JEFF BENITEZ

* * * * * I F L E G A P R D # * *** F R I S C O, T X 75 0 3 4 214 . 2 2 8 . 5116

J 2 0 B 1 @ YA H O O . C O M

M O R TG AG E P R O F E S S I O N A L

Mortgage Specialist whose qualifications scope from originating, refinance, purchase, underwriting, Auditing of Quality

Assurance, and detailed knowledge of closing and funding loans.

Skills

Mortgage Loan Origination Underwriting Auditing

Mortgage Servicing Quality Assurance Creative Problem Solving

Excel/Word Proficient Inside Sales Pipeline Management

Professional Experience

BANK OF AMERICA PLANO, TEXAS 2005 2013

Life’s better when we’re connected.

Mortgage Loan Officer – Associate Lending

2013 – Oct. 2013

Respond to customer inquiries and referrals that are generated from both contacts and from other Bank of America

business channels.

Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing

objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.

Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and

regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State

compliance policies and adhering to requirements.

Quality Assurance/Underwriter /Pricing information Analyst Home Loans Servicing

2009 – 2013 (Redeployed to MLO role due to business demand)

Review loan files to ensure compliance with investor guidelines, credit quality, and data integrity.

Ensure monthly audits are completed as outlined in the Quality Assurance Guidelines.

Review loans for compliance related items, such as Fannie Mae, Freddie Mac, FHA, VA, HUD, Non HAMP, and HAMP.

Identify, research, and report underwriting deficiencies, inconsistencies, and/or misrepresentations.

Assist with product and pricing or risk modeling.

Risk Analysis to ensure competitive pricing and products.

Mortgage Loan Officer

2006 – 2009 (Redeployed to Servicing in 2009 due to Financial Crisis)

Mortgage Customer Service Representative

2005 – 2006

Accept mortgage payments over the phone, respond to inquiries regarding hazard and flood

insurance issues and disbursements, respond to inquiries regarding tax issues and disbursements.

Review and explain escrow disclosure statements and conduct escrow analysis (i.e. account

shortages and overages).

Discuss and respond to inquiries regarding loan types and terms (i.e. VA, FHA, Conventional,

ARM).

TELECOM ELECTRIC SUPPLY Dallas, Texas

Assistant Manager

2003 2004

Managed sub contractors daily activities to include: projects, equipment, disbursement, supplies, and payroll.

Resolves administrative problems by coordinating preparation of reports, analyzing data, and identifying solutions for

Energy Efficiency Program reporting to Oncor.

Power point presentations to upper management forecasting revenue.

Education

CLARK ATLANTA UNIVERSITY Atlanta, Georgia

Business Administration Finance May 2002

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