SUMMARY

Driven, detail oriented professional with a record of top performance and the proven ability to contribute to the achievement of company objectives. Over 5 years of leader experience with over 3+ years of progressive, comprehensive experience in the Financial Services Industry. Polished image combined with persuasive communication, presentation, and interpersonal skills. Bilingual: English and Spanish, strong ability to cater to diverse customers.

AREAS OF EXPERTISE

Credit and Assets Analyses | HAMP AND HAFA
Fraud Investigation | Desk Top Underwriter
Portfolios Management | Communication Software Proficiency
Liens Clearing/Titles/Loans | Calculating Income Correctly
Property Analyses/Comparable | Review Clearing and Finding

PROFILE
SPECIALIZED INDUSTRY KNOWLEDGE

• Client-focused, self-motivated, goal-oriented, with strong organization skills, easily established rapport, task driven, and ambitious.
• Fraud Investigations
• Credit and Assets Analyses
• 3+ years of mortgage loan knowledge/ Finance/ Calls and Customer Relationships experience.
• Working knowledge of mortgage lending statues (e.g., TIL, RESPA, ECOA)
• Complete closing transactions documents by assembling documents; reviewing closing instructions to adhere to regulatory requirements
• Documents review, recording, and filing.
• Loan programs and rate sheets familiarization
• Special Government Loan ("Forbearance Mod's", HAM, MOD'S) (HAMP) and Short sale programs (HAFA) knowledge
• Monitor the progress of mortgages and/or loans and follow up with loan processors
• Analyze property appraisal to determine if value is supported and property meets all eligibility requirements
• Completed loan modification results in order to save the loan from total delinquency

PROVEN METHODOLOGY

• Identified, established, and managed strategic relationships to leverage significant long-term business opportunities for Capital One.
• Utilized industry expertise to effectively convey intricate proposals and presentations.
• Strong math background allowing calculations for debt-to-income ratios, LTV's, product, term, rate lock.
• Reviewed all Fannie Mae Secondary Marketing lock-in sheets and all files as requested for audit
• Fraud investigation knowledge from Capital One.

EXPERIENCE

Confidential, Plano, Texas March 2011- Present
Foreclosure/QA-ILQA Underwriter/Underwriter

Manage a portfolio 5-10 Loans a day. Completing underwriting the loan and Analyzing the underwriters work. Calculating various types of income, making sure all required documentation is up to date and signed. Checking all questions on checklist; finalizing decision on the loan.

• Pre-Underwrite loan using various tools.
• Analyze documentation; tax returns; 4506T; bank statements; pay check stubs; etc.
• Calculate housing ratio and debit ratio for approval.
• Completing checklist and making sure the loan meets all requirements.
• Final decision the loan; Signing off on the loan. SFO, HFI, DOJ.
• Underwriter Help desk; answering the underwriter's questions using various guidelines.

Confidential, Plano, Texas March 2009 - March 2011
Loss Mitigation/ Foreclosure/ Pre-Underwriter/ Deed-In-Lieu/ Short Sale

Manage a portfolio 500 to 1,000 loans that have been referred for foreclosure. Prepare loans for transfer to the Short Sale Department by completing evaluations form to determine if the loan qualifies for a short sale. Gather necessary documents including, but not limited to, income documents, HUD, bank statements, purchase contract, listing agreement, proof of Buyer's fund's and hardship letter, and ordering the credit report and appraisals.

• Pre-Underwrite loan using various tools.
• Calculate housing ratio and debit ratio for approval
• Calculate income from customer's pay stub, W2s, and bank statements.
• Inbound/Outbound calls to attorneys and customers.
• Analyze mortgagor strength and income situation to determine other potential resolutions such as: Modification, Full Payoff, Short Sale, and Reinstatement. Document accounts with written summaries explaining reason for default and additional resolution possibilities.
• Review and analyze credit reports for approval.
• Initiate contact with borrowers to ascertain whether their intent is to retain, sell, or surrender the property; the hardship that resulted in the delinquency, and analyze their financial situation to determine their financial strength and inform customers of viable solutions.
• Contact attorneys to cancel sale of properties, obtain fees and costs, and also contact various county treasurers or tax assessor's offices to obtain the status of borrower property taxes.

Confidential, Plainview, TX- August 2005 - March 2009
ORDER FILLER/RSR DRIVER MANAGER

Led team of 20-25 to optimize freight flow and consistency within the distribution center for America's largest supply chain. Demonstrate excellent ability to maintain attention to detail in a fast-paced environment. Ship and distribute freight to more than 15 stores throughout the West Texas Panhandle.

• Successfully organized over 2000 daily moves to maintain appropriate inventory levels.
• Controlled the amount of orders distributed out of the company, average 5000 case per orderfiller.
• Maximized peak times and meeting deadline time periods by the hours of the day.
• Recognized and awarded on three separate occasions by three different Ops managers for outstanding effort in providing the leadership, coordination, team building, and safety levels required in a warehouse environment while maximizing production.

EDUCATION

Real Estate License
Bachelor of Arts: Business Administration
Minor: Criminal Justice
Minor: Spanish