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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Lagerfeld DriveLand O Lakes, Fl. Street Address
Tel: PHONE NUMBER AVAILABLEE-mail: EMAIL AVAILABLESUMMARY OF RELEVANT EXPERIENCEI am a seasoned mortgage professional with over 20 years of mortgage experience. I have expertise working with loan officers, processors as well as customers, clients, and partners. Proficient with mortgage underwriting, post closures and credit analysis, Due Diligence, Compliance Underwriting. Very familiar with all Mortgage / Real Estate related documents. Understanding of various mortgage and loan guidelines such as FHA, VA loans, USDA, and FNMA.
OBJECTIVES To attain a position within a company that would enable me to apply all my abilities and knowledge to accomplish Self Improvement and service to others within the global economy.SKILLS Completely Fluent in Spanish and English Excellent Interpersonal Skills Excellent Sales Experience Ability to Multitask Proficient with a variety of Computer Skills like: Calyx Point Mortgage Software,
Encompass Mortgage Software, Windows, Microsoft Office Professional, Outlook
Express, Accounting Software and Many More. Operations of various Fax Machines and Copy Machines. Oral and written communication Ability to act beyond established guidelines Self-motivated Problem solving Time management Analytical skills Organizational skills Leadership skills Issue resolution Client relationship Sales presentation skills Attention to detailTEAM PLAYER Ability to prioritize work and meet deadlines.
Ability to set goals and to design processes and procedures to meet the goals. Ability to solve complex issues.
Strong written and oral communication/presentation skills. Strong Client relationship skills. Ability to work independently with minimal supervision.PROFESSIONAL EXPERIENCEOctober 2020 June 2022Recovco Mortgage Land O Lakes, Fl. (Remote)Mortgage Compliance Analyst Thorough analysis of complex loan documentation; including appraisal reports, compliance inspections, title, credit reports, credit documents, income, verifications, bank statements, tax returns, financial statements, closing documents & disclosures. Insure all loans meet all bank, investor, federal, state and local policies, guidelines and regulations. Communicate audit defects in a clear and concise manner and within prescribed service level agreements to management. Thoroughly document the overall deficiencies in the loan file. Cure deficiencies in an acceptable time frame. Provide best in class customer service with a 'what can I do' approach to personal accountability; act as a mortgage subject matter expert by creating loan-level lending solutions through proactive problem solving, analyzing complex loan scenarios, and researching and answering quality control deficiencies. Check all audit findings for completeness and accuracy updating, reviewing, and responding to exceptions/defects or rebuttals until the report is reconciled and closed out. Identify red flags in the loan production process, conduct research and escalate issues to the manager or appropriate department Stay current on all changes and updates to these policies and guidelines. Perform other functions and assists the manager as needed. Respond to audits and all other requests. Communicate with internal team and assist with Compliance questions. Knowledge of all mortgage lending positions & functions. Request and track missing documents needed for post-closing quality control reviews. Thorough knowledge of policies & procedures, internal & conventional NON-QM, QM & Fannie Mae guidelines, and regulatory compliance. Thorough knowledge of credit, income, title, asset, property, legal documents, fraud detection, PMI, closing, compliance, and TRID. Review loan files for accurate and compliant loan documentation. Excellent customer service, verbal, and written communication skills. Self-Motivated, willing to demonstrate leadership, proactivity and team-building approach. Organized, detail-oriented, flexible & able to multi-task. Expert knowledge with compliance reporting (i.e., Mavent or Compliance Ease) to provide guidance on how to resolve fails. Excellent written and verbal communication skills. Expert knowledge of federal and state mortgage laws, including but not limited to QM/ATR, TRID, RESPA, Reg Z, HOEPA and HPML required. Recent experience with TIL, FNMA 5%, High-Cost Testing, and HUD-1 Fees for NPL.June 2019 October 2020StoneGate Investments Group Inc. Land O Lakes, Fl. (Hybrid)Property Investment Liaison
Analyze and assess the damage of several properties surrounding different county regions. Rehabilitate foreclosed multi-family properties. Arrange meetings with money lenders, potential investors and first-time home buyers. Preserve a close relationship with clientele, investors, and business partners to ensure business growth. Invest in distressed or foreclosed properties for rental income as well as for profit selling. Research properties and market conditions to determine which are favorable for rehabilitation and re-sale or rent. Negotiate with vendors and contractors for supplies and services. Worked with lenders, appraisers, and underwriters. Conduct financial analysis of all properties acquired: cash flow analysis, expenses analysis, cap rate, future equity appreciation, etc. Purchase distressed homes in foreclosure or pre-foreclosure status, repaired/remodeled them and resold them for a profit. Resource allocation and planning skills toward knowledge of principles and processes for providing customer and personal services. Proficiency with knowledge in promoting and selling which includes marketing strategy and tactics. Knowledge with administrative and clerical procedures including managing files and records. Invest in both commercial and residential real estate. Consult on real estate investmentsSeptember 2017 May 2018Citi Group Tampa, Fl. (Onsite)(AML) Anti-Money Laundering Analyst Conduct enhanced due diligence investigations in support of policies and procedures,
Responsible accurately gathering, maintaining and utilizing data in various product databases for future reference.
Conduct searches on gathered data for anomalous activity by utilizing the Internet, commercial databases, inquiries, bank inquiries, Sanction Screenings and contact with Compliance Officers within/outside the institution.
Create/Maintain Cases; applying and/or adapting changes obtained from training and the implication of any imposed sanction(s) or laws/regulation(s) to the task at hand.
Perform investigations which involve researching the Internet, in-house and commercial databases, and communications between country and Global Compliance officers, Law Enforcement, government regulatory agencies and other relevant sources. Responsible for collecting and evaluating the information and preparing well-written comprehensive reports writing, investigative techniques, internal systems, products and money laundering policy and regulation.July 2016 May 2017UAMC Mortgage/ Lennar Homes Clearwater, Fl. (Onsite)Disclosure Specialist Review each LE prepared by Loan Offices for accuracy of fees and adherence to program guidelines. Send initial disclosure packages to borrowers after reviewing and approving each LE. This must be completed within the required 3 days from application date. Review each loan file which had a change in fees or a changed circumstances" to determine if a re-disclosed LE and/or TIL is required. On loans requiring re-disclosure: Send the re-disclosures (that were prepared by the LO) to borrowers within the required time frame. Review RESPA Comments" in Destiny (loan origination system). Review Changed Circumstances reasons in Destiny. Upload and label re-disclosed documents into Blitz Docs (imaging system), which is now Encompass. On loans not required re-disclosures: Review changed circumstance" reasons in Destiny to indicate no re-disclosure is required. Communicate errors found in a timely manner so corrections can be made within required disclosure periods and closings not delayed. Incorporate additional audit functions as regulations and company policy changes. Prepare reports of the results of the validation process.May 2014 January 8, 2016Clayton Holdings LLC Tampa, Fl. (Onsite)Compliance Analyst/ Compliance Underwriter/ Due Diligence Support the knowledge of colleagues by sharing information about the department, business unit, organization, and the underwriting industry. Identify potential problems within the underwriting administrative process and make recommendations for changes to enhance the system. Manage workflow for multiple projects. Conduct required underwriting procedures for loans submitted from lending institutions. This includes reviewing loan files for completeness and accuracy, analyzing credit history, income, title reports and appraisals. Apply all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations. Develop and maintain positive business relationships with internal and external customers. Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/ or guidelines. Identifies portfolio risks resulting from clients underlying business practices, underwriting, and/ or fraud exposure. Perform other related duties as assigned. Ensure client objectives are met. Work along with Underwriting leads and experienced quality control underwriters. Part of the Spanish Travel Team for all Mortgage document translation.September 2013 May 2014JC III and Associates Inc Tampa, Fl. (Hybrid)Compliance Mortgage Underwriter Conduct required due diligence of loan files submitted from various financial institutions (includes reviewing loan files for completeness and accuracy analyzing credit documents including but not limited to mortgage applications credit history and income documents title documents appraisals and all applicable compliance documents. Review and analyze loan conditions and exception requests. Adhered to all client/lender policies and procedures in addition to Federal State and/or municipal laws and regulations within the due diligence process. Responsible for reviewing existing mortgage loans for inaccuracies, missing information and then updating the system. Demonstrate exceptional ability to manage time effectively work with deadlines and excel in a fast-paced environment.May 2011 August 2013Clayton Holdings Tampa, Fl. (Onsite)Mortgage Credit Underwriter Able to calculate income for numerous different scenarios (including both gross and net incomes per program) and applying guidelines while utilizing varying stages of documentation.
Calculate income by a year-to-date approach, double ended year to date approach, static hourly/weekly/bi-weekly/semi-monthly calculations, fixed income, self-employed income (using both P&L Statements and Tax Returns), rental income, boarder income and passive income. Thorough review of the borrowers credit report for back debt liabilities including the calculation of payments where there is a balance but no payment available (i.e., deferred student loans). Review of the borrowers bank statements to identify assets available (for imminent default testing), deposits of fixed income/alimony/child support/rental and boarder income, etc. Able to perform numerous types of mortgage calculations ranging from the basic (determining both LTV and mark-to-market LTV, debt to income ratios) to more advanced calculations (determining the maximum principal deferment for an FHA HAMP modification after the maximum Partial Claim amount has been calculated) Complete review of all title work (origination versus updated) for the determination of lien position and ensuring the mortgages first lien status, identifying subordinate liens and potential transfer of title due to death, divorce, quit claim, etc.
Able to identify the requisite documentation required from both the servicer and the borrower(s) for all the different programs and determine if what was provided meets the guidelines. Reserve Calculation, Income Calculation per FNMA and FHLMC Standards, Front End/Housing Calc., Back Debt Calc., Review of the Origination Note, Origination Mortgage,1003, 1008, Had Review (Points and Fees per state Regulations), TIL Review, LTV Calculation, Credit Report Evaluation, Guideline Adherence, Borrowers Ability to Repay.February 2011 April 2011JC III and Associates Tampa, Fl. (Onsite)Mortgage Due Diligence Conducted required due diligence of loan files submitted from various financial institutions (includes reviewing loan files for completeness and accuracy analyzing credit documents including but not limited to mortgage applications credit history and income documents title documents appraisals and all applicable compliance documents. Reviewed and analyzed loan conditions and exception requests. Adhered to all client/lender policies and procedures in addition to Federal State and/or municipal laws and regulations within the due diligence process. Responsible for reviewing existing mortgage loans for inaccuracies, missing information and then updating the system. Demonstrated exceptional ability to manage time effectively works with deadlines and excels in a fast-paced environment.September 2010 January 2011Bank of America Tampa, Fl. (Onsite)Home Service Specialist II/ Jr. Underwriter Reviewed conditions and loan transactions for accuracy/fraud prevention to determine final decision. Had authority to withdraw and decline loans. Reviewed Credit applications, credit bureau information, collateral valuation, tax returns, financial statements, appraisals, debt to income ratios, and the loan to value ratios and or other supporting documentation necessary to make appropriate decisions based on guidelines. Cleared conditions and issued changes to the terms on previously approved loans. Collaborated with sales team to fund loans quickly. Verified conditions of approval which included customer income/assets documentation.
Resolved routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances. Processed subordinations; resolved appraisal disputes; depending on channel, coordinated closing activities. Maintained a high level of customer service by being proactive in communication with customers, including banking center associates, etc. Focal point of communication with customers and sales force in the closing process of the loan.June 2004 August 2009First Choice Investments Tampa, Fl. (Hybrid))Mortgage Broker Corporate leadership not limiting to Accounting, Money Allocation, Profit and Loss, General Accounting Concepts.
Handle day to day activities of running a Mortgage Brokerage Business, including but not limited to Accounting, Originating, Processing, Managing, Verifying Closing and Post Closings of all loans that closed through our office. Establish and maintain relationships with New Clientele, Lenders, Title Companies, Insurance Agencies, Investors, Etc Manage a Team of 20 Loan Officers, 4 Realtors and 2 Processors within our office. Manage Sales of Bank Products, New Business, Operations, Customer Service, Compliance and Internal Policies and Procedures. Responsible for Hiring, Training and Staffing of Company Associates. Process Loans and Verify all loan Information. Review and verification of all schedules and title work related to all properties. Experience in reviewing official court documents, dockets, liens, judgments, mortgage, note, and warranty deeds. Obtains, prepares, and reviews documents for origination and processing phases of residential loans. Analysis of tax returns, financial statements, and review of Title Commitments. Exercise independent judgment allowing for minimal supervision of work functions. Provided training/guidance to employees with less experience. Perform or supervise activities requiring knowledge of technical, specialized, or professional skills. Provide information and assistance to loan applicants, and interact with CPA's, financial advisors and other parties to the transaction when necessary. Perform other duties and responsibilities as needed.April 2001 June 2004Best Investment Group Tampa, Fl. (Hybrid)Loan Officer/ Processor Take a complete loan application signed and dated by the Loan Officer and borrower(s)
Collect ALL signed and dated disclosures. Collect borrower documentation. Qualify borrower for the product and program selected. Identify lender and program. Provided borrower with a list of documents required. Verify disclosures are accurate and complete. Review credit report, bank statements, pay stubs & W-2s. Order appraisal and title. Order Payoff and subordination agreement (if necessary). Order hazard insurance for new mortgagee clause. Submit loan package to lender for Underwriter. Clear lender conditions. Prepare fee sheet, then submit to lender Coordinate closing schedule. Follow up to confirm closing was successful. Keep the client informed throughout the loan process.February 1998 April 2001Greatstone Mortgage Company Tampa, Fl. (Onsite)Loan Officer/ Processor Take a complete loan application signed and dated by the Loan Officer and borrower(s)
Collect ALL signed and dated disclosures. Collect borrower documentation. Qualify borrower for the product and program selected. Provided borrower with a list of documents required. Verify disclosures are accurate and complete. Review credit report, bank statements, pay stubs & W-2s. Order appraisal and title. Order Payoff and subordination agreement (if necessary) Order hazard insurance for new mortgagee clause. Follow and adhere to FHA Guidelines and Programs.EDUCATION AA Degree/ Business Administration, Hillsborough Community College, (Some College) (Not Completed) High School Diploma, A.P. Leto High School, Tampa, FL, Graduated in 1993 |
