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