Professional Experience

Confidential, May 20011-current
HL ID Underwriter Lewisville, TX

• Underwrite and process Fannie Mae, Securitized, Private and Asset loans for modification
• Decision loans for a permanent Modification or Forbearance program
• Calculate income according to paystubs, P & L, bank statements and Tax Returns
• Collects and analyzes documents from the borrower, credit bureaus and appraisers

Confidential, November 2009-current
Quality Control Analyst Lewisville, TX

• Utilize Guardian, Lender Live system, and MOD application input loan numbers and verify the accuracy of the loan information
• Verify escrow amounts
• Verify HOI escrow shortage and PMI
• Verify loan amounts, note dates, step rate and the balloon payments
• Check closing dates, and interest accrual dates
• Complete a check list for pass or fail
• Review and decision of multiple lines of business on HAMP Treasury and Chase Modifications.
• Verify LISA (investor guidelines) for in-house (Chase) modifications guidelines and verify that Chase applications conform to required specifications.
• Calculation and correction of escrow requirements for both HAMP and Chase modifications.
• Audit of final HAMP contract modification to verify that all ratios, calculations, terms and verbiage are accurate.
• Verify hardship affidavit, deed & lieu, and short sales in Lender Live
• Accessing client information using Lending Portal
• Process denial letters, option to arm letters, and arm to fix letters

Confidential, March - May 2009
Closer Coordinator

• Utilizing System Impact, verify loan accuracy with regards to Rate Lock, Type of loan (FHA/VA, Conventional, Refinance, and Purchase)
• Verify RESPA documents
• Verify decision conditions with regards to Escrow, Hazard Insurance, Title Commitment and Rate Lock expired date
• Utilize Lotus Notes to right fax daily Pipeline report
• Send files to funding
• Ship files

Confidential, August 2008 - November 2008
Post Closing Auditor

• Received files from the net branches to review for insurance purposed
• Reviewed the full files that were closed and needed to be sent to HUD for insurance after checking the HUD, Note, and Deed
• Audited the file looking for missing items listed on the HUD checklist; after reviewing the documents notified the branch underwriter and processor to get the missing items needed to insure the loan
• Review FHA and VA loans
• Assign loans to underwriter and print and pull conditions that are faxed over from different branches within Countrywide KB Home Loans

Confidential, December 2007 - May 2008
Service Processor I

• Reviews title and contract information to ensure accuracy of information
• Process all lien releases as scheduled for timely release
• Creates letters/correspondence to the dealer and/or customer and/or other third party for
• title release
• Requests required lien release documents to be imaged
• Notaries the documents as needed to process the lien release
• Updates system appropriately based on actions taken
• Contacts/Questions third party/customer/dealer regarding confirmation of payoff source
• Answer incoming calls while maintaining high quality customer service, providing
• information on the process and providing updates with timelines of processing and
• achieving required performance expectations
• Completes and maintains all documentation for accurate and completion lien release and
• contract payoff processing
• Sets follow-up dates correctly and completes the scheduled follow-ups efficiently by
• appropriating the necessary time to complete task
• Assists in the training of new employees

Confidential, January 2007 - October 2007
Document Control Analyst

• Prep files and stamp documents for bids
• Image, scan and copy documents utilizing the RICOH 2105 System
• Identify all foreclosure documents and index them accordingly
• Update documents utilizing Kodak Imaging System
• Must perform 1000 to 1500 keystrokes
• Index foreclosure documents

Confidential,November 1996 - June 2006
Quality Control Specialist 12/01 - 06/06

• Locate and review documents from Imaging
• Perform written employment verifications on all loans being reviewed by Quality
• Control
• Verify all information entered on the verification database is complete and accurate -- 25
• per day
• Complete appraisal review forms on a daily basis
• Copy appraisal package and send to Risk Management for appraisal review
• Reviewed is returned by Risk, results are entered on the database
• Responsible for maintenance of the Verification database
• All information must be completed and information reported accurately
• Daily follow-up must be conducted and documented when applicable

Senior Compliance Analyst (CitiFinancial Mortgage) 02/00 - 12/01

• Performs 100% compliance reviews for all bulk and wholesale acquisitions
• Review files for original closing documents and violations in areas such as RESPA,
• HOEPA and State disclosures
• Performs daily audit for Correspondent/Acquisition files reviewing for original Note,
• Mortgage, Appraisal, etc
• Performs worksheet calculations for HOEPA, Chicago High Cost, North Carolina High
• Cost and New York High Cost Loans
• Exceeds daily performance quota
• Recipient of multiple Employee of the Month Award

Auditor (Associate's Home Equity) 01/99-02/00

• Responsible for auditing files for state guidelines and requirements before processing
• Verify legal descriptions, Title Commitments, Warranty Deed of Trust and pre-paid points

HUD Audit Specialist (Associate's Home Equity) 08/98-01/99

• Responsible for verifying the HUD by booking vouchers
• Check loan amount, payoff amount, odd days interest, points paid, cash to customers, signatures and dates

RESPA Auditor (Associate's Home Equity) 05/98-08/98

• Verifying the RESPA documents: Loan Application, Good Faith Estimate
• Transfer servicing documents, Arbitration Agreement and State Specific Disclosures
• Input data into RESPA/FOCUS from retrieved loan files
• Issue letters containing legal documents requiring signatures

Credit and Compliance Specialist (Ford Finance) 11/96-05/98

• Audited legal closing documents and credit life applications
• Tracked closed loan files
• Liaison between district office personnel and managers maintaining an even flow of
• certified and/or registered documentation
• Prepared missing closing documents report
• Prepared legal closing documents
• Placed loans on AIMS computer system
• Transferred wire funds and/or disburses checks
• Prepared analysis and tracked various financial reports
• Acted as liaison between district offices and title companies to verify the accuracy and completeness of loan closing documentation

TRAINING COURSES COMPLETED
01/06 Compliance Essentials
10/05 Manage Your Time Effectively
10/05 Ethics & Code of Conduct Training
09/04 CFI Online Training
03/03 Fraud Default Detection Training
01/02 Mortgage Serving Training
10/99 Processing Certification Program

EDUCATION

• Coursework in Introduction to Computers, Emphasis on DOS, WordPerfect, LOTUS 123
• and Microsoft Word for Windows
• Received Certificate for Microcomputers Continuing Education
• Received Certificate for Office Machines
• El Centro College-Business Administration
• Coursework in general business administration

technical skills

• Microsoft 07-Excel, access, word, and power point
• AS400
• LISA
• LenderLive
• Fastrieve
• MSP/Fidelity
• Lending Portal
• Pega
• LPS
• Early Resolution
• Guardian
• Agent Desk Top