Warren McCall

aca432@r.postjobfree.com - 757-***-****

• Accomplished business professional with 10+ years experience in the mortgage industry

• Skilled Loan Processor & Underwriting: Conventional, Fannie Mae, Freddie Mac, FHA, VA

• Experienced in the areas of Closing: HUD Review, Lien / Title Search/ Post-Closing

• Knowledge of Loss Mitigation, Short Sale Negotiations, Liquidation

WORK EXPERIENCE

Jr. Mortgage Underwriter/ Special Loan specialist

Loan Care - 2012 to 2013

Underwrite Loan files to determine compliance with company, investor & FHA/VA guidelines

• Maintain Quality control standards while maintaining production standards by company's definition

• Perform Final approvals & reviewing the entire loan file through verifications processes, including adherence

to multiple investor guidelines and compliance

• Reviewing validity of documents submitted, including expiration dates, property types & signed LOE

• Assist the mortgage loan personnel with product guidelines, required loan documents & approval conditions

changes

Home Servicing Specialist

Wells Fargo Home Mortgage - September 2011 to January 2012

contract complete)

• Review single loan exceptions, files and/or online transactions individually or in aggregate to determine

if processes or documentation are in compliance with internal company requirements, insurer guidelines,

investor requirements and/or Government regulations

• Identify, research, resolve and report all discrepancies related to loan modification documents and investor

guidelines

• Work out solutions for loan throughout the life of Modification

• Removal of Loans in Modification Pipeline

• Implement Guidelines for FHA, FHLMC, PRIVATE & INVESTOR loans

Servicing Specialist / Loan Modification / Closer

Bank Of America - 2010 to 2011

Audit completed files per Gov't Guidelines For approval for Modification

• Implement procedures using Excel Spreadsheets, updated daily

• Work out complex approvals for loss mitigation options, including, short sales, deed in lieu, and new initiative

MHA (Making Homes Affordable) Program

• Performed activities relative to Closing: HUD Review, Lien / Title Search

Loss Mitigation Negotiator

JP Morgan & Chase - 2009 to 2010

Input customers financial information sent from Outlook, Fax or Inbound calls.

• Negotiate terms and acquire documentation from attorneys

• Correspond with customers and attorneys in order to facilitate best resolution for customers

• Work out complex approvals for loss mitigation options, including, short sales, deed in lieu, and new initiative

HAFA (Home Affordable Foreclosure Alternatives), bankruptcy and foreclosures

• Monitor and Collect payment on delinquent accounts

Mortgage Processor/ Mortgage Underwriter

Washington Mutual - 2001 to 2008

Protected mortgage investments by evaluating loan risk & approving or rejecting submissions

• Verified loan applications information, compared it to loan guidelines & requirements

• Clarified any risk by requesting additional Information

• Rejected loans by identifying and documenting deficiencies as they related to guidelines

• Processed conventional conforming & Jumbo loans, FHA and VA to include both purchase & refinance loans

• Underwrote: Alt A, Sub-Prime, single Family, Condo's Town homes & 2-4 units

• Created and distributed spreadsheets to appropriate departments

EDUCATION

Business Administration-Management studies

Florence-Darlington Technical College - Florence, SC

ADDITIONAL INFORMATION

• Proficient computer skills: Microsoft Office Suite (Word, Excel, Outlook), Adobe

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