Kathy Morant

**** **** ******. **** ********, NY 11369

aco4ay@r.postjobfree.com - 914-***-****

• 15 years of customer service experience

• 11 years of experience in the mortgage industry

• 5 years of experience as an administrative assistant

• 5 year Brokerage experience

WORK EXPERIENCE

Commercial Mortgage Analyst-(Contract)

WELLS FARGO - McLean, VA - August 2013 to January, 2015

• Conducts data entry and administrative activities as necessary in support of Portfolio Administrators.

• Monitors credit compliance by resolving or escalating collateral and past due exceptions.

• Proactively facilitates loan servicing requests in adherence with all applicable credit, legal compliance and

regulatory requirements.

• Oversees all aspects of Real Estate servicing, including customer service levels, delinquent loan resolution

including collection and sale of collateral, systems and vendor relationships

• Ensures, validates and maintains the data integrity and accuracy of documentation across financial

systems

of record, databases and documents

Maintains policies, procedures, and other documentation for servicing to address program or product changes

or updates, including terms and conditions, and compliance requirements of products/program

• Process monthly correspondences, including maturity, default and delinquency letters, run queries, payment

research, disbursements and managing year-end processes.

• Functions as a subject matter expert on real estate projects

Run escrow analysis for off schedule escrow analysis, as well as for shortages, completing escrow analysis,

• Also responsible for generating, reviewing, printing and mailing of monthly billing.

Loan Servicing Professional

FREDDIE MAC - McLean, VA - January 2013 to August 2013

• A contract position working for a government agency responsible for providing liquidity, stability and

affordability to the housing market.

Maintains policies, procedures and other documentation for servicing to address program changes or updates.

• Monitored servicer performance and compliance with terms of business

• Resolved errors with Servicer by deadline and within requested standards of customer service.

• Audited Servicer P &I and T &I custodial accounts and revolved discrepancies with Servicer.

• Monitor Servicer reporting, cash flow and credit risk mitigation.

• Functions as a subject matter expert on real estate servicing projects

• Provided resolution to a wide assortment of problems including Servicer billing, investor reporting, loss

mitigation, default reporting, password resets to a variety of applications, Servicers scorecard.

• Utilized various applications, such as investor account Manager, Default Reporting Manager, Service Loan

• Application, Service Performance Profile, Workout Prospector, DMS, and various others.

Member Service Representative-Accounting

BANK FUND STAFF FEDERAL CREDIT - W ashington, DC – February 2010 to October 2012

• Post all mortgage coupon/transfer payments requests, Home Equity payment requests

• balance the mortgage general accounts on a daily basis

• Responsible for maintaining and reconciling the ACH automatic mortgage payments.

• Set-up, review and process monthly interest rate changes for all first mortgages and Home Equities serviced

by the Credit Union.

• Identifies and implements process improvements for areas of responsibilities to streamline operations and

maintain adequate controls across the organization.

• Performed testing and validation on OSI Prod, CUTE Tests and Oracle (online banking) software.

• Assist Secondary and Post closing Department, as needed

• Post Closing Specialist

• Obtain, review and correct documentation necessary to ensure enforceability and salability of the mortgage

loan.

• Monitor, review and process property tax escrow accounts to pay appropriate counties.

• Maintain loan and disbursement files; respond to routine customer inquiries

• Prepare and submit documents, data and records according to department procedures and government

regulations.

Default Asset Specialist

FREDDIE MAC - McLean, VA - August 2009 to February 2010

• A contract position working for a government agency responsible for providing liquidity, stability and

affordability to the housing market

• Worked with servicers, brokers and negotiators to prevent foreclosures and credit losses

• Contacted servicers to request required documents needed to close HAMP loans

• Advised servicers on information required to make accurate decisions.

• Ordered, reviewed and compiled complex at-risk loan account information/files

• Provided training/instructions to servicers on policies and procedures

Tech Support/ Technical Assistant underwriter

FANNIE MAE - Reston, VA - May 2009 to July 2009

• Short-term contract position supporting a government sponsored agency working with American home buying

• Researched and responded to low and medium complexity cu stomer inquires

• Second reviewed lenders 1003 to determine if the application form was filled out correctly. Suggested

corrections to the lender if the application was not completed correctly.

• Reviewed and updated customer records in database

• Accessed software updates, knowledge bases, and frequently asked technical questions

• Resolved problems and escalated unresolved ones to the responsible parties

• Provided due diligence on customer inquiries through oral/written communications.

Grant Reviewer/ Processor/ Underwriter

ICF INTERNATIONAL/ROAD HOME PROGRAMS - Fairfax, VA - July 2008 to March 2009

• A contract position with an international company that issues grants for disaster relief programs.

• Responsible for reviewing 100 grant cases daily in the area of property titles, appraisals, ownership, FEMA

documents and insurance allocation

• Responsible for process reviews and underwriting

• Reviewed, proofread and analyzed all customer documentation to ensure compliance with federal and state

regulations regarding grant money.

• Maintained a complete understanding of all applicable program policies, requirements, and procedures.

• Provided required standardization of input to various grant software, such as JIRA, Issue tracker, Archived

• Issue Tracker, eGrants, Grant Review as the historical audit trail of all actions taken on a case, along with the

detailed comments on all issues of action taken.

• Remain current with all Resolution/Post Closing and Pre-Closing guidelines and policies

• Provided due diligence operations in order to obtain various required documents for Grant eligibility from

Grant applicants/ co-applicants.

Senior Mortgage Specialist

GUARANTEED HOME MTG - Tarrytown, NY - May 2007 to January 2008

• Responsible for procuring new business utilizing both inside and outside sales techniques

• Worked with clients to determine short-term and long-term financial goals

• Obtained and reviewed all required loan documentation from applicants and followed up on mi ssing items

• Ordered and reviewed credit bureau reports, assets, financial statements, title & appraisal reports, flood

certification and income verification documents and fees.

• Maintained regulatory changes, external and internal compliance requirements and investor guidelines.

• Calculated DTI and LTV

• Communicated, prepared and mailed out commitment letters, notice of incompleteness or decline

• Ascertained the correct loan parameters through credit analysis and pricing models in the loan origination

system and thru DU, DO and LP underwriting.

• Ensured loans are clean and met underwriter conditions in a timely manner

• Kept up-to-date on new loan programs and strategies to improve overall productivity and company

• performance

Loan Officer

COUNTRYWIDE HOME LOANS - Stamford, CT - September 2006 to April 2007

• Generated and developed new business accounts from referral and creative sources

• Qualified potential clients. Determined creditworthiness

• Ascertained the correct loan parameters through credit analysis and pricing models in the loan origination

system and thru DU, DO and LP underwriting.

• Reviewed customer documentation to ensure compliance with underwriting guidelines and liaised with

• Managers for approval

• Provided responsive and professional service to internal and external customers of the organization

Senior Mortgage Executive

AMERIQUEST MORTGAGE CO - Pearl River, NY - October 2003 to April 2006

• Created and managed Loan process from inception through closing

• Prospected for leads, identified prospective customer needs, gauged interest in loans with Ameriquest, and

• closed the deals

• Qualified potential clients by determining credit risk, evaluating/researching loan amounts, and verifying

• application information

• Responded to incoming loan-related customer inquiries

• Determined the correct loan parameters for use when calculating loan revenue utilizing the pricing model in

the loan origination system.

• Calculated financial components of the borrower's new loan, including monthly payments, monthly savings

• and advantageous interest rate changes

• Maintained regular contact with customers to kept them apprised of loan status.

• Reviewed final paperwork to ensure compliance with underwriting guidelines, liaised with Branch Manager

• for approvals

EDUCATION

B.A. in Psychology

BARUCH COLLEGE - New York, NY

1993

SKILLS

Familiar with: Sharepoint, McCracken Strategy, CATS, Filenet, Fiserv, Loanserv and OSI prod, VSoft Strategy,

Workout Prospector, DMS, Investor Accounting Manager, Default Reporting Manager, JIRA, EGrant, Excel,

Powerpoint and Microsoft word. Excellent analytical thinker, Account Management,Customer Service and Strategic

Marketing. Also familiar with AML, BSA and USA Patriots Act regulations.

Contact this candidate