QUALIFICATIONS

• Registered with Nationwide Mortgage Licensing System (MLO Number 945045) and Safe Act
• Extensive knowledge of underwriting, residential mortgage processing, and closing procedures
• Knowledge of the lending guidelines pertaining to government and conventional sector
• Familiar with the concepts of federal lending regulations governing real estate lending
• Extensive knowledge with Loss Mitigation, short sale, deed and Lieu, Bankruptcy and Foreclosure
• Competitive and time management skills- 4 year letter football award winner at Confidential University
• Hands on experience on how the banking and mortgage industry functions from an operational perspective.
• Strong Sale, negotiation and Customer Service skill with a focus on customer satisfaction and loyalty
• Ability to multitask while providing quality work and research and analyze information using search databases
• Quick learner, ability to work in a team and independently
• Extensive Automated Underwriting System, accounting, and MS Office application experience and auditing accounts

WORK HISTORY

Confidential Mortgage Specialist 2012- Present

• Plan the various financial activities of the organization by maintaining a healthy balance between incomes and expenses
• Verify the accounts to find out any discrepancies, errors and miscalculations. Make corrections, wherever necessary
• Maintain proofs of payment claims made by creditors in form of contracts, payment receipts, reminder letters and bank statements
• Follow up with debtors to ensure timely receipts of dues. Coordinate with them to revise payment rules, in case of default
• Ensure the organization maintains financial reserve to meet emergencies effectively

Confidential Business Analyst June 2011 – January 
(Paid internship)

• Created, maintained, and communicated key performance metric databases and reports used to help optimize capital asset utilization, service level, and financial performance.
• Provided effective user support for interpreting and acting on reports and implemented productivity improvement projects.
• Served efficiently as team lead and participant on special projects including work process redesigns and cost reduction projects.
• Designed and maintained supply chain networks using modeling and analysis.
• Developed standard operating procedures, reference documents, and electronic literature.
• Developed and maintained strong relationships with customers and carriers to meet with the customer\'s goal and requirements with transportation of freight.
• Negotiated rates for logistics’ services.
• Responsible for qualifying carriers, growing revenue thought sales,
• Communicate and deliver important information both verbal and written with speed and in a completely transparent respectful way.
• Additional responsibilities include auditing accounts, balancing accounts payable and receivables, tracking shipments, soliciting truck loads, coordinating pickup and delivery schedule, and resolving discrepancies.

Confidential Mortgage Specialist Manager June 2009 – June 2011

• Manage pipeline of conventional, government, and portfolio loans.
• Process all loans, including the most complex files.
• Evaluate loan documentation and clear conditions as per delegated authority, and Gained extensive experience in FHA, VA and Fannie Mae loans.
• Achieve and maintain internal training and certification for underwriting decision and delegated authority.
• Maintain high level of customer service by being proactive in communicating with the borrowers and loan originators.
• Ensure accurate, complete, and timely loan data on processing system.
• Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
• Review exception reports to ensure all tasks are completed.
• Serve as an intermediary for loan issues with Loan Originators and other related departments.
• Assist in training new hires.
• Take active role as an escalation point within the team based on experience and knowledge.
• Promoted to workflow operations department based of work ethic and performance including having a perfect audit passing rate.
• Research and annual auditing customers mortgage accounts to verify accuracy and correct any mishandling.
• Study the financial statements and investigate frauds, errors and areas of indebtedness
• Prepared many Excel spreadsheets that are currently useful for minimizing entry time and automatically cross-referencing for errors to boost work efficiency.
• Assist customers with loan modifications and foreclosure process and other mortgage needs with great communication and effectiveness.
• Awarded Employee of the Month twice off of performance.
• A perfect record of 40 post audit passes with 100% quality, which lead to a promotion to team lead over a group of 15 employees.
• Rewarded lunch by top executive for excellent work.

Confidential. Account Manager January 2007 – June 2010

• Organized account payables and account receivables from the sales of breeding’s.
• Organized and created budget for company’s financial report.
• Audit company’s account to verify accuracy and cost effectiveness.
• Promotions and advertising of companies’ identity and brand.

EDUCATION

· Bachelor of Business Administration, Confidential University

INTERESTS & ACTIVITIES

• Omega Psi Phi Service Fraternity: Chapter Vice President and Treasure
• Confidential “B” Student-Athlete Alumni Association
• Fellowship of Christian Athletes
• Mentor for University High School Waco, TX
• Volunteer Coach Skyline High School Dallas, TX

AWARDS RECEIVED

• 4 year letter winner for Confidential University Football-Special Teams Captain
• Dean’s List 2004,2005
• Who’s Who among America Students 2004, 2005
• Excellence in Mathematics 2004,2005,2006
• Winner of Capsim Management Simulations