Professional Summary
A Dynamic, Result- Oriented Professional with over 12 Years Experience in Underwriting and Loan Servicing.
Exceptional Time Management Skills, Strong Organizational and Negotiation Skills Motivated Self- starter, with a Proactive Attitude who excels in Challenging and Competitive Environment.
Excellent Mediation Skills with a Strong Development of Business Relationship with Customers and Employees.
Proficient in a Windows based Environment.
Typing and 10 Key skills. In addition, Experience with manual underwrites, CACS, AS400 and LSAMS and Lyrical Automated Dialers.
Knowledge of FHA, Conventional, Fannie Mae and PMI guidelines.

Experience
May 2012- Present
Auditor (Pre-Closing)
Preformed audit checks on loans that have been submitted for origination approval to insure all guidelines, policies, and procedures were followed.
Reviewing, analyzing and updating homeowners financial information, following up with underwriters and given feedback on all audit finding.
Reporting and recoding finding to better assist underwriters as guidelines and policies are updated
Responsible for submitting audit checks through the system, and forwarding all approved files to the
closing agents for final approval.
Additional duties include reviewing the following listed documents for accuracy:
AUS, ULCS, HUD1,TITLE REPORTS,TAX CERTIFICATES,INCOME DOCUMENTS,APPRAISALS,SURVEYS,CREDIT REPORTS.

Oct 2011- May2012 Confidential
Default Relationship Manager
Fully knowledgeable of HAMP, CHAMP modification guidelines and FDCPA guidelines
Loss mitigation duties consisting of gathering information and recommending solutions for completing the appropriate loss mitigation modification program for each case to avoid foreclosure; communicating with multiple entities to find appropriate solutions for each case, and for negotiating with homeowners, mortgage insurance companies and real estate agents; reviewing and analyzing information and documents submitted by homeowners unable to make their mortgage payments and consult policies for ensuring compliance with requirements of mortgage investors, mortgage insurers, government programs and their employers
Customer service duties consisting of interacting with customers to provide information in response to inquires concerning their account as well their complaints
Responsible for related collections; CHAMP, HAMP, SCRA, AM modifications; loss mitigation; and portfolio managements
Performs information gathering, documentation analysis, and file preparation/maintenance
Performs account reviews and audits to ensure compliance with internal control requirements; manage controls in compliance with internal, investor, and PMI requirements with regard to workout negotiations and approvals on accounts in foreclosure and loss mitigation, and compile and analyze statistical data relative to unit productivity, monitor live calls and provide feedback to staff, provide coaching and answer questions concerning collection activities

June 2011- OCT2011 Confidential
Senior Underwriter/Pre-Closing Auditor
Reviewed and analyzed customer financial documents and proposed solutions to assist customers in retaining home ownership.
Reviewed the recommended foreclosure prevention, alternative offer to the homeowner to insure all investor guide lines are followed.
Reviewed and analyzed documents to determine income and repayment ability, analyze housing expenses, assess homeowner hardship, potential fraud, and determine proper resolution.
Analyzed delinquencies, performed escrow analysis, modifications scenarios, and proposals for appropriate workout solution. Preformed audit checks on loans that were previously denied for modifications to insure all guidelines, policies, and procedures were followed.

June 2006 - JUNE2011 Confidential
Loss Mitigation Specialist/Underwriter
Reviewed each account's financial hardship, including detailed pay history and EI score to determine financial capacity and commitment of each account holder.
Provided customized solutions in order to provide the right solution for homeowners. Working face to face with homeowners going over the modification process, guidelines and requirement.
Negotiated and executed modifications, short sales, settlements and deed in lieu of foreclosure. Worked with attorneys, realtors, 3rd party agencies, and foreclosure vendors to assure fees/costs, timelines and guidelines are handled appropriately and in a timely manner.
Entrusted with most complex customer service issues as a result of exceptional ability to promptly resolve concerns and satisfy customers.
Verifying all information received and calculating interest rates, per diem, interest, taxes and insurance payments, some underwriting.
Working with Investor and getting approval on modification guidelines, interest rates and other stipulations.

October 2001-June 2006 Confidential
Foreclosure/Charge-Off Supervisor
Provided custom and alternate solutions to foreclosures for homeowners. Setting up Repayment Plans, Short Sales, and Settlement on Charge off Accounts.
Provided customized solutions in order to provide the right solution for homeowners.
Worked with attorneys and foreclosure vendors to assure fees/costs, timelines and guidelines are handled appropriately and in a timely manner.
Entrusted with conducting loan analysis of history, asset attributes, and customer contact to determine if foreclosure referral was appropriate.
Provided instructions to attorneys to hold, cancel, postpone or proceed with foreclosure sales.
Utilized Skip Tracing tools to drive contact, and reduce delinquency.
Negotiated and executed short sales and deeds in lieu of foreclosure.
Decision to charge-off assets, or bid for assets taken to foreclosure sales.
Uses various tactful and resourceful approaches to collect delinquent loans, including contacts by telephone, fax, and mail.

Reference Available upon Request