Mortgage/Loss Mitigation professional

Christina M. Knopf

**** ****** **** . ************, ** 32244

Phone 904-***-**** . E-mail *************@*****.***

STRENGTHS

** ***** ** *** *******/mortgage industry Strong customer service skills

Strong communication negotiation skills Detail oriented, able to multi-task

Level-headed and fair-minded Commitment to excellence and Strong core values

EDUCATION/AWARDS

Completed courses at SPC Outstanding Achievement award from Bank of

America

STAR certificate from VyStar Credit Union Graduated from El dorado High School Las Vegas,

NV

EMPLOYMENT

Digital Risk, LLC Jacksonville FL

06/2012-07/2013

FHLMC Forensic Underwriter / Analyst

o Completed full review of all origination documents submitted for

loan decision. Reviewed 1003, HUD-1, income documents, assets and

collateral/appraisals. Recalculated income and assets. Reviewed

original credit report and audit credit report for possible

undisclosed debts at time of origination. Completed Audit 1008 to

confirm if loan was underwritten per the seller servicer master

agreement. Reviewed findings for potential fraud and

misrepresentation at origination to obtain the loan. Findings were

sent back to client for review.

Loss Mitigation/ Modification Underwriter

o Completed full review of loss mitigation packages submitted and

processed borrowers modification requests on behalf of the lender.

Calculated income, reviewed credit report for debts reported.

Analyzed borrowers list of monthly expenses and submitted the

findings/review for immediate decision regarding borrower's

eligibility for modification or HAMP approval. Decision rendered

was submitted back to lender for completion.

Compliance Analyst - Component Servicing

o Performed QA reviews of defaulted loans on behalf of the client to

determine if the servicer performed due diligence as required per

seller servicer contract agreements. Servicing notes were reviewed

to determine how the servicer handled the onset of default

continuing through the foreclosure or completed short sale.

Findings were then sent back to the client for review. Maintained

high quality and production scores.

OCC Quality Control Auditor - Bankruptcy Wells Fargo Jacksonville, Fl

01/2012 -06/2012

o Reviewed loans with customer complaints whose loans were

involved with bankruptcies and foreclosures as

end results. Verified if foreclosure was in compliance with

applicable federal law, including SCRA and

bankruptcy. Confirmed foreclosure sale did not occur when loss

mitigation was still under consideration.

Reviewed notices, amounts, and calculation of default period to

ensure they were in accordance with state law

and terms of the loan non-judicial foreclosure. Analyzed fees

and/or penalties to confirm within accordance of the

terms of the loan documents, state or federal law. Validated

loss mitigation was handled in accordance with

policies and procedures. Reviewed bankruptcy payment history and

documented if financial injury occurred to the

borrower, mortgagee or any other party.

Short Sale Negotiator- National Quick Sale Jacksonville, Fl

11/2009 -01/2012

o Negotiated short sale workout requests for homeowners and realtors.

Worked directly with the lender via contracted servicer

accounts as well as an authorized third party. Submitted required

documents to servicers for review. Maintained constant

communication with seller and agent to advise them of the status

and any additional information needed. Negotiated any and all

subordinate liens in accordance with industry standards. Reviewed

HUD-1 for completion and compliance of fees allowed and not allowed

in short sale workouts. Submitted final HUD for closing approval.

Worked directly with title companies and attorneys to facilitate

closings. Contracted servicers: worked directly with the lender,

using their systems (MSP based) to process their files for short

sale workouts. Ordered BPO valuations. Prepared gain/loss analysis,

submitted offers and seller's financial documents directly to

investor and or MI company for review and approval. Prepared and

sent short sale approval letters and extensions as needed.

Short Sale Closer- Washington Mutual / JP Morgan-Chase Jacksonville, Fl

03/2008 -04/2009

o Processed files approved by the investor/MI company for a short

sale or DIL workout. High volume position (150+ files) which

required balancing multiple portfolios / investors for short sales

& DIL's (deed in lieu). As a closer I prepared and sent demand

letters /approval letters and updated the mortgagors account to

allow time needed to complete the workout process (30-60 days).

Contacted mortgagor and authorized 3rd party to request documents

needed. Prior to closing, I reviewed 48 hour HUD-1 to ensure all

terms and conditions of the demand letter were met. Constant

communication was needed between all parties to facilitate a smooth

transaction. Once the short sale was completed funds were sent via

over-night mail for immediate processing.

Closing Loan Coordinator II -Washington Mutual Jacksonville, Fl

o Efficiently prepared and sent closing packages and all required

documents for loan closings. Closing packages were sent

electronically to attorneys and title companies. As a closer, a

well-rounded knowledge of the loan process as well as full

knowledge of loan documents, funding requirements, insurance,

impounds/escrows setup, rescission, title and state specific

closing requirements are a must. I reviewed HUD-1 for approval

daily and maintained contact with brokers and closing attorneys to

ensure a successful closing.

Residential Construction Loan Administrator - Wachovia Mortgage

Jacksonville, Fl 05/2007- 11/2007

o Reviewed loan documents from legal files received from closers and

prepared working file to be used during the construction process.

Updated transactions for any funds disbursed or received at loan

closing. Balanced LIP (Loan in Process) sheet. Worked with senior

CLA to correct any issues in loan budget. I was responsible for

inspection setup and inspection requests for builders requiring

draws. Prepared welcome letters, maturity date letters and

delinquent/past-due interest letters to be sent to borrowers.

Reviewed and tracked daily reports and workflow between closing

team and disbursement. Demonstration of great customer service,

accountability, professionalism and excellent verbal &

communication skills were a must. Being a CLA required the ability

to interact with all levels of employees and customers.

Funding Support Sr. /Closer - Countrywide Home Loans Jacksonville, Fl

08/2006-5/2007

o Prepared and sent closing packages to attorneys and title companies

for loan closings nationwide. Closings were high volume daily and

ranged from purchases, refi's, fixed 2nds, Helocs, FHA and VA.

Direct contact with the broker and closing agent was required to

verify that all compliance guidelines and state specific

requirements were met. Knowledge and full understanding of all

mortgage documents, property/dwelling coverage and rescission dates

were required. Efficiency & time management was also a must!

Executive Assistant/Secretary - Solar World, Inc. Largo, FL

3/2006- 7/2006

o Assistant to both the Director of Operations and Plant Manager at

Solar World, Inc. (solar panel production company) Duties included:

Proper handling of invoices, sales orders and packing slips.

Responsible for weekly production reports, employee time

cards/payroll, ordering parts, materials and office supplies.

Prepared correspondence letters. Provided clients with excellent

customer service and answered incoming calls. In addition I

provided support in research on special projects.

Title Processor /Warehouser- Transcontinental Title Company Clearwater, FL

7/2005 - 2/2006

Title Processor-

o Received title requests on current and/or potential Chase Manhattan

Mortgage customers for refinances. Processed their title work,

obtaining Satisfactions, Current Mortgage Payoffs, and Release of

liens/Judgments. Prepared Quick Claim deeds and Warranty Deeds.

Warehouser-

o Closing packages were returned via FedEx. Copies of all pertinent

documents such as the HUD, Mortgages etc were made and originals

were reviewed for proper signatures by all parties including the

Notary and/or Attorney. The package was then cross referenced to

the state specific recording requirements to insure proper

recording of the new mortgages.

Account Processor - VyStar Credit Union Jacksonville, FL

1/2004- 6/2005

o Processed outgoing and domestic wires, automobile payoffs, quotes,

title requests and verification of deposit requests for internal

and external customers.

Teller I & II - VyStar Credit Union Jacksonville, FL

o Handled large cash volume. Performed numerous transactions

on computers. Obtained, balanced and filed

critical reports which kept branch and tellers in balance.

Offered customers bank products and services when a

need was recognized.

COMPUTER SKILLS

I am proficient with Word, Excel, Outlook, Windows and Adobe. I learn and

adapt to new systems quickly.

Contact this candidate