AVIS GARRETT

Summary of Qualifications

Results-driven underwriter with exceptional customer service, consumer product mortgage processor and outstanding communication skills. 15 years experience facilitating communication between consumer/bankers. Motivated, personable business professional with extensive understanding of policies and procedures. Accustomed to handling sensitive and confidential records. Experienced in performing roles of updating standard operating procedures as well as providing team quality assurance feedback and training peers. Also possess proficient knowledge in information technology applications such as Excel, Outlook, Word, and PowerPoint., Provenier, Fidelity, Hogan, FDR, Workstation, LPS, NICE, Avaya, Data Vision, IRRIS, SVP, and LIV Innovis & CIP Sericving. Expresses the ability to learn in fast pace environment and always willing to learn something new no matter what the challenge.

Skills Summary

Fraud detection techniques

Subject matter expert

Proficiency in MS Office and Excel

Ability to handle confidential material in a professional, highly ethical manner

Renegotiation of loan

Debt ratios, loan to value

Basic knowledge of information security

Entry level knowledge in database systems

Proven ability to work independently

Exceptional verbal and written communication skills

High degree of attention to detail

Strong computer skills and ability to utilize multiple systems

Experience with project coordination and leading project tasks

Detail oriented, team player and customer service focused

Professional Experience

Wells Fargo Credit Originations, Charlotte, North Carolina

Loan Document Specialist 3 Sept 9, 2013 – Present

2+ years Credit Card Underwriting and risk analysis experience

Consistently rated top performer in multiple functions

Systems knowledge: Microsoft Office, SVP, Provenir, CSS, Hogan, Lexis Nexis, IRRIS and FDR

Capability to analyze business performance to enhance productivity

Strong knowledge of banking/lending regulations and compliance requirements

Analyzing workflow policies/procedures and implementing changes as appropriate

Train and develop new employees on policies and procedures

Highly experienced in answering moderate to heavy telephone volume

Able to calculate debt to income ratios and verify income with tax documents

Perform CIP Servicing on OFAC applications.

Indecomm Global

Loan Processor (Harp Program) 7/12/12-6/5/13

Perform refinance processing for customers with currnet mortgage loans to lower their monthly payment per RESPA / HARP guidelines. Managed 60 loan pipeline.

Obtained personal information from the borrower, tax, paystubs, bank statements. income, calculate payoff, order appraisals credit report and titles (90 day from effective date), clear subordinations, judgments, home equity and 2nd mortgage liens, Verify flood ins, PUDs, HOA & HOI updated.

Assure borrowers, loan officers, settlement attorneys are not named on fed gov sites via 411, Mers, Hud.gov, USPS, EPLS, Digital Doc, Fastdata, VOEs, Fidelity & Netroline. Perform escrow analysis, appraisal collateral, complete task list & send loan to UW for final clearance . Cleared all UW conditions. Upload title commitment, wire instruction, final HUD-1, schedules, final processor scrub list, GFE’s, ICPL and send the file to closing. Alert settlement agents and attorney of closing time and dates. Monitor loan until closed and funded.

Bank of America

Loan Processor (Fannie Mae/Freddie Mac /HAMP) 1/2012-6/2012

Assist & prequalify clients with multiple payment options and workout plans, including but not limited to modifications, forbearances & moratorium. Assist clients in varying stages of delinquency / current accounts to foreclosures. Requested docs & prepared for UW approval. Explain short sale, deed in lieu, FC process & docs needed (Purchase Contract, HUD Settlement, Listing Agreement & Prequalifying Documentation) prior to transitioning client to those departments if no agreement is reached for repayment or loan modification

Cityside Management Corporation (HUD)

Propery Manager 10/2010-11/2011

Managed 1400 HUD properties located in Florida. Managed 15 vendors & inspectors assuring properties were in “Ready to Show condition” within 72 hours. Applied working knowledge of Property Management Plans per HUD /guidelines and procedures.

Wells Fargo Home Mortgage (Contract)

Modification Processor 2/2010 – 9/2010

Assist clients with multiple payment options & workout plans, including but not limited to modifications, forbearances & moratorium. Assist clients with varying stages of delinquency from current accounts to foreclosures. Request & review necessary financial documentation such as tax returns, W2’s, bank statements, hardship letters to ensure qualification & prepare file for UW.. Explain short sale, deed in lieu and foreclosure process prior to transitioning client to those departments if no agreement is reached for repayment or loan modification.

Titanium Solutions (Contract)

Modification Processor (See above) 6/2009-1/2012

Wells Fargo Home Mortgage (Contract)

Loan Doc Specialist 2 (REO-BPO) 6/2007 – 12/2008

Performed a variety of operational tasks for a moderately complex to complex process & took accountability for the process from receipt of work to resolution & closure. Verified loan documentation; processes; resolved & researched problems. . Provided agents with prior appraisals, unit and parcel numbers, borrower names & contact information to assure the client received an accurate and quality (BPO) Broker Price Opinion Report. Reviewed and processed all aspects of the report upon completion

United Mortgage & Loan Investments LLC

Tax Administrator/Sr. Lien Facilitator 3/2004 – 5/2007

Monitored property taxes by contacting all taxing entities. Alerted Asset Managers & informed of pending tax, foreclosures sales & redemption periods in a timely manner follow up after a sale to obtain results.

Generated and disbursed checks to all taxing entities to protect the company’s interest in the property.

Received and processed incoming tax bills and documented in the system accordingly.

Contacted 1st Lien Holders to make inquiries in reference to mortgage status, payment plans, forbearance agreements, attorney past due or current status & history.

Generated & reviewed credit report Ordered Assignments and Customer Authorization forms

Wells Fargo Home Mortgage (Contract) – 3 Step Refinance

Mortgage Specialist-Customer Relations 12/2002 – 2/2004

Respond to high volume phone lines to assist customers with refinance application process.

Research credit reports to determine customer eligibility. Assist with notary, closing package instructions & terminology. Reviewed customer incoming documentation for accuracy. Calculated rates, terms and monthly mortgage payments

Roto Rooter Plumbing Service

Customer Service Representative 4/1998 - 10/2002

Respond to high volume inbound phone lines; scheduled appointments.

Generated service tickets, dispatched, tracked and closed plumber's service tickets upon job completion. Made Quality Assurance calls to assure customer satisfaction and handled complaints in a timely and professional manner. Made collection calls to customers 30 days delinquent.

Wells Fargo Alarm Service

Responded to high volume inbound call/alarms. Alerted customer or dispatched Wells Fargo Guards, technicians, police/ fire department within 2 minutes of alarm activation.

Alerted company personnel of alarm not being armed at scheduled closing time and extended the time if necessary. Bonded & Department of Defense Certified.

United Parcel Service Hartford, CT

Billing Associate / Revenue Auditor 12/1988 – 12/1997

Researched, audited international parcels & billed according to weight and girth.

Processed invoices and made proper adjustments to assure customers were billed in a timely manner (within 10 days). Rejected or accepted hazardous material parcels (Department of Transportation Certified and Bonded).

Named # 1 Revenue Auditor in the Region

Education and Training

oWeaver High School

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