Soraya Prates

**** ***** **. **** *****, TX, ****7

acsmse@r.postjobfree.com

817-***-****

Mortgage Based Competencies

Knowledge of guidelines for Conventional, FHA, and VA loans

Solid understanding of consumer compliance regulations such as TILA, RESPA, SAFE,

Familiar with the HUD, appraisal, and automated underwriting systems

Professional Experience

Bank of America

Production Specialist II

Amon Carter Blvd, Ft. Worth 2012 - Present

Requested Records Management Department: Support functions related to “active” loans: i) Receive Collateral Files (CF) from Custodian and Attorneys; reconciling the CF documents in AS400 system; note endorsement chain reviewed; fulfill request for CF; route CF to imagine and from imagine to requestor or have it reinstated to custodian; place request, comments, and follow up in AS400 for “No notes”, Cema’s and Coop’s; ii) SERVICE RELEASE: Release CF to subservices; iii) HUD: review CF documents, and note endorsement for the HUD loans action, have the files imagined and delivered to the new custodian upon the action’s settlement date.

Paid In Full Department: Support functions related to “payoff” loans such as i)sorting loan files by priority or non priority states, closing codes; ii) updating, bar coding, and reconciliation of legal loan documents of each account in AS400 System; iii) Closing paid off accounts and delivering the collateral files to corporate storage, investors, and custodians;

File Receipt Department: Support functions related to post closing, including but not limited to i) Sorting post closing files (collateral and non-collateral); ii) Receiving loan files in the system (Carousel), bar coding with the loan information, routing the files to imaging; ii) QA auditor - conduct periodic review of Post Closing loans for completeness, accuracy and compliance of mortgage instruments, including but not limited to original note data, deed of trust and its riders; affidavits, title insurance, and power of attorney.

Self Employed

Real Estate Consultant 2007 - 2011

Assisted investors in purchasing property in Brazil.

Advised clients on the purchase and sale of investment property in Brazil

Providing purchase agreement and closing in Brazil;

Conducting due diligence, title review and legal report

Legal - Appeals Coordinator

Brazilian Post Office Headquarter 2003 - 2006

Issuing opinions on diverging legal provisions interpreted by Legal Counsels and Regional Directorates related to administrative law.

Issuing opinions on administrative appeals filed by bidders and/or contractors

Education

Bachelor - Law - Brazil

Post-Baccalaureate - Paralegal Studies -TCCD 2014 - Present

- Intro to Law - Legal Research - Legal Writing

- Family Law - Civil Litigation - Wills, Trust, Probate

Training / Certifications

Mortgage Banking (Mortgage Lending, Underwriting, Mortgage Origination and Quality Control) - Total of 9 credits hours at DCCD College.

Software skills

AS400; Carousel System; Microsoft Office; Pro Doc; Entire Connection.

Languages

Portuguese, English and Spanish

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