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Click here or scroll down to respond to this candidateCandidate's Name
Cell PHONE NUMBER AVAILABLEEMAIL AVAILABLEBanking/Financial Background and SkillsnLoss PreventionnLoss MitigationnModificationnTitle Search/EscrownShort SalesnDeed in LieunBankruptcynForeclosurenQA AnalystnMS Excel, MS Access & MS WordnFannie Mae and Freddie MacnFHA, VA and Conventional LoansProfessional SummaryHighly skilled mortgage professional with over 20 years of industry experience. Exemplary problem solving and analytical skills. Ability to make sound decisions in a fast-paced environment while managing a high-volume portfolio with high loan balances. Detailed-oriented, prioritize and delegate tasks. Can work independently or within a team environment.ExperienceTexas Capital Bank Sr. Credit Analyst Specialist 10/2022 to 11/2023 Richardson, TexasAnalyze and interpret complex loan documentation, ensuring accurate system input on new, renewed, and modified loans on the ACBS system to include proper coding, structure, rate structure, billing schedules and funds disbursement. Participations, Syndications, Swap loans, Rate option lines of credit, Managed Assets facilities, and Core Loans.Perform system input of payment and advance requestsAccurately key loan terms from the loan approval and loan documentation into the ACBS system, FISERV, Abrigo and Ladrs ensuring alignment with the legal terms of the loan contract.Respond to requests from internal business partners in a timely manner.Aerotek Bank of America - Data Consultant I 01/2021 to 06/2022 Richardson, TexasSupport Commercial Banking and Syndication, in migrating from GBS to Loan IQ.Primary responsibility is to review Documentation in accordance with Bank policies and procedures, to facilitate the migration with QA.Works on routine to more complex documentation as assigned by Market Leaders or designee.Interfaces with company vendors, legal, counsel line partners and clients to ensure world-class documentation accuracy.Complete primary financial booking. Maintains primary responsibility for accuracy of documentation and Implementation into loan IQ.Experienced with booking Direct deals, Part Bought Deals, Trade Finance Facilities, R-Credits, and Leasing Deals.Experience with Libor Transition Paths-TP-SR coding. Ensure credit agreement include LIBOR alternative reference rate, using SharePoint and Excel to track progress.Experience with reviewing Credit Agreements and other legal documentation, ensuring facilities are booked accordingly into system of record and understands government regulation guidelines policies for Uniform Commercial Code (UCC)Achieve the goal to migrate from GBS to Loan IQ in the appropriate manner.Associa - Escrow and Resale Specialist 06/2019 to 12/2020 Richardson, TexasPrepare and review documents for closing and follow up on all escrow transitions.Open orders and complete document preparation to include gathering required information.Acquire all information needed to prepare required documents and escrow instructions from all parties (Statement of Accounts, Resale Certificate and Lender Questionnaire).Review Covenant Compliance Inspections reports and apply finding to orders.Assist with transitions in new communities and making products available and shoppable for the title companies.Monitor Help Spot email system for accelerated.Resolve internal and external customers question regarding document orders both via phone and email.Associa - Account Specialist 02/2015 to 06/2019 Richardson, TexasReview and identify account discrepancies within various HOAs.Process credits and charges to homeowner accounts as submitted by the branch office via Work Point such as misapplied payments, refunds, and bad debt write offs.Import mass homeowner charges/credits as submitted by the branch via Work Point.Process NSF/Stop payment checks on homeowner accounts.Set up Direct Debit (Auto pay for homeowners payments)Cancel Direct Debit as requested by homeowner/Branch office.Process settlement refunds.Work with external and internal departments such as Billing, Accounts Payable, General Ledger, Delinquency, Banking, Cash Receipts.Assist AP with aging reports/collection past due invoices.Wells Fargo - Quality Assurance Analyst 11/2011 to 01/2015 Addison, TexasPrimary Executor of loan files reviews for all state specific desktop reviews, ensuring compliance with investor, insurer, and regulatory guidelines. Complete loan level files reviews leveraging legal-compliance, checklists evaluate for accuracy.Be knowledgeable regarding state specific foreclosure procedures, statues and document requirements.Document observation as found during checklist review.Ensure all question, observations, missing documents were successfully summarized and stored.Escalate non-compliant observation to legal for review and severity determination.Document and capture answers/question to checklist questions. OCC PromontoryNationstar Mortgage /Centex Loss Mitigation Specialist 10/2001 to 09/2011 Lewisville, TexasExercise effective problem-solving skills and initiative to meet collection goals associated with curing loans, obtaining reaffirmation analyze and prepare files to assure appropriate action plan.Including, settlements and, saving charge off.Utilizing LSAMS, LPS during all facets of mortgage servicing including collections, foreclosure, bankruptcy. Working directly with mortgage servicers to approve all economic decisions including title search, HUD, RESPA.TILA. Short Sale,Loan Modifications, Waterfall, Remedies System, HAMP, Accurint,Cap Mod, Deed in Lieu, Cash cures, write offs and payoffs.Understanding of all government collection laws including Fair Debt Collections Act and ECOALoss Prevention (Promoted) 10/2002 to 8/2006Collected on portfolio of 250 accounts 60+120 days past due.Responsible to initiate and maintain contact with debtors collect paymentsSkip trace and the analysis of delinquent accounts to determine the debtors financial viability.Other responsibility daily reports and aging reports.EducationNorth Lake College, Mortgage Broker/Loan Officer (License)ATI Technical Institute, Business Management (Diploma)Richardson College Accounting 101 and Customer (Service Certificate)Irving, TexasDallas, TexasRichardson, TexasSummary QualificationKnowledge of the applicable laws and regulations pertaining to mortgage banking and financial services FNMA, HAMP, FORTRACS, Waterfalls, Vender Scape, LPS (Lender Processing Service), Promontory Analyst Task, Data Transmission Service (DTS) and Lombardi (Swat) Portal, BDCMS System, IRRIS Access, Electronic Document Manager (EDM), MSN, AACER, LPS (Default Solution), Loan Image Viewer, Work Points, C3 System, Excel, AS400, Strong Room, Vendor Maintenance Forms, Transfer Payment Forms and GAAP, V-Lookup, Branch Access, Community Archive, Standard Operating Procedure (SOP), and TRID (TILA-RESPA) guidelines and Dun & Bradstreet |
