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Click here or scroll down to respond to this candidateCandidate's Name
Palm Beach County, FLEMAIL AVAILABLEPHONE NUMBER AVAILABLEQUALIFICATIONSLicensed Mortgage Loan Officer, Loan & Sales Assistant, Pipeline Management, Account & Sales Management, Credit Analyst, Accounts Payable & Receivable, Collections. MY DISCLAIMER: Please be aware, I have been employed with multiple mortgage companies over the years due to mergers, acquisitions and the economy. Extremely detail oriented, able to work remotely and in an office environment. Twenty-four+ years of experience for all residential mortgage loans and pipeline management. Conventional, FHA, VA, USDA, Reverse, Down Payment Assistance, Direct and Brokered Lending. Originate mortgage loan applications from beginning to the final stages of the loan process. Carefully review and disclose loan application with disclosures. Work directly with realtors, title companies, insurance companies, closing and post-closing departments. Knowledge of State and County Down Payment Assistance programs and guidelines. Two+ years of nationwide abstracting, legal research and retrieval in the courthouses. Detailed searches of property appraiser and land records to preform full property, judgment and lien searches. Knowledgeable in evaluating credit reports via Equifax, Experian, TransUnion. Knowledgeable in evaluating residential appraisals. Knowledgeable in review of income/asset documents and income calculations. Navigate loan origination systems CRMs and more: Encompass, Calyx, All Regs, e-Leads. Excellent and professional customer service, follow up and time management skills. EXPERIENCEJune 2023 Present PHH Mortgage West Palm Beach, FL Contract Management Coordinator-Hybrid Review and execute a variety of documents for court proceedings pertaining to servicing mortgage loans. Document review of affidavits/sworn statements, declarations, complaints, petitions, deeds, Certificate of Proceeds, Pleadings, Proof of Claims, Loss Mitigation Affidavits, Real Estate Owned. Notarization of legal documents while ensuring the documents meet all state notary guidelines. Review and confirm the accuracy of documents drafted by outside counsel. Ensure all the steps taken during the verification, execution and notarization of documents are in compliance with Ocwens policies and procedures, state and federal laws. Communicate with investors; vendors attorneys, other business units teams, Ocwens legal and senior leadership to manage cases towards resolution. Produces error free work material by assuring data and documents are consistent, error-free, formatted properly and compliant to Ocwen, investor, state and federal verbiage requirements. Navigate effectively through the system of record to ensure all information within all documents are verified in a timely manner. A team player: work with co-workers to assist in achieving department goals. Knowledge of the foreclosure and bankruptcy process and terminology. Detailed and goal oriented, great problem solver, able to multitask. April 2023 May 2023 Good Greek Moving & Storage West Palm Beach, FL Inside Sales Professional Handle all incoming sales calls and Internet leads. Reach out to prospective and existing residential and commercial clients to generate sales. Maintain an accurate database with customer information, update leads, follow up, etc. Schedule sales inspection appointments. Completed detailed inventory of items to be moved in order to schedule proper crew and trucks. Process payments for scheduled moves and storage facilities. Perform job duties assigned by supervisors. Interact with clients and potential prospects via social media marketing and email marketing. October 2022 March 2023 Ed Morse Honda West Palm Beach, FL Internet Sales Representative Handle all incoming sales calls and Internet leads. Maintain an accurate database with customer information, update leads, follow up, etc. Support on-line customers by establishing rapport, answering questions, providing information and setting appointments. Meet and greet customers in the showroom and provide a warm hand off to the Product Specialist. October 2021 - August 2022 Cross Country Mortgage Naples, FL Loan Officer Assistant & Mortgage Loan Officer- Remote Develop and maintain business referrals, worked directly with real estate agents. Pipeline management: follow up with new and existing loan opportunities. Originate purchase and refinance loans in Florida. Update and complete loan applications for Pre-Approval to purchase and refinance. Verify Income and Assets in order to issue Pre-Approvals to purchase. Obtain AUS approvals, complete loan itemizations, review pricing and lock loans. Review Purchase Contracts and Addendums in order to accurately structure the loan application in Encompass. Request and review pertinent income, asset and supporting documents per lender guidelines. Research Self-Employment & Down Payment Assistance guidelines. Request credit reports, review, analyze credit and utilize credit simulators. Request and review results of Data Verify, Flood Certifications and Elevation Certificates. Request title, provide important information to the title company about the buyers and sellers. Request verification(s) of income and employment, written request or via 3rd party verifier(s). Request insurance quotes and request to bind insurance once the borrower(s) has decided. Research property database for tax bills, recent sales, deeds and ownership per guidelines. Research and create correct file contacts for realtors and title companies to include licensing information Encompass database.April 2019 - October 2021 Guaranteed Rate Tampa, FL Loan Officer Assistant & Mortgage Loan Officer- Remote See above qualifications and duties as a Loan Officer Assistant. April 2018 - November 2018 P R M G Miami Shores, FL Mortgage Loan Officer Originate purchase and refinance loans in Florida. Develop and maintain business referrals. Follow up with new and existing loan opportunities. Network with real estate agents, insurance agents, attorneys. Conduct Lunch and Learn seminars and other networking events for real estate agents. Update and complete loan applications for Pre-Approval to purchase or refinance. Verify Income and Assets in order to issue Pre-Approvals to purchase. Obtain AUS approvals, complete itemization, price loans and lock loans. Review Purchase Contracts and Addendums in order to accurately structure the loan application in Encompass.June 2016 - March 2018 Waterstone Mortgage St. Petersburg, FL Remote Loan Officer Assistant- Remote See above qualifications and duties as a Loan Officer Assistant. January 2000 April 2016 Various Mortgage Companies Maryland & Florida Mortgage Loan Officer & Loan Officer Assistant See above qualifications and duties as a Mortgage Loan Officer. August 1996 - December 1999 Hylind Search Company Baltimore, MD Officer Manager Managed a small office of employees, delegated daily research orders. Nationwide public research and retrieval, abstracting in courthouses. Researched land records to perform full property, judgment, various lien and UCC searches. Requested and provide results for Good Standings from the Secretary of State, Maryland. Completed accurate and detailed data reports on findings. Performed accounts receivable and accounts payable duties. June 1986 - July 1994 Sports Elite Baltimore, MDOwner/Operator Owned and operated two retail sporting goods stores on a daily basis. Managed employees, handled payroll and accounts payable. Attended trade shows nationwide. Pre-booked merchandise orders for upcoming seasons. Held promotional events-contracted professional skateboarders for skate demos. Professional skateboarders/skate team members that promoted our stores were Bucky Lasek and Brandon Novak.LICENSES & EDUCATIONMortgage Loan Originator License # LO33656Nationwide Mortgage Licensing System NMLS # 220503 State of Florida Notary Public ID # 1776656CCBC/Community College of Baltimore County, MD Limited Courses Overlea High School, Baltimore, MD Graduate-HSDGREEK SCHOOL Graduate-Six Years of StudiesLanguage, Reading, Writing and Mythology Studies St. Demetrios Greek Orthodox Church References are available upon request. Thank you for your time and consideration. |
