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Click here or scroll down to respond to this candidateLAZERIAMERVINStreet Address
PHONE NUMBER AVAILABLE EMAIL AVAILABLEAnalytical, organized and detail-oriented individual seeking a responsible and challenging role where my education and experience can aide in achieving the best results for business growth, while also gaining knowledge for personal and professional growth.EXPERIENCESuccess MortgageMortgage Loan Closer Livonia, MI2020-PRESENTReview executed loan documents to ensure accuracy and proper execution prior to issuing funding authorization to closing agentsReview DPA Loans, Texas, VA, FHA, USDA, ConventionalReview and complete high-priority escalated filesCorrespond with Loan Officers and Title companiesPrepare all documentation for loan packages and arrange final closing meetingCorrespond effectively with internal and external parties to ensure deadlines are met for scheduled closingsUtilize Encompass Application to update loan origination informationUniquely qualified in streamlining company lending procedures, operations, and methods, and increasing both productivity/profitability in the functional areas of: Mortgage Lending Origination, Processing, Closing, and Funding, and Auditing, FHA, VA, USDA Conventional, Reverse & Forward Mortgage Loan Administration ProcessingSuccessfully closed an average of 100 loans per monthAssisted closing department in increasing monthly numbers from 32 million 80 million within one year of employmentAngel Oak MortgageBusiness Consultant ll Atlanta, GA2017-2020Works individually or within a team on small to large complex technology business consulting implementation projects to meet specific client requirements.Develops and implements solutions that require analysis and research.Act as a liaison between end-users and the information technology organization consultants during IT and technology consulting projects.Responsible for researching and documenting client needs, technology, or regulations related to system design, enhancement, acquiring hardware or software that will impact multiple platforms and/or applicationsActs as team leader for technical aspects of consulting projects.Modifies processes and procedures to achieve greater results and to solve the most complex business process problems related to computer equipment capacity and limitations, operating time, and form of desired results.Assists client in User Acceptance Testing (UAT) to ensure enhancements made to applications meet client needs and that application integrity is maintained.Creates detailed specifications from which programs will be written.Recreates client issues in test environment, identifies/documents how applications and systems interact to support business processesAngel Oak MortgageCompliance Specialist Atlanta, GA2015-2017Review and research initial disclosures for compliance and accuracyReview and complete Compliance projects on a weekly/monthly basis to meet specific requirementsDisclose and re-disclose loans in accordance with state and regulatory guidelinesInput loan origination data into EncompassIdentify and validate change of circumstancesGenerate accurate disclosures within mandatory time framesComplete follow up for loans that require disclosure or re-disclosure dailyComplete Monthly QC filesComplete quarterly HMDA data reviewComplete QC findings reviewMaintain company-defined quality and quantity standardsDeliver training to new employees and provides subject matter expertise supportCrescent MortgageCustomer Service Associate Atlanta, GA2014-2015Ensure Provides customer solutions by providing seamless delivery of service, or fulfillment requests by answering calls and emails in a contact center environmentCustomer calls included tax payments, collections, insurance, claims, payoffs, and document release and billing issuesPerformed routine account related transactions; working with support organizations to fulfill the customer request.Achieved monthly individual and team based performance targeted sales goalsEffectively linked customer needs to product service solutions within a complex based sales environment..Digital RiskFront-End Forensic Underwriter2012-2014Review employment documentation and re-calculate income documentation for completeness and accuracy per guidelinesReview title commitments and policiesRevie Appraisal for guideline and USPAP complianceReview and analyze borrowers mortgage applications, credit reports and related documentsReview and analyze real estate purchase contractsReview state and federal disclosures for complianceVerify proper licensing of parties to loans being reviewedAnalyze individual loan files and determine compliance with applicable lender guidelinesPerform in-depth research to document critical credit documentation is accurate (income, employment, occupancy, credit, assets, valuation, contract, HUD-1, interested party involvement)Digital RiskLoss Mitigation Underwriter/ Quality Assurance2012Review employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirementsProcess 6-7 files daily with a quality rating of 98%After 4 months as a underwriter was promoted to a Standalone Underwriter; Reviewing and QC files.Analyze all factors of a borrowers loan application, including employment, income, credit, collateral and assetsPerform detailed and accurate mortgage calculations such as income, DTI, LTV, CLTV, and cash to closeSeek concurrence with AUS approval requirementsReference agency (FNMA/FHLMC) guidelines for different mortgage loan transaction types: purchase, refinance, non-owner occupied, second home, condominium, multi-familyReview and recalculate asset documentation per guideline requirementsReview and provide Quality Assurance feedback on loan file reviews completed by internal staffFollow quality assurance policies and procedures to ensure compliance with scopes of workSupport the Loan Review team by providing accurate, concise, and constructive feedback detailsReview title commitments and policiesFHA DE, VA CREDIT and VA LAPP government designations are preferredAppraisal review for guideline and USPAP complianceVerify proper licensing of parties to loans being reviewedReview and analyze borrowers mortgage applications, credit reports and related documentsReview and analyze real estate purchase contractsReview state and federal disclosures for complianceAnalyze individual loan files and determine compliance with applicable lender guidelinesDigital RiskImminent Default Closer/ Default Quality Specialist ll2010- 2012Daily use of MSP, Customer Service Workbench, LISA, WPII, Pega and Agent Desktop, and CCWPerform closing function on imminent default final modifications for FNMA, FHA, VA, FHLMC, bank-owned and private investorsObtain all third-party approvals including investor and mortgage insurance company approvalsPerform review of retention mortgage modification loan workouts for accuracy to investor compliance and ensure the most suitable workout was used based on customer provided information using the processing softwareVerify accuracy of Underwriters review based on current programs and procedures.Validate investor (FHLMC, FNMA), insurer, guarantors guidelines and internal policies were met.Analyze customer financial ability and verify income sourcesReview PMI delegations and investor approvals for modificationsReview 25-30 loans daily meet targets for productivityJP Morgan ChaseCustomer Service Associate2009-2010Educated customers regarding the value and benefits associated with products and services.Effectively linked customer needs to product service solutions within a complex based sales environment.Achieved monthly individual and team based performance targeted sales goals.Ensure provides customer solutions by providing seamless delivery of service, or fulfillment requests by answering calls and emails in a contact center environment.Customer calls included tax payments, collections, insurance, claims, payoffs, and document release and billing issues.Performed routine account related transactions; working with support organizations to fulfill the customer request.JP Morgan ChaseNote Control Analyst2008-2009Receive Original Note mortgage documents via courierInputting critical information in (NPLOS Loan Origination system and IECP)Verify accuracy of all data entered into loan origination systemAdd conditions into loan origination system on any discrepancy of a loan for funding departmentVerify all endorsementsVerify Bailee Wire informationProcess loan same day servicesProcess pipeline of 100-150 loans per weekMaintain individual log of all incoming/outgoing itemsValidate all wire transfersMortgage Educators of AmericaJr. Underwriter/ Loan Processor2005-2008Perform in-depth audits and underwriting reviews of closed mortgage loansPerform pre-underwriting prior to file submission to lender.Underwrite and process mortgage loansReview and analyze customer financialReview for red flags potential fraud, renewals, modifications,Managing credit metricsClear all risk conditionsPrepare written performance appraisals for subordinate personnelDirects communications with Mortgage Brokers, Account Executives and Closing Agents on all submitted loansUtilize detailed knowledge of title, appraisal review, applications and creditAudit all closed files to ensure all HUD and investor guidelines have been adhered toEstablish quality control/performance objectives in order to ensure that buy-back/put-back activities are monitored in accordance with U.S. Federal lawsEDUCATIONFlorida Community College at Jacksonville, 2001-2003William M. Raines High School, 1994-1998KEY ACCOMPLISHMENTSRecognition Gold Award Employee of the month - JUN 2023 |
