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Relationship Manager Resume

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New Jersey, NJ

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EDUCATION

  • Confidential, M.B.A. - Project Management: Expected date of completion 9/2014
  • Confidential, B.S. - Finance and Accounting 2/2012

PROFESSIONAL EXPERIENCE

Confidential 12/12 – Present
FHA/VA Underwriter Auditor

  • Audited previously underwritten files for the Dept of Treasury on FHA and VA loans.
  • Recalculated income given by the borrower using government systems such as Sales force and Web Direct.
  • Determine harm and error from decision by investor for potential incentive to borrower using Radar Protocol system.

Confidential 6/2011 – 12/2012 
Relationship Manager

  • Manage an account portfolio consisting of FHA, FNMA, FHLMC, Private and Chase Asset loans.
  • Recommend alternatives to foreclosure including modification, repayment plan,
  • reinstatement, short sale, and deed in lieu.
  • Control the modification decision process from start to finish.
  • Evaluate and respond to foreclosure inquiries.
  • Oversee complex account relationships with an emphasis on financial analysis and credit.
  • Coordinate with other departments to ensure accurate final decisioning.

Financial Analyst, III

  • Receive, comprehend and research investor repurchase demands.
  • Compile general loan information in support of servicing deficiencies.
  • Penalty fee assessment.
  • Mitigate financial losses caused by government, attorney or servicing errors.
  • Loan File Review: review historical loan documents for errors and omissions.
  • Coordinate and complete special projects for management.

Confidential 1/2010 – 12/2010 
HAMP Processor/Underwriter

  • Underwrote loan modifications utilizing Debt-to-Income Ratios, Assets and Financial Worksheets.
  • Prepared client documents for submission to the lender and the Department of the Treasury.
  • Negotiated with GSE’s and Non-GSE’s for proprietary modifications and the HAMP program.
  • Analyzed borrower and loan information to forecast modified loan performance.
  • Ensured subordinate liens were satisfied upon modification of the loan.
  • Facilitated communication between the Office of the Attorney General and Chase to provide qualified borrowers with settlement offers.

Confidential 5/2007 - 11/2009 
Sr. Loan Processor

  • Managed processing department.
  • Reviewed every loan submitted for adherence to government policies and procedures.
  • Processed loans for various lenders by studying each lender’s specific processes and guidelines.
  • Assembled documents for submission to underwriters.
  • Acquired fundamental knowledge of FHA, USDA, Purchase, Conventional, and Reverse Mortgages.
  • Performed quality reviews on team member document submissions.

Confidential 10/2004 - 4/2007 
Licensed Realtor

  • Listed and sold homes.
  • Performed consumer market analysis.
  • Provided consultation services for pricing and usage of homes.
  • Set up and managed office systems.
  • Developed office procedures to streamline paper flow and improve time management and accuracy.
  • Oversaw advertising and marketing to promote business.

SKILLS

Proficient in MS Office: Outlook, Word, Excel, Visio, PowerPoint and Access; Mortgage Service Platform (MSP); LIV; LPS Desktop; Calyx Point, Encompass, Genesis (loan origination software), Desktop Underwriter, Loan Prospector; Typing 55 wpm.

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