| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidate3904 Crispin Hall LanePflugerville TXPHONE NUMBER AVAILABLE EMAIL AVAILABLECandidate's Name
Professional Summary: to find a position that will magnify my numerous years of real estate, customer relations, and underwriting/ loss mitigation experience. In addition, to accentuate my traits of being highly motivated individual.April 2016 Present Freelance (Score Bug Op/ Production Assistant / OPS Assistant) Austin TXApril 2016- Present: Freelance TelevisionStrong overall knowledge of multiple sportsStrong communication and organization skillsAbility to react quickly and positively under tight deadlines in a fast paced environmentoOPS AssistantManage multiple peopleHire/ Maintain positive relationships with staff for future opportunitiesMaintain schedules for ESPN (Longhorn Network) Multiple sporting eventsProvide staffing for multiple sportsJune 2016 Present University Federal Credit Union Austin TXJune 2016-Present Mortgage UnderwriterReview and evaluate information on mortgage loan documents to determine if borrower(s), property, and loan conditions meet company and government guidelines and standardsEvaluates acceptability of loan to investorsRecommends approval or rejection of loan applicationsCommunicates decisions to loan officers and processors (and any other staff member)Maintains a professional, courteous, and friendly atmosphere for all customers/ membersFind alternative solutions to difficult situationsProvide new hires with additional on the job trainingVast Knowledge of mortgage guidelines from investors as well as government agenciesJune 2015 June 2016 IBC First Equity Austin TXJune 2015 June 2016 2nd Lien Mortgage UnderwriterEvaluate credit packages including verification of income and assetsPrepare all preliminary RESPA documents as well as any additional re-disclosure documentsPrepare any counter offers as well as adverse action notesMeet crucial deadlines requestedComplete all HMDA information necessary to properly close a loan file that does not meet originateMaintains company productivity level and complies with designated turnaround time for underwriting of filesCommunicate loan decisions to appropriate parties both verbally and in writingDemonstrate strong decision making skills and good judgmentReview residential appraisal valuation reportsWork with team members from Audit, Processing, Closing and Post-Closing DepartmentsManage mortgage loan application volumesDaily correspondence with other mortgage professionals through email and telephoneJanuary 2015 June 2015 Soloman Edwards Group Austin TXJanuary 2015 Present Project Consultant Onsite at OneWest BankCalculating debenture interest curtailment dates by performing legal review and due diligence analysis of reverse mortgage foreclosure process time-lines.Audit mortgage account timelines to ensure foreclosures were processed in compliance with all State and Federal laws while maintaining compliance with investor and company guidelinesJune 2021 September 2014 JP Mortgan Chase Bank Cincinnati, OH/ Irving, TXCHASE: Homeownership CenterJune 2011- September 2014 Relationship Manager II/ Customer Assistant Specialist IIIConduct face to face meetings with customers in default or at high risk for delinquency to evaluate their financial ability, intent, willingness, reason/risk for default, and apply the appropriate retention or liquidation solutions.Meet with non-profit agencies, loan officers, bank personnel and other referring agencies to identify potential customers in need of advisory services. Make outbound calls to potential customers who need advisory servicesNegotiate and formalize repayment / modification agreements based on investor guidelines (FHLMC, FNMA, FHA, VA and USDA) while evaluating income, assets, and custmers ability to repayNegotiate with beneficiaries, attorney firms and other third parties that have an interest in subject properties via voluntary and involuntary liens, in order to arrive at solutions that represent the interests of JPMC and its investors.Ensure requirements are met for deed-in-lieu and short pay transactions; including ordering/reviewing title, reviewing trusted sales guarantees and encumbrance of record reports or other available information.Make default servicing postponement decisions based on facts presented and the risks/rewards associated with accepting short payoff and deed in lieu transactions.Coordinate and facilitate loss mitigation efforts with associated departments, foreclosure counsel, investors (FHLMC, FNMA, FHA, VA and USDA), master servicing, default and real estate vendors and mortgage insurance companies.Initiate and monitor research on accounts as required.Participant in all HOPE NOW/ NACA initiatives and work with Chase's Homeownership Preservation Office to assist impacted customers.April 2009 June 2011 PNC Mortgage Miamisburg, OHApril 2010 June 2011 HHF (Hardest Hit Funds)Responsible for reviewing loans with the 19 states defined by the MHA (Making Home Affordable) program for options provided by each State guideline (Term Sheets)Implement process within the PNC Mortgage division that pertain to HHFProvided training to HHF Team on HHF process such as payment posting, and CDF (Common data form)Schedule meeting with States to discuss process and programs for HHF State programsPost payments according to the HHF processMaintain control of the borrowers account until file has been completed thru the HHF programInsure that follow up after HHF program borrower is placed on a permeate option or the loan has been reinstatedApril 2009 April 2010 Loss Mitigation Underwriter IIIResponsible for review loan for loss mitigation options within the guide lines of FHLMC, FNMA, FHA, VA, and USDARepayment Plans/ within PNC Delegations with FHLMC, FNMA, FHA, VA and USDAForbearance Plans/ within PNC Delegations with FHLMC, FNMA, FHA, VA and USDALoan Modifications/ within PNC Delegations with FHLMC, FNMA, FHA, VA and USDAAnalyze mortgage documents including Profit and loss statements, tax returns, and credit reports and to synthesize data to determine optimal outcome for borrowers.Create and maintain files and systems under the directions of Loss Mitigation, for use in establishing eligibility and qualification for workout programsWork escalation files provided by Escalations Team, Executive office, Traveling Team and other third parties with the intent of resolving escalations for homeownership preservationRecommend process improvements, written procedures when neededAssist with training of new hires and provided refresher training when neededReview loans for the Home Affordable Modification Program (HAMP), BACK UP Mods, HHF Programs.Utilized various internal and investor systems, such as, Workout Prospector II, Corelogic, First American, BPO Direct and VentureMaintained an average audit score of 90% or higher per the FHLMC auditsMaintained an average of 97% on phone monitoring2008 April 2009 CBS Personal Staffing Cincinnati, OHCollection AssociateCorporate collections on business accounts from small business to large business including corporations, and government agenciesReviewed accounts starting as recent as one week past due to forwarding to attorneys for further collection actionWorked closely with Collections Director and DNBi to implement new collection tool used with in the current collection department2005 2008 Austin Telco Federal Credit Union Austin, TXSenior Collections CoordinatorResponsible for collection/bankruptcy accounts including secured, unsecured, and home equity loansCounseled members on the importance of maintaining a good credit rating along with providing members the option of payment arrangements that suited their needs while ensuring Credit Union guide lines were metSubmitted credit information to the three main credit institutions to resolve credit issues or disputed informationMaintained all insurance information force placed and non-force place insuranceReviewed all bankruptcies accounts and set up reaffirmation agreements including attending creditor meetingsMaintain all Levys (IRS, Comptroller, Attorney General or Garnishments)Prepare end of month reports for board members and internal management2003 2005 Vanderbilt Mortgage Austin, TXPre-foreclosure RepresentativeResponsible for an excess of 1,200 accounts per monthProvided options such as repayment plans and forbearance options on bank owned loansInformed clients of loan types such as simple interest loans, ARM loans, and conventionalFrequently prepared accounts for repossession and legal actionEducation: Pflugerville High School 1995-1999Personal QualitiesAbility to multi-taskAttention to detailsTakes initiativeUnderstand time sensitive projects as well as deadlinesStrong team building skillsVerbal and written communication skillsVolunteers assistance to others |
