SUMMARY:

Experienced Mortgage Loan Originator, NMLS 956390, with call center expertise looking to utilize my skills in a remote environment. My goal is to add to my career total of over $200M in loan production while achieving the highest level of customer satisfaction.

SKILLS:

Account Executive

Aml

Audit

Closing

Computer programming

Data Analysis

Data Manipulation

Disclosures

Documentation

Fha

Gse

Lending

Loan Origination

Loan Processor

Loans

Loss Mitigation

Marketing Analysis

Mitigation

Mortgage

Mortgage Loans

Municipal

Pricing

Processor

Qc Analysis

Regulatory Compliance

Residential Lending

Retail

Retail Marketing

Securities

Sub Prime

Title Insurance

Underwriting

FHA/VA

Home Mortgage

Mortgage Loan

Leasing

FHA VA

FHA/Va Loans

SUB - Prime

Finance

Home Equity

Real Estate

Tenant Leasing

Outbound Calls

E-Commerce Sales

QM, WEB Based

Closings

FHA Va Loans

Inbound and Outbound

Auditing

Wealth Management

Microsoft Office

EXPERIENCE:

Confidential

Mortgage Loan Officer/Originator

Responsibilities:

• Real estate agent specializing in purchase and sale of single - family homes, condos and tenant leasing for apartment buildings and single-family homes.

Confidential

AML Analyst

Responsibilities:

• Independently conduct searches, gather data and record evidence from internal systems, the internet, commercial databases and enquiry with Relationship Managers and Financial Advisors and Compliance contacts.
• Independently assess and analyze research results and conduct complex data analysis applying knowledge and experience.
• Utilizes strong understanding of data manipulation techniques and analysis.
• Act autonomously and utilize independent discretion and a high degree of sound judgment in conducting timely, accurate and effective analysis and investigation of anomalous behavior to mitigate money laundering risks.

Confidential

Compliance Analyst

Responsibilities:

• Comprehensive compliance reviews of syndicate wires for Municipal Bond securities offerings to resolve internal client inquiries pertaining to bond offerings.
• Determines that requirements for the retail order periods were in compliance.
• Documents findings and escalates any discrepancies to project management.

Confidential

Senior Loan Processor

Responsibilities:

• Ensure proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy.
• Ensure pricing and fees are accurately reflected on each transaction and order all necessary appraisals, title, and credit documents.
• Review loan-related documents, including automated approvals, title insurance, flood and tax certificates and submit these documents to Underwriting.
• Review documents for acceptability against loan conditions, and coordinate with all parties to obtain additional documentation with the Loan Officer.
• Upon approval, coordinate, prepare and move mortgage loans to closing.

Confidential

Audit Review Specialist

Responsibilities:

• Responsible for performing extensive audit related loan level reviews in accordance with various internaldefault auditing and investor requirements.
• Ensured that all loan samples were updated to reflect current audit criteria and statistically represented as findings are identified.
• Performed loan level review on accounts identified via various exception reporting.
• Maintained exception reporting criteria and created trending reports as appropriate.
• Created and maintained positive working relationships with all business partners.
• Developed analyses, projections and or reports for incorporation into presentations to leadership.

Confidential

Underwriter

Responsibilities:

• QC underwriting review of closed loan packages.
• Conducted rebuttal investigation of defaulted mortgages loans submitted by Investors, Servicers and MI companies to ensure loans met guidelines at origination.

Confidential

Mediation Underwriter

Responsibilities:

• Reviewed and assessed Mortgage modification requests based on GSE, Investor and Bank guidelines.
• Recommended modification approvals and declines, interacts with attorneys, third party vendors and other Confidential loss mitigation departments depending on results of modification application.

Confidential

Underwriter

Responsibilities:

• QC analysis of archived credit documents to submit credit file for audit of defaulted and performing mortgages and re-purchases.
• Worked with lenders, title agents and third parties to cure loan deficiencies to avoid re-purchases.QC review of VA loans and modified mortgages for Investors and Servicers.

Confidential

Loan Officer

Responsibilities:

• Home based loan originator selling mortgages with an emphasis on FHA products such as reverse mortgages.

Confidential

Net Branch Manager

Responsibilities:

• Net Branch manager of large local correspondent lender specializing in Condo conversion financing and residential lending.
• Managed small group of loan officers with experience in conforming, Alt A and Jumbo lending.
• Wholesale Account Executive submitting loan applications from Mortgage Brokers to Correspondent Lenders.

Confidential

Underwriter

Responsibilities:

• underwriting review of closed loan packages on Alt A & Sub Prime for major Wall Street investors to ensure loan origination integrity for client's guidelines.Updated credit histories of defaulted loans to support loan re-purchase rebuttals and reported findings to clients.

Confidential

Loan Officer

Responsibilities:

• Originated conventional and sub-prime mortgages, home equity lines, and combo first and second mortgages from home based sales center.

Confidential

Mortgage Consultant

Responsibilities:

• Originated conventional and jumbo mortgages, home equity lines, and second mortgages from Confidential 's e-commerce sales center.
• Attained highest pull through rating from staff of over 100 consultants utilizing inbound and outbound calls and web based leads.
• Successfully solicited applications from the Confidential Internet Web site, external sources and Confidential referral lines of business.