OBJECTIVE:

• To share my expertise and diverse management skills with a company that can appreciate my hard work and loyalty. Ready to join a team environment with a positive outlook towards running a company. To help, the organizations grow, and prosper while allowing myself to achieve my maximum potential.

TECHNICAL SKILLS:

Skills: Point (Calyx) Software, Lloyd's Banking of London, Core Logic,QMR - Credit Reports, Loan Modification Specialist, Speed Pay, MPP, Lotus Notes, DU program, LP Program.I-portal, AS-400, Home Saver, Home Base, Microsoft Word Excel Spread Sheets, Reverse Search Fraud alerts.Residential & Commercial Loans, Sr. Processor, Loan Advisor, Jr. Underwriter, CMS/VLS, MSLV, Fortracs, Lender-Live, iVault, Exel, VOE- The Work Number Program, Java systems, Share-point. VLS, Recovery, CLW, Pmcs, Scra, Pacer. Data Entry, typing 65-75 w.p.m., 10 key by touch, DRI, Citi-Link, Mat Tool and File Net. =

PROFESSIONAL EXPERIENCE:

Confidential -Phoenix, AZ

Business Analyst

Responsibilities:

• Working on reviewing all documents, Elected for Note Sale, for Multi-Million Dollar Businesses, within Business Banking Dept. All documentation collected for Market Sale, Corporation to Private Investment. Understanding the bottom line fundamentals. Time frame, bottom line deadlines getting the job done. Articulate to every detail of the business review and managing work flow, independently working on special projects in a timely manner. Understanding procedures/workflow and bottom line productivity.

Confidential -Phoenix, AZ

MB-Specialist

Responsibilities:

• Balancing a workload consisting of customer modification requests at all stages of the process, including, communication of post-underwriting decisions and trail plan adherence and completion. Modification and declined seeing all aspects of the file from beginning to end. Including Following: Serve as the primary contact and approved third parties. BK, Active and Inactive files. Including, investors, attorneys, trustees and the courts. Assisting with decisions with, Underwriting/Quality Assurance. Keeping communication open with Underwriting, Bankruptcy, Loss Mitigation, Foreclosure and Service Member Civil Relief Act.

Confidential -Phoenix-AZ

Auditor-Quality Control Analyst

Responsibilities:

• Preparation and execution of audits/auto finance. Examines and analyzes accounting records. Excel spread sheets, working with attorneys in office for additional procedures and follow up meetings. Performing Quality Control/Audits work for a high-profile Special Project.

Confidential -Chandler, AZ

FHA Government Underwriter

Responsibilities:

• Underwrites residential loans with secondary market investor standards. Examines loan documentation for accuracy and completeness. Works with loan originator or production staff to secure all required documents. Have authority to withdraw and decline loans. May be involved in one or several types of mortgage lending (conventional, government-backed, etc.)Underwriter Skills: Strong analytical skills. investigating and problem solving. Strong oral and written communication skills. Excellent interpersonal skills. Modification and Forecloses Specialist. Excellent problem solving skills. And programs through the waterfall effect for FHA Loans. Thorough understanding of credit and an ability to review complex financial documents. Ability to assess an individual's creditworthiness while adhering to all regulatory and compliances requirements. Commitment to teamwork.

Confidential - Chandler, AZ

Auditing Team-Short Sales DIL Specialist, MLO-Sr Loan Services Specialist

Responsibilities:

• Auditing Teams Closing Short Sale Support Team. Working on 65 audits per week 3 unit team’s total. Designing graphs on Excel, updating files with Team Audits for file review on Warning Codes, Mail Codes, Liquidation, and Field Inspection. Risk Registers and Policies and Processes across the Bank, identify operational risks and control weaknesses and provide assurance. Phone Audits, Desk Audits. Conducting daily briefing meetings to set daily business.

Confidential -Phoenix, AZ

Senior, Underwriting, Loss Mitigation Loan Specialist III

Responsibilities:

• Calculating on income, DTI, personal business tax returns bank statements, W2’s tax returns bank statements final signing and locking in all rates to final or adjustable step rate program for underwriting approval. Accepting and/or Declining, Commercial, Residential and Modification Loans. Refinancing with Portfolio size three hundred files a month. Leading a Team of Processors and Customer Service Associates through achieving maximum client satisfaction and business margins.

Confidential -AZ

Underwriter II - Workout Negotiator Mitigation Specialist II

Responsibilities:

• Underwriter, for stand alone first or seconds/heloc. For FHA and/VA Loans Making sure package when received is a full package ready to be underwritten and has all the necessary information from processing. Would need the following documents to get started before working on such as pay-stub, bank statements
• 2 years of tax returns hardship letter if needed, lose and gain of earnings if self employed or CPA letter for investor approval with other documentation needed. Checking, all scenarios’ on every file. Always, thinking ahead to make sure that everything has been overseen. Re-calculating income and DTI, before final signing has been approved. A full package on every borrower, portfolio worked on over two hundred files at a time. Having full contact with the direct Investors on the loan assigned. Programs worked AS-400, Home Base, Home Saver, iPortal, LAFA & Financials.

Confidential

Accounting Specialist

Responsibilities:

• Working with clients on their accounts, for Accounting and money transfers to different banking accounts. Letting (leasing), Purchase and Sales accounts. Main contact with all Estate Agency offices in the surrounding London area. Checking and general banking accounts, accounting department for accurate transactions, tracking all accounts on current values. Excel Spread sheets, book keeping, computer software, and data entry, multi-tasking. Returning emails and taking queries on accounts with fellow colleagues from KF&H Estate Agency in surrounding London Metro area.

Confidential - Phoenix, AZ

Loan Officer/Office Manager (FHA LOANS)

Responsibilities:

• Successfully met stringent timeframes and helped company achieve sales objectives.
• Recruiting new contacts for Commercial and Residential loans.
• Underwriters, loan officers and outside lenders to facilitate seamless transactions.