Professional Summary:
Exceptional ability to analyze policies, procedures and guidelines to maximize productivity and protect the level of risk desired. Detailed knowledge of processing, both automated and manual underwriting. Knowledge in residential conventional, commercial loans, real estate values, and appraisal analysis. Excellent mathematical skills, proficient computer skills, verbal and written communication skills with ability to meet deadlines in a timely mannered. Have DU and LP experience.

Professional Background:

• Automated and manual underwriting via desktop originator or underwriter, loans prospect, assets wise/ FCC, clues/ CHL
• Specialist in DU and LP Experience
• The ability to review documents such as income, assets, appraisal, title, hazard insurance, credit report and other underwriting documents.
• Monitors foreclosure loans to ensure that foreclosure actions on individual accounts are completed in a timely manner, according to investors / insurers, state and regulation guidelines and minimizing loss to the company.
• Obtain and handles credit reports, inspection, survey title work and appraisal.
• Mortgage processor
• Experience in working with default loans processing, routine transactions, analyzing and documenting loan history.
• Provided fast fair and final decision for workout by analyzing files after underwriters has finish loans and determine the what role the customer would go to down. Such as home retention, liquidation options and foreclosure.
• Regulation compliance specialist for FHA,VA, and Conventional loans.
• Also verified that the bank is complying with guidelines by checking other work.
• Analyze very complex financial to determine the customer gross income and assets.
• Analyze credit report to determine customer credit history, credit score and to verify credit worthiness.
• Excellent Customer service and sales experience in a retail and call center environment.

Employment:
Confidential, Aug 2011- Current
Foreclosure Referral Review Underwriter- Feb 2012-Current

• Complete pre-foreclosure reviews to ensure loans should be referred for foreclosure based on company requirements
• Complete, monitor progress, and ensure deadlines are met for invoice approval, foreclosure referrals, foreclosure breach letters, and collection letters
• Complete, monitor progress, and insure deadlines are met for property preservation, ordering values, and inspections
• Answer field calls from vendors, attorney firms, city code enforcement officers and field service companies
• Answer calls from vendors and attorney firms
• Adherence to company and department policies and procedures
• Follow established company guidelines to increase revenue and reduce losses
• Review tasks daily to ensure they are completed within company timelines
• Verify accuracy of letters

Confidential,Review underwriter- October 2011 –Feb 2012

• Review and analyze borrower documentation to determine income and repayment ability, assess borrower\'s hardship, analyze housing expenses, and determine proper loan resolution.
• Maintain responsibility for timely and accurate database maintenance as well as updates and corrections in all related systems.
• Analyze delinquency, escrow, modification scenarios and proposals.
• Recommend appropriate loan workout.

Confidential,Loan Processor - Aug 2011- October 2011

• Reviews loan packages for completeness;
• Obtain supporting documentation for credit evaluation and subsequent processing and closing;
• Experience with Fannie Mae and FHA loans and be able to provide administrative support as needed.
• Familiar with current RESPA guidelines.
• General knowledge and understanding of tax returns.

Confidential,USA Feb 2011-Aug 2011
Tech Support Rep

• Assist customer with technical issues with cell phones. Specialize in PDA, BlackBerry, and Androids.
• Troubleshoots all technical inquires regarding network, device information, and data service.
• The ability to make changes in the network switch or in the database to resolve customer issues. Provides effectively and time resolution with each customer

Confidential,April 2010- Feb 2011
Confidential,Due diligence Underwriter/ Frontline Underwriting/

• Worked for Varies companies nationwide for their staffing needs in underwriting: Prime and Sub prime
• Underwrote to investor guidelines for wholesale and retail divisions
• Automated and manual underwriting via desktop originator or underwriter, loans prospect, assets wise/ FCC, clues/ CHL
• Commercial & residential underwriting and due diligence
• Audit origination files, perform due diligence via RTC/Investor Requirements, analyze arm loans, mortgages, notes, title policies, appraisals, income, security and closing documents representing HMDA.
• Performed commercial and residential audits extensively for Foreclosure and bankruptcy review.
• Processed loans for HMDA compliance to funding.
• Credit risk underwriter: reviewed loan files and helping other underwriter obtain lending authority.
• Conventional loan up to 650,000

Confidential,May 21, 2007-April 4, 2010
Customer Service Rep

• Provide excellent customer services to customer.
• Thoroughly Research customer service and collaborate with financial service, tech support, and to achieve possible solution for all customer inquiries
• .Prevent escalating calls by providing first call resolution for all customers. Negotiate with customer, ensuring customer is provided with the best option available.
• Ability to sell services to customers. Receive over 70 inbound calls daily. Ability to handle escalated issues. Also monitor other associates calls to insure quality control

Confidential, May 2006- May 2007
Customer Service Rep/ Financial Services

• Billing, answering phone, Maintain a call quota of 150 or more daily. Data entry Excellent people skills,
• Assists customer with account info, Light typing (types 45 wpm), Notating accounts, Types and fill out forms for different department, Calculate and maintain own payroll by using Excel, and Maintain a positive attitude through tough situation with customer

Education:
Mortgage underwriting coaching

Accomplishments:

• Helped with training material for new hire at Verizon Wireless and T-mobile
• Rewarded for having top performance and quality in previous job.
• Also worked in leadership roles to help managers while they were out or needed additional help.
• Coached lower performers in call center to help bring performance up.

Competencies

• Fluent in processing/ underwriting systems, such as: Loan Production, Loan Production, Word perfect, multi-mate, Windows 98 and up, Lotus, As400/ I-series, ten key by touch, types 45+ wpm