SUMMARY

I am a motivated professional with strengths in problem solving, dispute resolution, and team building. Creative, analytical, detail oriented, and resourceful individual that puts forth the effort to accomplish objectives and self set goals in a timely manner. My drive and enthusiasm to exceed expectations makes me confident that I would be a great asset to your organization.

Professional History:

2012 - Present - Confidential
HL Modification Analyst (Underwriter) Contract
Review & Underwrite Loan Modifications for government (DOJ) Bank of America loans: Analyzing an ensure compliance with secondary investors to include but not limited for Capacity, Capital Condition Data Integrity to the following: Collateral, Credit, System Data Integrity, Approval/decline modifications per Agency Guidelines - all investors. Analyze document and perform income calculation per program/investor guidelines, review of credit reports, BPO's (appraisals), qualifying documents, and credit history. Verify all debt to income ratios and other calculations for final QA approval of Modifications.

2011 - 2012 - Confidential
HL Modification Analyst (Underwriting)
Quality Assurance for Customer Assistance Operations Specialists:
Analyze and review documents, approve 30 day/15 day MIL's, plan breaks, special condition Modifications (SRU, LAMP, HAMP) for the following investors (VA - FHLMC - FNMA - USDA - FHA - Private & Asset)
Accumulate and examen Data from Customer Assistance Operations Specialists.
Analyze and verify accuracy of all necessary documents prior to submission to underwriting, collection of fees/costs, title (when necessary), escrow, transcripts, BPO (interior/exterior) and verification of income and accuracy of documents utilized by Ops Specialist. Pass or Decline authority.
Review & Underwrite Loan Modifications for government loans: Analyzing for Capacity, Capital Condition Data Integrity, and Compliance including but not limited to the following: Collateral, Credit, System Data Integrity, FHA, FHLMC, USDA, VA. Examine all documents for perfection and perform income calculation per program/investor guidelines, review of credit reports, BPO's (appraisals), and credit history. Concluded with the waterfall for appropriate Modification, Approved/declined modifications per Agency Guidelines. Verified all loan calculation, documents, and system entries for final QA approval of Modifications.

2007 - 2010 - Confidential, Cochran, Georgia
Operations Manager/Owner
Managed the operation/staff of a consumer electronics service company specializing in the service and repair of consumer electronics under manufacturer warranty and extended warranty companies in addition to the sales & service of numerous wireless service carriers. Started the development and implementation of employment, advertising, shipping & receiving practices, staff training, hiring, compensation, benefits and EEOC procedures, budgets, cost analysis, accounts receivable, accounts payable, customer service solutions, credit/collections processing and enforcement, parts research and tech assistant. Mentoring, coaching, and developing staff to achieve objectives. Prepared weekly, monthly profit/loss reports to meet budgets, customer/vendor requirements. Guided supervisor of parts accounts (sales inventory & electronic parts), inventory control, and defective parts/core returns tracking & billing.

1999 - 2007 - Confidential, Dade City, Florida
Operations Manager/Owner
Managed the operation/staff of a consumer electronics service/cellular sales & service company specializing in the service and repair of consumer electronics under manufacturer warranty and extended warranty companies in addition to the sales & service of numerous wireless service carriers. Directed the development and implementation of employment, advertising, shipping & receiving practices (parts), staff training, hiring, compensation, benefits and EEOC procedures, budgets, cost analysis, accounts receivable, accounts payable, customer service solutions, credit/collections processing and enforcement. Examined parts research and performed technical assistance. Mentoring, coaching, and developing staff to achieve objectives. Organized and prepared weekly, monthly profit/loss reports to meet budgets, customer/ vendor requirements. Guided the supervisors of parts accounts (retail & parts sales inventory & electronic parts), (sales staff), inventory control, and defective parts/core returns tracking & billing.

1998 - 2003 - Confidential, Lakeland, Florida
Contractor/ Designer III
Organized and prepared the design & layout of civil engineering projects with emphasis on drainage, water, & sewer design. I was charged with projects from planning to as-built stage (Permitting, revisions and site inspections). I was a full time employee from 1998 to the end of 1999 and continued as a contractor until 2003.

1993 - 1998 - Confidential, Pembroke Pines, Florida
Designer III
While learning all aspects of the civil engineering design profession I progressed from Jr. Designer to Designer III. Design and layout of survey to as-built projects on AutoCad with emphasis on drainage, sewer, grading, water calculations. My responsibilities included the supervision of project flow and permitting of various civil projects thru city/county codes. I assisted survey, landscape, and planning departments in layout of projects as necessary.

1989 - 1992 - Confidential, Charleston, South Carolina
Design Drafter
Assist in design, performed the layout of Mechanical & Civil engineering projects on AutoCad

1988 - 1990 - Confidential, Charleston, South Carolina
Night Manager
Managed the nightly operation for the NCO Club systems
Duties included but not limited to: Supervision of staff & activities (bar, ballroom, and restaurant), enforced safety & regulation procedures for patriots and staff, nightly cash flow, inventory control, closing & deposit of funds. Assist in special event planning & management of such.

Education:
Diploma 3 year technical apprentice
A.S. Degree in Fine Arts
A.S. Degree in Architectural Design
Course Work: Surveying, Planning
Continuous online courses thru Chase (FHA, FNMA, Fraud prevention to name a view

Skills:
Loan Modification underwriting (LAMP, AS400, I-portal, urban, Stewart, LMA, LMF, WPT) - Accounting - Management - Civil Engineering Design - Sales, Marketing, Planning - Quality control - Inventory control - Blue print interpretation - Restaurant/Lounge/Ballroom - Event planning & management - Fluent in German & Spanish (read/write/speak) - Taking classes in front end underwriting

Computer proficiencies:
Windows XP - Acrobat Reader - Microsoft Front Page - Outlook Express - AutoCad - Microsoft Word - Excel - QuickBooks - Quick Service Pro
PEGA - LPS - MSP, MRW for HAMP, DWS, CCW, Kroll Brew/Ice system among others.

Certificates:
Fannie Mae: Condo underwriting, Appraisal, Refinance, DU