Professional Goals: Professional aspiring to obtain a role where I can maximize my vast

Mortgage and Financial Services knowledge/experience, interpersonal skills, and self motivation acumen to be an asset to any company.

Career Progression

Nationstar Mortgage LLC.

Lewisville, TX September 2013-Current

Reverse Mortgage Claims Analyst

Ensure that all loans with an MCA greater than 92% are monitored; MCA greater than 95% are actively prepped for claim filing; and loans with an MCA greater than 97.5% are submitted to the HUD Contractor for claim filing and payment.

Escalate files that have an impediment keeping them from claim to the internal curative team; follow up with curative team on a daily basis for all outstanding work.

Monitor and ensure that all GSE/Investor guidelines are followed.

Assemble the three packets required by HUD to file a claim for all files with an MCA greater than 95%.

Order Original Notes and other collateral documents as required by HUD Guidelines.

Maintain internal tracking mechanisms.

Report on daily progresses and challenges in an open and expedient fashion, with a mind towards aiding in resolution of impediments.

Fannie Mae

Addison, TX (Contract)

Fraud/Claims Specialist

Investigated possible fraud and lending Risk for all relevant Regs: in Mortgage and Compliance

Audit defaulted loans for underwriting, FHA, Federal, State and Hamp Guidelines

Investigate implementation, guidelines and policies for Bank Secrecy Act (BSA), Anti-Money Laundering (AML) & USA Patriot ACT

Audit all lines of business to ensure that Fair lending laws and regulations are being practiced and ensured

Audit & Investigate Mortgage Insurance Fraud and Claims

Loan Reviewer - Created scorecards to grade underwriter’s performance per investor guidelines.

Reviewed detailed historical and projected financial analysis utilizing tax returns and financial statements

Maintained records and reports to QA Supervisor on Underwriters deal performance

Investigated restitution claims and documents from courts and banking Institutions. Track billing, payment history and ensure correct application of funds.

Compiled all data in excel spread sheets to update and monitor court districts restitutions closed, pending, and in progress

Maintain data from fraud investigation in SharePoint and Excel spreadsheets

Created and input summarized investigators reports on closed, outstanding and pending claims and bonds in the 4C network.

Carlisle & Gallagher (BoA)

Las Colinas, TX 07/2012-04/2013 (Contract)

Sr. Risk & Compliance QC Analyst/ 2nd Team Lead (Testing/ Scripts)

Performed audit analysis for one of the top four financial institutions surrounding the OCC’s consent order regarding independent foreclosure reviews, modifications and compliance.

Conducted audit procedures on loan documentation for accuracy, completeness, and compliance to ensure the company complied with investor guidelines, and State & Federal regulations (analyzing all credit documents, re-calculating income, re-verification of loan documents).

Understanding of the Mortgage process (Origination, processing, UW, Closing, Post Closing and Servicing), Foreclosure Process (judicial/non-judicial, phases of foreclosure etc.), and Bankruptcy Court Process.

Data analysis and reporting, daily forecasting, preparation and presentation of benchmark reports which include team and individual daily goals.

Exercised authority to make exceptions to underwriting requirements when appropriate.

Responded to external and Internal Audits /Inquiries and recommend bank actions.

Developed high quality test scripts for Loss Mitigation, Foreclosures, bankruptcy process &Mortgage Servicing, Underwriting and Mortgage Operations.

Reviewed the borrower's assets and debt to income ratio, debt payment history, employment history and the borrower's sources for his down payment and closing costs.

Performed full audits on pools of loans and collected data to ensure that underwriting, FHA, Federal, State, and HAMP Guidelines & Compliance rules are enforced

Audit and review closed and open loans for adherence to established loan guidelines by the financial institution, (OCC) Office of Comptroller of Currency, and investors. Review and verified the borrower financial situation

Extensive knowledge of HAMP (supplemental directives and investor guidelines).

Citi Financial

Las Colinas, TX March 2012-July 2012

Loan Resolution Specialist (Loss Mitigation Underwriting)

Responsible for providing long-term solutions to homeowners and ultimately reducing the flow of accounts to foreclosure

Resolve accounts through Modification, short sale or foreclosure for conventional, FHLMC and FNMA loans.

Manuel and AUS Underwriting for selected loans

Duties include setting up, following up, and coordinating the closing of loss mitigation referrals, analysis of borrowers credit, assets, collateral and income to make a credit decision using established guidelines

Search for titles, deeds and any legal ownership documentation pertaining to property

Responsible for maintaining inbound call service levels, increasing borrower contact through outbound attempts

Manage loans in order to adhere and enforce proper procedures for foreclosure, asset preservation, and investor guidelines

Review accounts financial hardship, including detailed pay history

Analyze loan history, asset attributes, and customer contact to determine whether referral for foreclosure is appropriate

Strong analytical skills, ability to think strategically, capable of formulating tactics based on overall strategy, strong interpersonal skills and ability to partner across the organization

Negotiate repayment deals with the mortgage company investors in behalf of the customers and mortgage company

Chase

Arlington, TX May 2011-Feb 2012

Financial Reconciliation Analyst (Contract)

Negotiated and executed remedies to offset exposure from the repurchase claims utilizing delegated authority for decision making

Evaluated counter parties’ financial strengths and weaknesses to create and implement a resolution strategy.

Completed cost / benefit analysis on non-resolved loans to make the decision on whether to pursue legal action.

Responsible for analyzing income, assets, property valuations and credit documents insuring information provided warranted an acceptable credit approval.

Reviewed checks & balances against ledger amounts and verified that the amounts match with the financial statement like asset, liability, expenses and revenues

Quality Loan Service/ McCarthy, Holthus & Levine

Scottsdale, AZ June 2010-Relocated to Texas 03/2011

FHLMC Foreclosure Clerk

Cleared production tasks within the client systems that were generated on a list of daily items. Tasks include but not limited to updating Fist Legal Actions, setting the sale date, and updating the TSG review information.

Managed Holds work list in the internal company system worked and reviewed daily. Followed up on files for non New Orders, Loss Mitigation, and specifically client holds.

Oversaw Milestone reporting to FHMLC in the Quandis system. Also completed daily task such as First Legal Action, Sale Results, TDUS Recording and the closing of files.

Non New Orders projections consisting of IRS Mailings, Pub Date Down Received/Ordered, Sale Date Down Received/ Ordered, BPO Ordered, and a once a week sweep of all projections to determine negative trends.

Completed and submitted all 104dc claims for the entire Arizona office

Provided Reinstatement Quotes/ Wire information to Borrowers, also provided Disbursement Packages to the Servicer.

Apple (Kelly Services)

Chandler, AZ

Seasonal 2009-2010

iPod Touch Technical Customer Support (Contract)

Interact with customers to provide and process information in response to inquiries, concerns, and requests about the iPod Touch

Gather customer’s information and determine the issue by evaluating and analyzing the symptoms

Diagnose and resolve technical hardware and software issues involving internet connectivity, iTunes, Downloads etc

Follow up and make scheduled call backs to customers where necessary

Stay current with system information, changes and updates

Research required information using available resources

Identify and escalate priority issues per Client specifications

Accurately process and record call transactions using a computer and designated tracking software

Education: University of Phoenix B.S. Mass Communications with Concentration in Marketing, Advertisment and Sales (In Progress)

Technical Skills

Solid knowledge of Windows 95 - Windows XP

Microsoft Office Suite Applications (97 - Office XP)

Knowledge of Adobe Photoshop,

Type 40 wpm/Data Entry: 9400kpm

Vendorscape, LPS, Real Resolution. Quandis, IDS, Provident, 104DC Claim System, AS400, SQL

LMA, iPortal, Stewart, Urban, LAMP, HRD, LADI, FileNet, Hermit, Loan Protector, FHA Connection, Doc Edge, LSAMS, HMDA, LHIS, AAcer, Landsafe, CLM, Trax, Documentum, Reverse Serv, Sharepoint, Salesforce, Unifi, Doclist

Certifications

Safe Act

Anti-Money Laundering

Bank Secrecy Act

Equal Credit Opportunity Act

Fair Credit Reporting Act

FDCPA

Fair Housing Act

Service Members Civil Relief Act

HMDA

RESPA

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