AnnaMarie Rivera

** ***** **. ** ***********, NY 11735

Mobile: 917-***-**** Home: 516-***-****

mailto:accu03@r.postjobfree.com

profile

Highly qualified and accomplished financial professional offering 11+ years

of experience in leadership and direction in the financial services and

mortgage industries. Combine excellent technical and analytical

qualifications along with broad knowledge and background of underwriting,

risk management, and due diligence. Seasoned goal-oriented individual with

extensive experience in processing and underwriting knowledge for residential

loans. Proven ability to function in changing environments, and interact

effectively with all levels of support staff in order to increase revenues

and improve profits. I am well organized and have very strong communication

skills, troubleshooting skills and problem solving techniques. I am a

hard-working team player who can multi-task with ease.

Core competencies include:

Detailed-oriented, capable of prioritizing a broad range of responsibilities

in order to meet deadlines.

Positive thinking, self-directed and results-oriented with the ability to

motivate and inspire others.

Highly self-motivated, confident and eager to learn and apply new skills.

Work well independently and as part of a larger team.

I am very versed in developing & maintaining strong professional

relationships with business partners

Strong verbal, written and interpersonal communication skills as demonstrated

in collaborating with individuals at all levels and team members at both work

and academic projects

Professional experience

Intercontinental Capital Group 6/12-8/13

Sr. Mortgage Processor

Provide support to loan officer and underwriter teams by ensuring

the timely, judicious and accurate processing of mortgages.

Review and verify borrowers' income, credit reports, employment

histories, property appraisals and title insurance information to

prepare loan applications for underwriting submittal. Ensure

compliance with company policies, underwriting guidelines and

lending-program requirements.

Recipient of "Quality Excellence Award"

Reviewed files for initial underwriting review

Ran files through DU/LP for A/E

When file came back from underwriting I was able to examine and

request documents in a timely fashion.

Followed up on a consistent basis to make sure doc's were

returned in a timely fashion.

Monitored all documents for accuracy and ensured they met all

federal, legal & compliance and guidelines

Examined appraisals & titles for accuracy

3rd party verifications

Interface w/attorneys and loan officers to ensure all docs were

in place prior to scheduling closing date (title, survey,

appraisal, sales contract, good faith estimate, wire

instructions, closing protection letter); Completed HUD-1;

Updated 1003

I have experience assisting clients with the ever-expanding range

of federal laws, including the Truth in Lending Act (TILA), the

Real Estate Settlement Procedures Act (RESPA), the Fair Credit 2/11-6/12

Reporting Act (FCRA), the Fair and Accurate Credit Transactions

Act (FACTA), the Equal Credit Opportunity Act (ECOA), the Fair

Debt Collection Practices Act (FDCPA), the Fair Housing Act

(FairHA), the Home Mortgage Disclosure Act (HMDA),

JP Morgan Chase

Sr. Mortgage Processor

Maintain a pipeline of up to 60 files

100% CSAT scores (customer satisfaction scores)

98% Quality review scores

Review files for initial underwriting review

Able to exceed my monthly goals on a consistent basis

File come back from underwriting follow up with conditions needed

in a timely fashion.

Able to examine titles and appraisals

3rd party verifications

Interface w/attorneys and loan officers to ensure all docs were 02/09-2/11

in place prior to scheduling closing date (title, survey,

appraisal, sales contract, good faith estimate, wire

instructions, closing protection letter); Completed HUD-1;

Updated 1003

Bank Of America

DSC Analyst (Defect Solution Center) Post Closing Specialist

Reviewed post closing doc's for defects.

Once a defect is found contacted underwriters, processors,

closers and in some cases borrowers to rectify this defect.

Tracked defects on an analyst log

Followed up daily with outstanding defects until they were

resolved and cleared.

Handled escalated defects with management.

Once all defects are cleared did FHA Endorsement to make sure the

loan was insured.

Home Service Specialist II (Processor)

Used Edge & Statusmart systems and Clues for U/W

Processed both conventional and FHA mortgages.

Reviewed documents for approval, calculated income, reviewed

appraisals & prelim titles.

Spoke with clients on a daily basis to maintain a high level of

customer service.

Processed 3rd party verifications such as verif. of employment, 1/08-2/09

rent, & mortgage.

Solved routine title issues such as judgment liens, vesting

issues, child support liens, & undisclosed liens.

Knowledge of FHA connection

Northern Leasing Corp.

Underwriter

Managed hundreds of reps.

Reviewed documents for approval

Sent out stip list or credit notification showing decision and

requesting and further documentation needed. Made sure all

documents met guidelines

Funded deals daily

Very busy office I am a great multi-tasker I would receive 100

emails a day or more plus extremely heavy phone lines. Maintained

a high level of customer service at all times

EDUCATION:

. Assoc. Degree in Business Administration

. Obtained Life, Health, and Accidental Insurance Licenses

SKILLS: Windows, Microsoft Works Office, Excel, Outlook, & PowerPoint,

Encompass, Calyx Point

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