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Click here or scroll down to respond to this candidateCandidate's Name
Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLEProfessional Summary:Articulate Litigation/Mediation & Bankruptcy driven to succeed. Strategic planning and client relationship management expert.Core Qualifications:Six Sigma Classes Expert in Bankruptcy/LitigationExpert in BKFS (LPS) Account ManagementOperations management Client RelationsClient-focused Creative Problem SolvingQuick learner CRM SystemsProficient (SQL; E-Compass Customer Needs AssessmentMicrosoft Office Basic Java Results-orientedReports generation and analysis Multi-Task ManagementContract negotiation/review/drafting Project ManagementTraining and development Tax PreparationLegal (mortgages) Home Retention GuidelinesPresently in College Master Degree May 2020Experience:Processor Mortgage /Java and Tester TraineeOctober 2016 to April 2018Accenture TechnologyBuilt relationships with customers and kept them informed of the mortgage process.Reviewed 1003 applications and requested the needed documentation.Identified risk by reviewing financial income and debt as well as credit; Recommend completed files for final approvalEnsured government and state laws and guidelines were followed with in the mortgage lending processTraining in basic Java using methods of variable declarationsBasic Training in SQL by setting up queries and grouping and data entryBasic Testing of softwareCSR AnalystApril 2016 to Jan 2017Veterans AffairsReviewed veterans intake documents which consisted of medical records; rate of pay to place a monetary value on disabilitiesIdentified material deficiencies or issues including identification of inconsistencies.Identified risk and offsets in pay rate; completed reports and investigated case files for accuracy.Conversed with attorneys and other interested parties to build a business relationship of trust.Ensured government and state laws and guidelines were followed when making a decision on veterans disabilitiesSigned off on leave pay and disability amounts; Cohobated with colleagues to develop a software application to make a smoother process.Recommended files for final approval by upper management; Created and maintain document data base.Setup and managed paper electronic file systems; recorded and updated information by using various applicationsDocument Analyst IIDec 2015 to March 2016Wells Fargo BankClearly communicated overall process or transactions quality and provide feedback to contacts.Identified material deficiencies or issues including identification of inconsistencies.Identified risk and offsets and develops solutions for the set time frame.Examine documents and credit reports, escrows, mortgage documents for the initial review.Ensured government and state laws and guidelines were followed; Checked for title reports for assignments.Signed off on documents contesting to their accuracy; Reviewed work done by others.Recommended files for revisions; Presented findings to colleagues and upper managementDeveloped charts and graphs to report findings; Collaborated with team members to bring forth a positive solutions.Customer Relationship Manager/Analyst - Bankruptcy & LitigationJuly 2010 to October 2014Bank of AmericaManage and analyzed Bankruptcy& Litigation accounts to make sure government and Investor guidelines are being implemented doing the mortgage processes.Applied state and government laws doing the mortgage qualification period for customers.Review tax returns, 4506T, Dodd Frank and Request for Modification for accuracy.Examine documents and credit reports for the initial review.Communicate government programs to customers and foreclosure process. Built quality relationship with customer to bring forth a positive business relationship for the bank.Provide underwriting guide lines and managed the processes.Preparer Legal Case for Home Retention and Mediator for BOFA court cases.Loan ProcessorAugust 2010 to June 2011Mortgage Loan ProcessorWells Fargo Mortgage - Charlotte, NCProcessed Conventional and FHA Mortgage Loans in a wholesale environment.Ensuring that all state guidelines on rules and regulations are being followed.Checked for accuracy on the 1003 ApplicationVerified income, work history, tax returns and credit report to ensure clients were in compliance for the loan.Resolving any problems that arise pertaining to special client issues.Set closing and Fund loans.Tax Preparer (Seasonal)April 2008 to June 2019SaltMarch & Associates tax Company - Charlotte, NCTax Preparer Conducted interviews with tax clients whom may be negative or emotional to compile information to derive at the clients filing and financially statues. Prepared/ process 1099Analyzed tax clients financial income and debts to apply appropriate Federal and State tax lawsPrepared tax returns that included referring to required documentation such as information reporting documents and limited schedulesEffectively communicated to the tax clients their responsibility to the Internal Revenue Service Transmitted tax returns using a web base program that transmit to the Internal Revenue ServiceReviewed transmission reports for all decline tax returns and refund returnsAnalyzed the rejected returns to located denial codes sent by Internal Revenue ServiceCorrected errors on tax returns and retransmitted rejected returns;Process and printed refund check for tax clients and advised tax clients there.Appraisal/Title Analyst Mgr.January 2005 to January 2009TransUnion - Charlotte, NCManager Customer Service & Appraisal/ Vendor Management s supervised a team of 35 in house employees and over 160 vendors out of office and ensuring that all rules and regulations are being followed and administered daily to include performance evaluations.Handling escalated issue through interaction with vendors, customers and clients within internal/external operations to coordinate appraisal reviews and obtain reports in a productive turnaround time.Maintain team production and workload to ensure that all pipelines are being effectively worked whileProviding tools essential for functioning effectively within the department.Meeting facilitators and agenda coordinator to cover guidelines changes and updates through presenting all resources available reflecting the change.Tracking time/attendance and handling H.R issues.Producing reports and ensuring that all guidelines and goals are being met.Assisted in writing.Closing Coordinator/ParalegalJanuary 2003 to January 2005Atlantic aka Transunion - Charlotte, NCPrepared closing packages and forwarding them to the Attorney/Title Agent in a production turnaround timeEnsuring accuracy of the borrower's information; also in registration, processing, funding, and posting closing.Retail/Subprime mortgage loans coordinating.Wholesale FHA loan closingCalculated all line items for the Good Faith Estimated and assured accuracyPrepared Truth in Lending States consisting of annual interest rate, finance charges, amount finance andtotal payment for the length of the loanChecking borrowers debt to income ratios by using mathematic formats to assure mortgage guidelines are being enforcedInteracted with customers by taking loan application 1003 for processing a mortgage loan.Compiled and verified customers work history, and verified income from IRS by submitting a 4506T formAssisted attorney with closing by conducting the closing process paperwork explaining the closing documents to the borrower.Assurance/ TransUnion Lien Clearing Team LeaderJanuary 2001 to January 2003Atlantic Assurance AKA Transunion - Charlotte, NCImplement new Lien Clearing Department after showing an increase in business by analyzing a six month history of Title reports using Excel software.Increased the company probability margin by 28% allowing the growth for new employees to be hiredTrained new Lien Clearing employees on how to review Title reports and research Liens and judgments by using web base InternetAfter locating the lien or judgment on court records we verify the validity by name, social security number, license or written consentThe lien or judgment is paid off or items dispute by us for our clientOnce we have the lien or judgment clear we then send a legal document to the court of record to release the lien or judgmentResolved complexly issues and assisted hostile clients for the teamScheduled time off request and update monthly events calendar.Examiner CoordinatorDecember 2000 to January 2001Atlantic Aka Transunion Settlement - Charlotte, NCReviewing and examining information gathered by abstractors in regards to a search of the borrower'sproperty, which consists of the existing documents of record at the court house and verifying the validity of the documentsProcess the mortgage information and arranging the documents in a standardized order that shows all information pertaining to the property in the order which it was occurred.Allowing lenders to review and decide if the customer can be approved for a loan or if they need to clearany outstanding exceptions.Liens, judgments or the title issues, closing relationships with institutional lenders/abstractors.Education:Computer SoftwareNew Horizon Computer Center - Charlotte, NCMicro-soft Word, Lotus, Excel, Power Point, Publisher, and AccessSQL Basic, Java Basic codingWatterson Technical InstituteCoursework in Accounting, Financial Planning, Business ManagementDiploma: General StudiesGrainger High School - Charlotte, NCEastcoast Bible College Charlotte, NCAndersonville Seminar GeorgiaNorthwest Seminary (presently in Master Degree program)Professional Affiliations:North Carolina Paralegal AssociationOrdained Minister Corpus Christi Faith ChurchOwner of Tracy Baldwin MinistryAccomplishments: Author of Let's Get NakedInternational and National Evangelist |
