Experienced and motivated professional seeking an opportunity in Mortgage Loan Processing with proven skills and talents in a fast paced environment. Possess strong working knowledge in mortgage lending, risk analysis, processing. Experienced in reviewing loan application upon request to ensure all required forms and conditions have been provided by the borrower, Provides customer with timely and periodic status updates of their loan application, Return all inquiry calls within one business day, Acts as a liaison between borrower, underwriter, loan originator and lender.
• Risk and Financial Analysisâ€¨Taskingâ€¨• Organization & Time Managementâ€¨Buildingâ€¨• Excellent Oral and Written Communication Skills and ECOA
EDUCATIONâ€¨Collins College, Tempe AZ
Associates Degree, Media Arts – Graduated 2007
Wells Fargo Home Mortgage,
Mortgage Loan Processor 7/01/11-04/2013
• Excellent Attention to Details & Multi-â€¨• Good Interpersonal & Relationshipâ€¨• Knowledgeable of Fair Lending Practices
Responsible for managing a consistent pipeline of 75-100 loans, make preliminary review, obtain and thoroughly examine and scrutinize loan documents to ensure validity, accuracy and completeness, substantiate borrower income and/or assets, and mitigate the potential for errors.â€¨Ensure specific investor loan program guidelines and conditions are met for FHA/FNMA/FHLMC Conventional/ HARP/DU mortgage loans.
Contact borrower and partners to gather pertinent information needed to make appropriate credit decisions, perform compliance reviews consistent with lending guidelines, and explain to borrowers rationale behind credit decision. Review financial statements, credit reports, appraisals, verification of deposit/employment/mortgage/rent, debt-to-income ratios, loan-to-value and supporting documents to pre-assess financial risk and address potential red flags prior to underwriting.â€¨Ensure prompt and timely follow up with borrowers and third party vendors to arrange final document signing and closings and serve as liaison to resolve or clarify any questions or concerns the borrower may have throughout the process.
Loss Mitigation Analyst 08/2009 – 11/2010
Act as liaison between the borrower and underwriter to ensure all required information and documentation is obtained in a prompt, professional and timely manner and communicate with borrower(s) to ensure they are updated on the status of the loan modification throughout the process.
Manage and monitor a consistent pipeline and review all files for risk analysis, debt-to-income, payment-to-income, and loan-to-value ratios and qualify serious delinquent (120+) and active foreclosure accounts utilizing system tools to pre-screen borrower financial information.
Obtain appropriate documentation such as Request for Modification, proof of income, personal/business tax returns, bank statements, 4506-T Audits and credit reports as needed for review and examine documentation for accuracy, completeness and possible fraud.
Effectively communicate underwriting decision to borrower(s) through verbal/written contact and provide alternatives such as Short Sale and/or Deed-In-Lieu of Foreclosure in the event of denial.
Bank of America, Phoenix, AZ
Home Preservation Specialist 07/2007 – 08/2009
Qualify serious delinquent (120+) and active foreclosure accounts according to conventional, government-backed and private investors underwriting standards and serve as liaison between borrower and underwriter to ensure proper and timely completion of loan modifications.â€¨Effectively managed a high volume of inbound calls within a call-center environment and pre-qualified seriously delinquent clients for available loan modification programs and/or short sales.
Utilized multiple operating systems and applications to efficiently assist customers, real estate agents, negotiators and attorneys in facilitating appropriate work-outs, loan modifications, short sales, deed-in-lieu, etc.â€¨Verify required loan disclosures, order credit reports and appraisals, prepare verification of deposit and employment and reconcile all required documents for underwriting.
OSI, Phoenix, AZ
Lead Risk Operations Analyst 07/2001 – 07/2007
Oversee and analyze account behavior and payment patterns to determine financial risk, suspicious or fraudulent activity, and offer appropriate solutions to cure defaults, avoid charge-offs and prevent losses.â€¨Contact customers by telephone, assess the individual circumstances, offer creative suggestions to resolve delinquency, advise borrower of possible consequences an negotiate resolutions to cure the delinquency, and/or execute final disposition of borrower account.
Type 60 WPM, 10 Key, Microsoft Word, PowerPoint, Excel, Outlook, Lotus 1-2-3/Notes, Guardian, MSP, Avaya Predictive Dialer, Mainframe, Early Resolution (ER), Loan Modification Portal, LIS/LPS AUS Underwriting Platform Mainframe, Clarify, Customer Profile Applications (CPA).
REFERENCES Available Upon Request.
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