***** ***** ******, ********, ** *****

718-***-**** E-mail: abhykz@r.postjobfree.com

JANET ROBERTS

objective

To obtain a position in a higher customer contact environment

with a growing company within a operational or support area.

Summary of qualifications

Extensive experience in the banking environment as a Mortgage

Processor Quality Control Specialist. Intermediate knowledge

of Microsoft office windows, word and able to navigate through

the internet. Work well independently as well as

collaboratively in a team written and verbal communications

skills with excellent phone etiquette. Work well with upper

management and peers in a professional and calm demeanor.

Employment

Wall Street Mortgage, NY 09/2014 to Present

Mortgage Processor

. Ensured that all files are complete prior to underwriter hand-off and

coordinated effectively with title companies to ensure smooth closings

. Successfully processed some of the most challenging loan applications

(first time home buyers, self-employed borrowers and borrowers with

problematic credit history)

. Provide expedient service cited as key to consistently high customer

satisfaction

Digital Risk LLC, FL 10/2009 to 04/2014

Quality Control Specialist

. Review employment documentation and re-calculate income documentation for

completeness and accuracy per guideline requirements.

. Review and re-calculate asset documentation per guideline requirements

. Review credit report and re-calculate liabilities

. Review title commitments and policies

. Review and analyze real estate purchase contracts

. Review and analyze borrower's mortgage applications and related documents

. Analyze individual loan files and determine compliance with applicable

lender guidelines and loan approval

. Perform appraisal reviews for completeness, health and safety issues and

external obsolescence.

. Validate data integrity of loan in LUSY

. Identify all red flags within a loan file and ensure they are addressed

accordingly

. Write up claim packages based on undeliverable loans to FNMA based on

FNMA scope

Wells Fargo Home Mortgage, FL 06/2009 to 08/2009

FHA Mortgage Processor

. Receive file once approved to clear condition

. Order re-inspections of property (if applicable), Flood certification and

title report

. Evaluate background information including employment and credit history

. Determine collateral needs. Clear title reports and review executed loan

documents

. Prepare file for final underwriting (within a timely manner)

. Maintain a professional and courteous attitude with all people including

fellow employees, management, customers and outside vendors

Hewitt & Associate, FL 09/2008 to 01/2009

Customer Service Representative

. Responds to customer contacts received via incoming calling calls or

internet

. Researches answer from tools provided or background knowledge

. Adapts responses to customers within minimal scripting available

UPS, FL 2007 to 12/2009

Revenue Recovery Auditor

When packages are unloaded on to belt it is my duty to check package for

accuracy recover lost revenue on package that are billed incorrect

Home Foundation Mortgage, FL 2007 to 8/2009

Mortgage Processor

. Performed general administrative duties in an accurate and timely manner

. Answer phones, handled customer inquires and addressed their problems

. Inputting file in system, reviewing appraisal when received

. Inputting file into system calculate income and debt ratio to qualify

. Making copy of package to submit file to investor, when approved then

clear to close

. Once file close I am responsible for following up on file with title

company to see if loan funded

. Make payments when funds are received and follow up to ensure actions are

completed

Morgan Mortgage Enterprise Inc., FL 2003 to 11/2007

Mortgage Processor

. Worked with Clients to under stand their mortgage goals objective and

provided solutions that met or exceed their expectations.

. Responsible for all income and out going documents on file and check all

. Research online for banks that have excellent sub-prime programs

. Download broker packages and submit information to lender for approval

. Maintained employee files, tracking staff attendance and maintained

database

Wall Street Mortgage Banks, NY 10/1998 to 11/2003

FHA Processor

. Pre-screening loans by working up ratios and doing self-employed Analysis

. Reviewing credit reports, appraisals and flood certification work up

92900A

. Sending out verification of mortgage, employment and deposit

. Send out opening letter, requesting all necessary documents and sending

out follow up letters

. Review file mail and legal correspondence. Typed loan applications

updated computer regarding file status prepare and package file for

underwriting conditions

Education

Francis Lewis High School 1986 - 1989

Laguardia Community College 1989 - 1990

REFERENCES

Furnish upon request

Contact this candidate