Jammie Harris

acf8mn@r.postjobfree.com

972-***-****

EXPERIENCE:

Fannie Mae( Contractor through Technology Ventures) 6/2013 – present

Government Project Specialist

• Track systems to assure documents are located to create complete packages for reconciling.

• Perform periodic evaluation and review of data. Advise senior staff regarding current findings and outstanding items.

• Compile data for reports by creating spreadsheets in order for management to review identified discrepancies and business analysis reporting.

• Request vouchers, AOP’s, 27011 and balance histories from servicers.

• Retreive data from Documentum and Hemit for current and updated documents.

• Clarify debenture interest calculations for HECM claim types such as foreclosures and deed-in-lieu on Reverse mortgages.

• Audit claims for accurate billing prior to requesting payment,in addition to problem solving.

• Process reconciliation claims for interest and fees incurred to provide accurate billing.

• Research Eboutique and 571 payment request from servicer aside comparing fees and validating the expenses within the systems, according

to the total amount received.

• Compare expenses paid by HUD in accordance with fees submitted by the servicer.

• Calculate MI, service fees, expenses and interest that occurred between due and payable and liquidation.

• Apply comprehensive knowledge of business functions such as government claims and reconcile process, payment approvals and fact-finding

for servicer activities.

• Accounting methods used in order to find financial discrepancies by collecting and analyzing account information.

• Reduce company loss through auditing loans for investor regulatory compliance while ensuring regulations were followed.

• Assessment of fully documented loan histories and information from all sources to collectively determine if it validates the information used

to make the decision.

• Quality Control used by reviewing team members assignments in comparison to the their billing spreadsheets and systems. Make sure all

loans are in compliance according to upb differences, sales or appraisal base loans, expenses, debenture interest and closing expenses.

• Update data bases so that information is accurate, complete and accessible.

• Recourse a variety of other collection activities and processes in order to support day-to-day activities.

• Train new employee pertaining to questions regarding existing and changing procedures.

• Perform special projects as needed.

Mediation Worlds, PLLC 2/2013 – present

Paralegal/Legal Assistant (Internship)

• Assist lawyer with drafting documents.

• Observe the attorney during interviews and gathering of relevant information pertaining to their case.

• Gather and analyze research data provided by client.

• Call insurance companies on behalf of the attorney's office reqarding the status of claims.

• Type letters relating to settlement or final settlement offers.

• Prepare and assist with audits to compare the attorney office visits/hours spent with client, in accordance to the amount of funds

charged and collected.

• Monitor activity in accounts as well as file maintenance on accounts by creating spreadsheet.

• Discuss findings with Attorney of areas evaluated in addition to solutions.

Bank of America (Contractor through Disys) 8/2012 – 1/18/2013

Mortgage Claim Process Researcher III/ OCC Required Compliance Review

• Evaluate Default mortgage servicing loans and files during the Claim Review process in accordance with the Office of the Comptroller of the

Currency (OCC) &Promontory.

• Senior project consultant for compliance and due diligence.

• Perform foreclosure evaluation in compliance with the Judicial and Non Judicial state laws.

• Compare legal documents in LPS with the foreclosure timeline.

• Re-evaluate underwriter s income calculation &other decisions in determining borrower’s eligibility for loan modification.

• Complete underwriter s process on borrowers to ensure documentation, income calculation and other necessary evaluations were adequate as

required by Fannie Mae &Freddie Mac.

• Assess debt-to-income, loan to value, income, bank statements, 4506T, tax returns, credit report, appraisal &hardship letter as a requirement

of the Investor.

• Determine if all required loss mitigation activities were handled and documented in accordance with the requirement of HAMP, proprietary

modification or other programs.

• Analyze FNMA &FHLMC foreclosed loans. Decide whether or not they were processed in accordance with HAMP Propriety modification,

or other applicable program guidelines and requirements to analyze findings.

• Review and comply with fully documented loan histories, imaged documents and information available from all sources to collectively

determine if it validates the information used to make the home retention/loss mitigation decision.

• Complete Claim Review according to clearly defined requirements; make a recommendation as to whether the borrower/customer had a valid

claim.

• Create a LML worksheet to justify the timeline of the last modification approved or denied on each file and make sure the borrower was

protected by Bankruptcy &Service Member Civil Rights Act (SCRA); Ensured SCRA files were managed appropriately relating to the foreclosure

timing and action.

• Certified for C and G files.

Freddie Mac 8/2010-8/2012

REO Senior Sales Oversight Specialist / Compliance Analyst/ Risk Management

• Identify risk associated with real estate sales and non- compliance of real estate laws and regulations

• Knowledge of mortgage markets, origination and servicing.

• Experience with reviewing and updating policies and procedures; Oversight vendor process reviews.

• Audit Outsourcers/Brokers, Vendors and Suppliers for compliance, disclosures, state attestations and overall work performance.

• Risk management on real estate agents &brokers performances monthly by checking monthly samples from various reports and respond by

adding comments.

• Request appropriate actions for corrections of missing information on the subject of lead base paint, mold or state attestation, etc.

• Recognize, resolve, monitor or escalate various issues that may impact the Investor.

• Report various findings and patterns to the Regional Manager, so that procedures policy &procedures can be reviewed via staff meetings.

Change policies and procedures according to Freddie Mac's compliance for learning purposes.

• Identify measurable job accountabilities through scorecards.

• Participate in regular conference calls and meetings with Regional managers pertaining to problems, solutions and overall regional state

updates and changing laws.

• Run reports daily, weekly and monthly for Quality Assurance.

• Lead associate for T Deal by creating a process for streamlining and formatting the results.

• Scrub T Deals reports from Servicers to create a Performance Narrative for upper management monthly for reporting.

• Support preparation of Board Committee material to coordinate with other areas of the company and align risk management practiced.

• Mentor employee pertaining to the T Deal instructions ad procedures from beginning to end.

• Assist with MI Pool by reviewing and approving Scenario 4 s letter from MGIC; Report tasks that are past due to Mortgage Insurance

companies.

• Review Appraisal for property type, AS- IS &repaired market value, comparisons &sold information and comments referring to Appraiser’s

additional findings such as mold, foundation issue etc.

• Create Property Plan Disposition Letters for USDA for approval of sale.

• Data Corrections using Dynamic Workflow Controller.

• Set-up weekly and monthly work assignments for team review.

• Identify, analyze, communicate and escalate issues as appropriate with minimum management intervention.

• Assist legal and FHLMC management with buybacks, research, releases, request regarding hold harmless for incident report &check request,

correspondence with documents received.

• Calculate all figures relating to the buybacks in order for Director to sign off for losses of origination fees and interest over the life of the loan

after corresponding with Repurchase.

• Liaison for high profile and legal issues received from FHFA,CEO, VP, Director, management &customer service.

• Support management with urgent legal matters.

• Establish external relationships; Collaborate with interdepartmental employees.

• Contribute with simplifying the HH procedure to help create an adequate timeline.

Bank of America 1/2010- 7-2010

Loss Mitigation- Foreclosure/ Fannie Mae Short Sales

• Negotiate HOA payoffs, settlements, sales contract with agent workout programs according to the bank and investor guidelines.

• Monitor files through time management and daily task.

• Investigate all payment requested pertaining to attorney, HOA and tax fees by using internal systems or via phone.

• Communicate verbally and via email with HOA for a complete breakdown of the fees obtained then examine and justify all fees when

making a final decision.

• Collaborate with HOA and attorney to reduce fees incurred by the customer in agreement of the final payoff amount by calculating fees or

avoidable fees acr cording to the date the asset was scheduled to close.

• Research tax information to assured the approved tax amount requested was accurate and there were no tax liens on the property.

• Inquire about uncustomary fees submitted by attorneys and request lower or no payment of such fees.

• Compare information from financial documents to determine the monetary seasoning.

• Upload all documents into delivery system on when a received basis.

• Order and requested documents required for PMI &Fannie Mae including BPO’s.

• Review appraisals for property type, flood zones, market value and type of market in which other properties sold.

• Analyze the borrower s financial statements, tax returns, credit report and the value of collateral to recommend the most appropriate

alternative to the customer and make recommendations to management such as a deed in lieu.

• Authorized short sale offers while conforming to FNMA s monthly spreadsheet concerning the minimum total to be approved for a final sale.

• Balance net proceeds by adding all pre-foreclosure figures including attorney fees, HOA dues and past due taxes on the settlement statement.

• Maintain best Quality Control / Compliance as defined by Company standards.

• Prepare profit &loss statement for workout modifications.

• Contact with agents, buyers and homeowners.

Disys contract/ Bank of America 8/2009- 1/2010

See Description Above

Independent Realtor 1/2009 – 8/2009

Real Estate sales &Apartment Relocating

First Preston (Three PDS) 9/2008- 1/2009

Audit Real Estate Contracts

• Audit different state contracts according to compliance.

• Revise contracts for corrections of added verbiage provided by real estate agents, signatures &initials.

• Prepare contract package to send to closing department.

• Ensure numbers on final settlement statement are accurate.

• Compare vesting data on Deed of Trust.

• Scanned contracts signed by management to agents for closing instructions.

• Process extensions and cancellations of files when requested by the title company and buyer s agents in order to meet the contractors

expiration date.

• Input closing data into HomeTracker. Scanned and filed final closing documents.

• High volume contact with title companies, buyers and realtors concerning documents required and status.

Citi Financial 6/2006 – 11/2008

Senior Processor

• Track loans from submission to funding. Evaluate title information, vendors and RESPA documents.

• Examine files for final disposition; Open and manage all files in a timely manner.

• Input information into Maestro.

• Processed Conventional, FHA and VA loans.

• Verify borrower s creditworthiness and ability to repay loan.

• Assisted underwriters by calculating and verifying income, assets, liabilities, debt- to- ratio and review of tax returns.

• Coordinate with underwriter to process files accordingly to u/w approvals; Obtain and submit all underwriting conditions prior to closing.

• Acted as primary point of contact for loan status, borrower inquires and information gathering.

• Maintain courteous customer service internally and with third party vendors and customers.

• Ensure loan documents for accuracy and completeness. Respond to more complex inquiries regarding the loan.

• Assist internal attorney through researching title for encroachments, HOA dues, contractor, child support or tax liens and etc.

• Supply legal counsel &assistants with information required to clear title and any documents required for closing the loan.

Citi Mortgage 6/2005- 6/2006

Quality Review

• Familiar with fact findings.

• Identify and provide corrective instruction to title companies or loan applicant regarding missing or incomplete loan documentation.

• Ensure RESPA regulations are met and required disclosures are sent to the loan applicant.

• Maintain loan deficiency database to track trends and identify opportunities for improvement in loan origination process.

• Validate loan funding for Hud-1 approval in Monetary Control.

• Document CIP information for correct identification purposes.

• Completion of loan verification for data integrity.

• Funding, Booking, Collateral Control, Acquisition and Loan Closing Review with day-to-day operational support.

• Assist with Auditing when assigned.

First Horizon Home Loans 8/2003 – 4/2005

Construction Lending Modification Specialist (1/2003 – 4/2005)

• Audit files for preparation of preparing settlement statements.

• Examined HUD-1 titles, surveys, appraisals, 442 s, 1003 s and documents to meet with compliance.

• Processing/Interact closely with borrowers, appraisers, surveyors, brokers, titles and insurance companies.

• Coordinate with real estate agents/brokers, builders/developers, title companies, Investors, loan officers/management and co-workers to

facilitate a prompt, efficient closing of each loan.

• Prepare closing settlement statements for monetary requirements and order modification documents to send to the borrowers, title companies

or loan officers for closings.

• Review returned settlement statements from the title companies, attorneys and escrow officers.

• Approve the modification after ensuring that all monies and documents are complete, accurate, signed where required.

• Modify the loan within all systems. Balance GL s.

• Mail Deed of Trust to the County for recording after final closing.

• Process checks when required. Calculate payoffs when necessary.

Construction Lending Auditor (8/2003 – 12/2003)

• Report and correct loan origination files for standard compliance.

• Ordered and reviewed date downs, titles, surveys, inspections and appraisals.

• Interacted closely with agents, appraisers, brokers, attorneys, title and insurance company s.

• Input follow-up information and date received into data system.

Beal Bank, Plano, Texas 3/2001 – 7/2003

Loan Default Officer

• Due Diligence on incoming files.

• Match the information on the Deed and Note against the company systems.

• Prepare files for attorney referrals, REO or charge-off loans.

• Assess BPO s, titles, credit reports and other documents associated with interacting foreclosure.

• Work with approved attorney network in regards to bankruptcy cases, reviewing approved trustee and attorney networks. Monitor foreclosure

timelines in Judicial and Non Judicial cases.

• Audit and processed attorney invoices by requesting disbursements per company guidelines.

• Maintained close relationships with attorneys, BPO and title companies to ensure and meet deadlines.

Check bill statements from numerous sources to justify approving payments.

• Completed financial statements for formal payment arrangements.

• Research issues and administrative duties when needed.

COMPUTER SKILLS:

MS-Windows 2000, Office 2003/2007, Outlook, Internet/10 key/ Data entry, Lotus, Terminal Based Systems (AS/400), TMO &TCL

Systems/Maestro, LP Mortgage / Loan Quest / Imaging Systems / MortgageServ/Fiserv, HomeSteps, BPOD, Reportlinx, EUC &Report Manager

Systems, LPS, LAMP, IPORTAL, STEWART/ HRS,LMP/LMA, TRAX,Serfs, Eboutique,, Hermit and Documentum systems

EDUCATION:

Champion School of Real Estate 2013,Real Estate Ethics &Law, Dallas, TX

Mediation Worlds, PLLC 2013 Mediation Certificate, Irving, Texas

University of North TX 2012 Paralegal Certificate, Denton, Texas

Villanova University 2010 Six Sigma Greenbelt Certificate

Collin County 2009-2010 Appraisal &Real Estate, Frisco, Texas

Midwestern 2009 Real Estate Finance

Champion School of Real Estate/License 2006-2007, Coppell, Texas

Amberton University-2006

Collin County Community College, Frisco, Texas

2002 – Business Series Courses

Columbus State College, Columbus, Ohio

1995 – Business

School of Court Reporting, Columbus, Ohio

1995 – Stenography

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