Inez Murray

**** ******** ** 614-***-****

Irving, TX 75063 acviv7@r.postjobfree.com

JOB OBJECTIVE

Currently pursuit of new career opportunities in a challenging position which will allow me to further utilize my skills in a dynamic, organized competitive working environment. Requiring research capabilities combined with effective decision-making and superior organizational skills. It is often said that to operate effectively within a financial environment, one must be tenacious, analytical, and highly dedicated, I hold these characteristics. I also offer an unsurpassed level of commitment to client service, with 10+ year’s experience.

WORK EXPERIENCE

Over 10+ year’s financial service experience, highly organized and efficient in fast-paced multitasking environment; able to prioritize effectively to accomplish objectives under deadline conditions. 2 years Loss Mitigation Specialist/ Negotiator, particular skill in establishing relationships with clients, financial investors and processing mortgage documents. 2 years knowledge in compliance and applicable law and regulations of Freddie Mac and private loan investors. 5+ years experience as a consumer & business loans/acquisitions originator and closer. Tracking collateral accounts, creating excel spreadsheets and viewing property and title reports. Over 5+ years collection management experience. Property/Casualty State Licensed, Experienced in insurance policy servicing. 6+ year’s Knowledgeable on various default, servicing, origination systems including, but not limited to, Fortracs, KO/RE, Vendorscape, Fidelity, Loan Launch/Doc Gen, FDR, Nautilus Imaging System, Fiserv, Internal UW application programs and all Microsoft applications. Knowledge of various origination systems such as, Internal UW application programs and all Microsoft applications.

EMPLOYMENT OVERVIEW

Bank Operations, Lending Analyst

Nationwide Mutual Insurance, Columbus OH July 2010 – June 2016

•Effectively manage a portfolio of loan applications with focus on converting applications to funded loan

•Process loans approved by an Underwriter or an automated system, Guide customers through the loan process

•Services as primary contact with parties on individual loans originated from application to closing. Responsive resource for customers when they have questions

•Analyzes account status upon receipt into BK Department and determines the best course of action to maximize company recovery within established Policy and Procedure

•Processes all paperwork associated with each case, either manually or electronically, including but not limited to filing Claims and File Maintenance

•Coordinates and submits voluntary surrender requests; processes Repossession authorization requests. Prepares and submits File Maintenance requests for various activities associated with Bankrupt accounts. Responsible for clearing conditions and issuing changes to the terms on previously approved loans

•Maintain reports for collateral accounts

•Assist in creating servicing policies and procedures

•Perform operational support assignments on behalf of banks’ departments for specialty accounts, call center analytics, credit, risk operations & control

•Responsible for preparing notices of denied loans, updates borrower, investors and servicing of status of loans

•Perform complex research and analysis in support of minimizing asset flight. Reviewing financial statements, credit reports, and applicable ratios (i.e. debt ratio, loan to value) Work with sales & service team to develop alternative solutions for assets. Creating service procedures and or process

•Present results of support activities and analysis to supervisor/management based upon tracking report

•Assist in the training and development of new team members

•Origination of consumer & business loans and correspond with clients to ensure process. Responsible of preparing complete loan application package, maintaining loan application records, assembling and gather all required documents. Create credit files, maintain collateral accounts, prepare documentation for underwriters & loan officers

•Effectively manage a portfolio of loan applications with focus on converting applications to funded loans

•UCC filing, generate and submit mortgage agreement for county recording, manage collateral account pledging

•Month end collateral asset reporting

•Ownership in resolving any issues that may arise throughout the loan process

•Communicate with other department analyst related to client status

P/L Servicing Rep III

Nationwide Insurance, Columbus OH

September 2009- July 2010

•Handle heavy volume of incoming calls and/ or e-mails from existing personal lines customers, agents and or 3rd party insured in multiple states. Limited to outbound calls and follow-up work to process customer request and or agent request.

•Request necessary forms on receipt of trailing documents.

•Answer questions and provide explanations regarding service request and coverage, limits, deductibles considering customer needs as well as company guidelines.

•Process payments, troubleshooting/problem solving, implement policy changes and perform other duties as assigned.

Loan Modification Analyst

JP Morgan and Chase, Columbus OH

August 2007 – May 2009

•Monitored defaulted mortgage loans working from an assigned queue database.

•Brought resolution by establishing a forbearance plan and or loan modification delinquent

•Reviewed credit & income, liabilities and loan to value ratios. Conducted cash flow analysis, risk assessment.

•Followed underwriting guidelines, loan closing and funding.

•Knowledge of various default and origination systems, including Fortracs, KO/RE, Vendorscape, Fidelity, Fiserv and all Microsoft applications.

•Onboarding of the modification programs, taking escalated inbound and outbound calls, research credit disputes, corresponding with credit bureau and or employer to verify accuracy of information, training associates and conducted mediations. Working knowledge of MHA, HAMP and loss mitigation practices.

•Corresponding with investors; borrowers, FCL attorney, third parties and appraisers by way of phone, fax via email. Reviewed applications to meet establishment and investor guidelines under deadline conditions.

•Record keeping/ filing and imaging legal documents

Insurance Claims/Processor

VPI, Brea CA

March 2004 – August 2007

•Troubleshooting: products and services to best fit the customer’s needs. Reconcile and adjust customer accounts, process insurance claims.

•Taking heavy inbound calls in a call center environment; 85 – 125 calls per day. Reviewing and updating borrower’s accounts, processing payments.

•Perform market research survey amongst client base to seek feedback on sales techniques, follow-up methods and quality of product and service.

•Assisted in the development of new policies and procedures

EXTRA ACTIVITIES

Part-time, Overnight Auditor/Front Desk

Residence Inn by Marriott, Columbus OH

June 2015 – May 2016

•Checks front office accounting records for accuracy

•Summarizes and compiles information for the hotel's financial records. Tracks room revenue, occupancy percentages, and other front office operating statistics.

•Prepares a summary of cash, check, and credit card activities, reflecting the hotel's financial performance for the day.

•Posts room charges and room taxes to guest accounts including guest transactions not posted during the day by the front office cashier.

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