Responsible for processing detailed reports on excel spreadsheets a comprehensive contraband report for the Army, PNA report for all cancellations of convoys and damaged parcel, packages and mail for the Air Force.

Confidential

Regional Case Manager

• Managed assigned portfolios of Returned Checks and maximize money collected.
• Made and received inbound and outbound calls from customers and effectively resolved cases while adhering to local, state and federal regulations including FDCPA guidelines.
• Successfully completed comprehensive FDCPA interactive training and testing.
• Exceeded departmental quotas for number of cases worked, cash collected and overall collection percentages as well as call volume and QA averages.
• Worked Spanish Queue.
• Worked in a fast paced and stressful environment.

Confidential

Home Loan Construction Specialist

• Responsible for communicating with brokers, building contractors, modular home vendors, financial institutions and title companies.
• Obtained bank and W-9 information from custom home vendors, customers and contractors in order to process draw disbursements.
• Answered inquiries regarding loan disbursements, interest payments and extensions on loans.
• Assisted customers with setting up on-line accounts.
• Monitored a loan portfolio of accounts that had achieved maturity.
• Followed internal guidelines and processes as well as adhering to local, state and federal requirements and regulations.