Service Quality
Resume:
Alfonso A. Alvarado
Santa Ana, CA 92707
Cell 626-***-****
Home 626-***-****
******************@*****.***
WWW.Linkedin.com/Pub/Tony-Alvarado/6b/aa1/322
Summary
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Component Underwriting
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FHA Loan Modification
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Manual Income Calculation
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Analyze Mortgage and Financial Documents
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Problem Solver/ Analytical
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Call Center Experience
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Administrative Support
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Quality Auditing underwriters for accuracy
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Build Client Rapport
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Inter Personal Communication
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Verification Of Income, Occupancy And Hardship
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Trained Underwriters
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Detail Oriented, Highly Articulate and Independent
Career Highlights
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Received two Underwriter Service Awards in January and February of 2013
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Lead in FHA Loan decisions on the team
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Quality Audit several underwriters resulting in 95% accuracy rate in May of 2013
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100% accuracy in load decision for the month of May & June of 2013
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Consistently achieve Component Services Underwriting departmental standards
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Transferred 125 Fidelity Mutual Funds from the brokerage platform to Fund/Serv platform therefore eliminating manual processing
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Transfers between $500 to $1million with high accuracy rate
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In-bound calls of 50 per day with high success rate of loss prevention and customer satisfaction
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Joined a Core Project Group and recommended & implement improved workflow, increased service excellence and trading turn around time.
Employment History
Carrington Mortgage Services Component Service Underwriter 2012-Present
Salary: $41,000 Annual
As a Component Service Underwriter, I manage loans in my pipeline. I conduct verification of documents from process support to decision on FHA loan modifications. As an underwriter, I communicate closely with Process Support & Customer Relationship Managers to attain necessary documents. I conduct verification of income, verification of occupancy and verification of hardship to perform loss mitigation treatment. Analyze Pay stubs Self Employed Income, Pension, Rental Income, Child Support, Divorce Decree, Bank Statements, Tax Returns, Hardship documents, Title reports, HUD Settlement Statements and Appraisal Reports. Quality audit underwriters for accuracy. Implement fraud detection technique and perform compliance review. Assess borrower credit worthiness. I develop an assumptions report utilizing Microsoft applications outlining my findings, manual income calculations and pre-eligibility checks using FHA Connection(CAIVRS and Neighborhood Watch).
Lincoln Trust Co. Trust Processor/Mutual Funds 2003-2010
Salary: $35,923.00
As a Trust Processor, I provided administrative support thru purchases, sales and exchanges of open-ended mutual funds on NSCC Fund/Service applications. Initiated new purchases using PC Web Direct. Provided support to Broker Dealers, Financial Advisors, Mutual Fund companies with trading instructions. Researched and responded to service requests. Updated Clients mutual fund portfolios to reflect appropriate transactions and broker dealer files. Uploaded dividends and capital gains to customer accounts. Provided educational support to front office operations.
Fiserve ISS & Co. Client Service Representative 1998-2003
As a CSR, I took In-bound calls of 50 per day and provided accurate information pertaining to account activity, Fiserv internal procedures, IRS technical regulations and ERISA understanding. Interacted daily with banking representatives, financial advisors, securities companies and mortgage industry on a range of products and services. I insured proper execution of trades (Mutual Funds, Mortgages Notes, LLC, REITS and CDs). This included distributions, and transfer of accounts through ACATS. Administered contributions, tax reporting and record keeping of asset positions.
Education
Waterson Business College- Denver, CO.
Business Accounting
United Mortgage Teller School
Other
Proficient with Microsoft Office applications
10 Key by touch
Type 45 WPM
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