Heriberto (Eddie) Chaparro

**** * **** ******

Phoenix, AZ 85042

602-***-****

Email: fxph35@r.postjobfree.com

EDUCATION

Global Business Institute

• Associate of Arts Degree in Business Management

Skills

• Microsoft Office: Access, Word, Excel and Outlook, Amcat Tele-Profit System, Bondmaster System, Loan Analyst, Loan Commander, Point, Contour, Loantrac, Mortrac 3 Eclipse, ERLMF, LIV, LPS, 50 WPM.

Experience

JP Morgan Chase 01/2012-Present

HARP Mortgage Processor

• Review and submit HARP Loans for initial underwriting.

• Review Title Commitments, subordinations, Flood Certs, Homeowner Insurance Policies.

• Review and clear underwriting conditions for final review.

• Prepare QA checklist and submit loans to QA (CFM) for Pre-Doc.

• Prepare loans and submit to closing.

Wells Fargo 12/2009-11/2011

Loan Adjuster Specialist/Home Preservation Specialist

• Single point of contact and managing a loan portfolio of borrowers seeking a solution to financial hardships through loans program such as HAMP, ALLMOD, PUP modifications and other retention options.

• Reviewing initial hardship documentations.

• Requesting foreclosures postponements.

• Analyzing and calculating personal financial statements, tax returns, wage earners, self-employed and rental income.

• Satisfying documents conditions.

• Structuring and underwriting loans

• Submitting loans for decision and escalating loans based on pending and failed decisions.

• Underwriting Authority Level A.

• Knowledge of LIV, LPS and ERLMF.

• Review and clear Judgment’s and Liens on title.

Tempe School District Number Three 06/200*-**-****

Transporter

• Commercial License Class B with brake, passenger and bus endorsement.

Independent Closing Agent 01/200*-**-****

Closing Agent

• Independent closing agent for Title and Mortgage Companies.

• Closing all aspect of mortgages in the State of New Jersey.

• Review mortgage notes, mortgages and HUD-1 along with closing documents with borrowers at the time of closing.

Flagstar Bank 12/2003-01/2004

Mortgage Processor Level Four/Underwriter Level A

• Structuring and processing retail and wholesale Alt A, Sub-Prime conforming and non-conforming loans, FHA, VA and HELOC’s.

• Ran DU/LP in Mortrac and Loantrac programs.

• Ordering appraisals, titles and flood certificates.

• Package loans for proper handling of all docs’ preparation for loan closings.

• Coordinate closing schedules.

• Work directly with various departments to ensure the timely closing of all loans and funding.

• Review and clear judgments and liens on title.

Community Home Mortgage Corporation 12/1998-12/2002

Regional Operation Manager

• Managed daily operation of Sub-Prime and Alt A in closing, processing and underwriting departments.

• Home Improvement contractors in the northeast region of fourteen states.

• Established new business accounts and meeting with contractors regarding retail and direct loans finance programs.

• Keeping records of contractors and customers loans in pipeline, which over exceeded $5,000,000.00 a month and well over $3,000,000.00 in funding a months.

• Kept staff informed of company policies and procedures.

• Monitored adherence to policies and procedures

• Resolved escalated customer issues.

• A member of Community Home Mortgag

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