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Customer Service Quality Assurance

Location:
New Brunswick, NJ
Posted:
June 24, 2014

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Resume:

T iser K.Turner

*** ********** ******, ********, ** 11236 213-***-**** aceo05@r.postjobfree.com

Highly motivated Mortgage Professional with a commitment to upholding laws, procedures and regulatory

guidelines to decrease fraudulent activities affecting the financial industry. Recognized for perseverance and

efficiency control. Committed to ensuring a high level of customer service. Familiarity with GSE, HAMP and

FHA programs. Extensive knowledge of debt collection and lending laws. Fundamental understanding of

financial concepts.

C ompliance Training

RESPA

CRA AML

TILA

HMDA Dodd-Frank

ECOA

BSA Fair Housing

US PATRIOT ACT KYC

Experience

National Homeowners Assistance, Kew Gardens, NY

Short Sale Processor, 3/2013 to Present

Maintain a file load of 60-70 clients. Work with clients, realtors and internal management to facilitate

short sale.

Capitalize on incoming calls along with the existing central files. Bring in new revenue using the

existing markets and database through the service department.

Responsible for conducting short sale negotiations from inception to completion.

Analyze and understand credit bureau information, collateral valuation reports, tax returns, financial

statements, Home Owner's Association documents, residential loan applications, real estate sales

contracts, appraisals and other short sale supporting documentation to verify customer financial and

property data

Adhere to internal guidelines and external investor insurer requirement.

Bank of America, Newark, NJ

Mortgage Underwriter, 11/2011 to 1/2013

Balanced the need for loan-volume growth with the equally important necessity of optimum

underwriting quality to minimize risk while maximizing profitability.

Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience

in underwriting FHA, VA and Fannie Mae loans.

Attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to

determine risk and repayment capacity.

Knowledge of loan products to help restructure turned-down loans for subsequent approvals.

Maintained compliance with lending, underwriting and government requirements.

Demonstrated excellent follow-through with borrowers, loan processors, loan originators and

management throughout all phases of the underwriting process.

LEGAL HARDSHIP SOLUTIONS, Riverside, CA

Residential Real Estate Law Paralegal, 7/2010 to 9/2011

Reviewed legal pleadings to perform resolution and/or case assignment

Processed incoming litigation cases received from vendor, attorney or process server

Prepared and filed bankruptcy petitions on behalf of the Attorney.

Provided the Attorney detailed case analysis on each client.

Interviewed the client in detail regarding their FHA or Conventional foreclosure and short sale cases.

Assisted the Attorney in preparing court arguments thru the Discovery phase of the case.

Handled all servicer, court, and client correspondence on behalf of the Attorney.

OPTION ONE/AMERICAN HOME MORTGAGE SERVICING INC, Irvine, CA

Mortgage Underwriter, 5/2007 to 06/2010

Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience

in underwriting FHA, VA and Fannie Mae loans.

Attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to

determine risk and repayment capacity.

Knowledge of loan products to help restructure turned-down loans for subsequent approvals.

Maintained compliance with lending, underwriting and government requirements.

Demonstrated excellent follow-through with borrowers, loan processors, loan originators and

management throughout all phases of the underwriting process.

.

INDY MAC BANK, Pasadena, CA

Loss Mitigation Lead, 3/2003 to 5/2007

Provided clients assistance on foreclosure reinstatements, negotiating forbearance agreements, loan

modifications, short sales and deed in lieu solutions the bank offered

Handled 70 to 75 FHA and regular Conventional loans daily.

Assisted co-workers and managed functions of the department in supervisors’ absence.

COUNTRYWIDE HOME LOANS, Simi Valley, CA

Quality Assurance, 5/2000 to 3/2003

Monitored insurance agents for quality assurance

Responded to incoming customer calls and written complaints for Office of the President

Maintained insurance agent licenses.

E ducation

PASADENA COMMUNITY COLLEGE, Pasadena, CA

Major: Business Administration



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