SUMMARY:

• Talented Mortgage Professinal with various skills in Processing, Loss Mitigation, Reporting & Business Analyst skills.
• Proven results as a morrtgage loan processor and with 3 years of experience as a Mortgage Business Analyst.
• Excellent communication, analytical, interpersonal and presentation skills.
• Expert at managing multiple projects simultaneously.

TECHNICAL SKILLS:

• Windows XP
• Windows Vista
• Windows 2000
• Windows NT
• UNIX
• Linux
• Dos
• EDGE
• StatusMart
• AS400
• iPortal
• DataVision
• Various Mainframe Applications
• Visual Basic
• VBA
• ADSI
• MSMQ
• DNA
• ADO
• ODBC
• FPML
• HTML
• DHTML
• .NET
• Java
• JavaScript
• Visual Basic 6.0
• Portfolio Management
• Visio
• Microsoft Access
• Service Modeling
• SQL
• Excel
• Word
• Outlook
• Lotus Notes
• Internet Explorer
• MS PowerPoint
• DU/LP
• SX3
• SOA
• Desktop
• Navigation
• Wizard
• HP Quality Center
• Edge
• Loan IQ
• Data Mapping
• Webservices
• Mortgage Servicing Platform (MSP)
• SSP Lifecycle & Encompass

PROFESSIONAL EXPERIENCE:

Confidential, Charlotte, NC

Home Service Specialist

• Gained conventional underwriting authority by completing Bank of America SASE certifcation and testing
• Opened and processed residential mortgage loans including conventional, MHA, & NY CEMA (Consolidation, Extension & Modification Agreement) loans.
• Managed a pipeline of 50 - 70 active loans.
• Processed loans from the initial welcome call thru the post closing thank you call.
• Systems used AS400, EDGE, IPortal, Interact and Outlook.
• High performer, closed on an average of 25-30 loans a month.

Mortgage Business Analyst

Confidential

• Functional understanding on the industry supply chain management and economics
• Technical understanding on the industry suite of applications and application integration
• Functions included resolving complex business user issues, managing change requests through the systems development life-cycle and building and managing client business user relationships
• Reviewed, analyzed and evaluated user requirements and defines scope and objectives for new functionality, enhancement or remediation of internet site or mobile content to implement approved business strategies.
• Develops and maintains a Business Requirements Document (BRD) compliant with approved standards for completeness and level of detail.
• Involved in the creation, design and building of new business models, through to helping clients integrate and operate them
• Focus on project delivery for clients across business and government sectors

Confidential, Charlotte,

Loan Processor

• Review loan file to verify procedures per guidelines.
• Makes intro call to verify loan details and requests additional documentation if necessary.
• Reviews all documents retrieved against those requested, analyzes for accuracy and/or errors.
• Making right party contact within allocated timeframe and setting customer expectation for document delivery date.
• Manage pipeline of loans within required performance standards within closing and rate lock expiration time frame.
• Guarantee on time closing by completing all required pre-closing steps; preparing file for closer within required performance standards.
• Obtain and review customer documents, and clear conditions commensurate with authority level.
• Ensure integrity of all data and process inputs.
• Order necessary documents and follow-up with vendors/third parties to obtain in timely manner.
• Submit loans to underwriting for conditional review and full approval upon receipt of appraisal, once all DU conditions have been met and validated.
• Maintain monthly performance measurements: Timeliness, production goals, suspense, compliance/regulatory, and customer satisfaction.
• Exceed customer expectations by providing highest level of customer service.
• Obtained first level credit signature authority (AUSI) within time frame as defined by management.

Confidential, Charlotte, NC

Business Analyst

Responsibilities:

• Provide support for an application called 3 step
• Enhanced the automated refinancing system that is a homegrown web based application
• Skills in object, data, and / or process modeling, business process design
• Lean/Agile development experience QA experience preferred
• Excellent - strategic application of experience; Demonstrated experience leading requirements, data and systems analysis
• Outstanding negotiation, facilitation, and consensus building skills
• Ability to effectively communicate across multiple levels (Executive Sponsors to team members); Ability to communicate technical issues to non-technical individuals
• Assist consumers that only have Wells Fargo Mortgages, that need step by step assistance, regarding the entire mortgage process
• 3 step handles origination’s, fulfillment, the closing of the loan and then sells the loans to Freddie Mac or Fannie Mae
• Mentored team members in quality assurance procedures and processes and facilitated discussions on areas of improvement.
• C onstantly updated the system to be in lines with Fannie and Freddie regulations
• Developed and tested the Dodd Frank Form into the 3 step program

Confidential, Matthews, NC

Senior Loss Mitigation Negotiator

• Gathered the clients financial information, income, liabilities & assets
• Discussed the clients monthly budget and hardship with his/her lender in order to obtain the best possible workout solution
• Proposed budgets and loan modification workouts to all the national and local banks on behalf of the client(s)
• Trained new and existing employees on HAMP/Making Home Affordable Guidelines & other government agencies
• Meet clients face to face to discuss all retention options, Repayment Plan, Loan Modifications, Partial Claims (FHA), Fannie Mae Home Saver Advance, Short Sales & Deed in Lieu of Foreclosure

Confidential, Charlotte, NC

Quality Assurance

• Provided Cost Benefit Analysis of various Automation Tools
• Assisted with merger and transferring numerous applications and files for company transistion
• Responsible for the end-to-end testing of an array of Enterprise Financial Applications
• Suite of applications included software to support Corporate Asset Management/Investments, Fixed Assets, Risk Management, etc
• Increased QA team productivity through creation of robust and reusable test scripts utilizing HP Quality Center
• Made extensive use of HP/Mercury QTP and Compuware Test Partner
• Responsible for the setup and execution of entirely modular, portable Test Automation Frameworks for Enterprise-level software testing
• Utilize VBScript, VBA, SQL and other development languages to generate fully-integrated automation process
• Liaised with business users and technology for report development

Confidential, Charlotte, NC

Senior Loss Mitigation Negotiator

• Managing over 8000 files with servicers such as Bank of America, Wells Fargo, CitiMortgage, Ocwen, Litton and many smaller servicers.
• Negotiate within Investor guidelines, such as Fannie Mae, Freddie Mac & FHA
• Developed new relationships on a weekly basis with servicers and weekly conference calls
• Negotiate an affordable payment for borrower, responsible for submitting a workout plan and clear budget for members;
• Analyze financial documentation and make recommendations for loan modifications
• Traveled all across the USA, during the Save the Dream Tour, helped thousands of people at events
• Communicated proposals to members and answered any questions or concerns
• Determine the borrower’s credit worthiness, risk analysis, risk layering and setting of loan conditions
• Properly evaluate the borrower and property and determine whether member is eligible based on guidelines
• Analyzed the risk factors of a mortgage loan and rendered an underwriting decision

Confidential, Charlotte, NC

Short Sale Specialist

• Responsible for collections, loan servicing and other loss mitigation or recovery activities.
• Assist customers to establish full balance repayment plans or settlements.
• Negotiate terms for short sales and main liaison between the Loss Mitigation department and lenders/Realtors.
• Analyze financial documentation and make recommendations for loan modifications
• Knowledgeable of foreclosure laws for all 50 states, FDCPA Training
• Monitor delinquencies related to foreclosure and liquidation; Minimized unnecessary collection efforts and charge offs