SUMMARY

A home loan retention and underwriting Professional, offering 7 years as a Team lead supervisor and loan account Loss Mitigations expert. Recognized as having the ability to effectively manage various organizational requirements, well versed in time management skills and an efficient team builder. I have the ability to learn quickly, develop internal motivation and dedicate myself to any job. I also offer courteous public contact skills with great emphasis on customer service.

Confidential, Mar 2012 - Present
ILQA/Quality Control Analyst/Underwriter

• Perform day to day duties to manage every borrowers account possible to find an option to get them the best loan amount for them to keep their home so they will not lose the home in the future going forward.
• Quality for Underwriters work to make sure they used correct Calculations, correct and proper company waterfall to make sure all loan process qualifies borrower for that option.
• Calculation of borrowers income to determine what best workout remodification they qualify for, whether that be basic wage earner calculations,pension,Social Security, Review P & L Statements, rental income and border income
• Communicate with Underwriters to properly obtain any furthers Documents that are needed on file to complete Audit review such credit report,4506 T forms,RMA,Dodd Franks, Pay stubs, Bank statements,

Confidential, Oct 2011-Mar 2012
Loss Mitigations/Home Retention/Loan Counselor

• Experienced in calculating debt to income ratio from borrowers with traditional jobs, or self-employment. This Work with borrowers collecting payments, and re-modification was accomplished by reviewing their bank statements.
• Possess detail knowledge of calculation of income from the profit and loss statements, and last two year of tax returns.
• Very experienced with both HAMP and HAFA making homes affordable programs.
• Review of HAMP and HAFA to determine eligibility for modification. Types of loans serviced are FHA, Fannie Mae, and Conventional.
• Perform task to set customers on repayment plans, this was accomplished by determining customers monthly expenses with their income.
• Collect Docs such 4506t, paystubs, and Dodd-Frank document, to expedite the modification process.
• Communicate with attorneys in foreclosure and short sale process and guide customers through the process step by step.
• Examine Documents sent in by customers to make sure all information is received to expedite the process.
• Examine documents for any errors and contact customer to correct error as soon as possible.

Confidential, Nov 2010 - Jul 2011
Account Manager/Loss Mitigation

• Assist customers with remodification of a home.
• Gather customers Documents collect docs such 4506t, paystubs, and Dodd-Franks document to complete modification process.
• Detail knowledge to calculate profit and loss statements for self-employment borrowers for debt to ratio income.
• Workout Mod options for the customer that best fits or find options for borrowers who are behind on their accounts; this consisted of collections, performed on daily basis calculations of debt to ratio income.
• Extensive experience in HAMP and HAFA making home affordable programs
• Approve extensions and repay plans.
• Process loan type FHA, Fannie Mae, and Conventional,
• Walk customer through filling out and returning IRS 4506-T tax return form, Dodd-Frank Certification, reviewing Pay stubs or P & L statements.
• Initial small underwriting functions included for customers.

Confidential, Jun 2006-Nov 2010
Mortgage underwriter/Auto Collections Team Lead/Supervisor

• Responsibilities consist of Loss Mitigation/ Underwriting Communicate with realtors, attorneys, and borrower's
• FHA, Conventianl short sales. Perform Debt to ratio income calculations day to day.
• Responsible for working the sale from beginning to end.
• Order credit reports, appraisals, and pull title, while the realtor must provide financial information. Once all necessary documentation has been received.
• Verify if the loan meets HUD Guidelines, if so, then I will write up the file and submit for Approval to Participate. When the ATP returns I look at the offer and determine if it meets the requirements, if not I counter, if it does, I must issue a second approval.
• While working on my assignments I must be very organize, prepared for change, and be able to multi-task.
• I'm required to report my stats daily to management.
• On the auto side my duties where collecting on high-risk auto loans while assisting a team of twenty-four agents with all needed questions and concerns.
• Approve field chases. Due date changes, payment disputes and payment arrangements.
• Facilitate all team meetings also responsible for training of all the new hires that come to my team.
• Perform side by sides, coach, and give team member feedback on how to reduce delinquency minimizing potential losses.
• Create monthly schedules and assist team with high balance accounts to help achieve team and department goals.
• Assist with all HR issues and have been awarded employee of the month twice.

Confidential, Jun 2004-2006
Customer Care Representative/Team lead

• My duties in this position included processing inbound calls from customers regarding their alarm systems.
• Troubleshooting equipment malfunctions, collecting and processing payments for current and delinquent accounts.

Confidential, Sep 2001-Oct 2003
Loss mitigations/Underwriter

• My duties home retention and then underwriting.
• In this role I was expected to analyze borrower documentation to determine borrower eligibility
• Calculate customer's debt to ratio income to better determine what the borrower qualifies for, examine residential loan documentations and compliance with client FNMA and FHLMC guidelines
• Analyze credit bureau reports to determine debt to income ratio, title remediation, review packages to determine best workout plans.
• Talk to realtors, attorney's, and borrowers, I ordered credit reports, appraisals, and pull title.
• Work with realtors to provide financial information, also verify loan met HUD guidelines
• Required to report my stats daily to management.

EDUCATION

Major in Computers ECT
High School Diploma