Customer Service Quality Assurance
Resume:
Mabel S Belcher
San Antonio, TX
OBJECTIVE: To find full time, permanent employment in a Professional atmosphere.
SKILLS: Professional demeanor, Supervisory, Computer, Training, Creating/Writing training
manuals/schedules, Mortgage Underwriting, Quality Assurance, Closing/Funding, and Fraud Reviews.
Work History:
Morgan Stanley: Due Diligence – Working relationship with MS since 02/07 to present.
- Scratch and Dent reviews
- Pricing
- Appraisal reviews
- Various on the job projects
PCI: Forensic Fraud Review – (Independent contractor) Work from home 07/2009 to present
- Forensic Fraud Reviews
- Reviewed closed mortgage files for any Fraud
- Utilized Data Verify/FraudGuard/LexusNexus/The Work Number/Netronline/Accurint and
numerous other search engines
- Assisted in deal ending clean up
Wachovia: Loan Service Auditor(term position) - San Antonio TX 01/08 to 05/08
- Audition all aspects of Loan Servicing
- Performed daily, monthly & quarterly audits
- Reported all findings to VP’s and Management staff
- Assisted mortgage and customer service staff in clearing respective findings
- Developed and revamped department Policy & Procedure guidelines, and reworked Audit
worksheets
PCI: Due Diligence Underwriter(Independent contractor) - United States/Internationally 05/06 to
present
- Perform mortgage audits; reviewing Credit & Compliance per Investor and lender guidelines, on
closed/funded mortgage loans
- Report any discrepancies to Team Lead/Investor/Lender
- Perform Scratch & Dent reviews
- Played a key role on the Morgan Stanley Scratch & Dent review team; identifying any issues with
mortgage loan files
Countrywide Home Loans: Mortgage Underwriter - San Antonio TX 01/05 to 05/06
- Worked in the CLD(Correspondent Lending Division), approved/declined and re-worked all
Countrywide funded loans (credit approval limit up to $1M)
- Responsible for Underwriting all Home Equity loans with a requirement of 20 files per day
- Trained Loan Officers on Countrywide Loan products and loan applications
PCI: Due Diligence Underwriter (Independent contractor) - United States/Internationally 08/04 to
01/05
- Credit and compliance reviews on closed/funded mortgage files
- Reviewed files for adherence to Federal/State/Investor & Lender regulations and guidelines
- Reported findings to Team Lead/Investor and/or Lender
Town & Country Credit - Mortgage Underwriter/Team Lead - City of Orange, California
08/02 to 11/03
- Supervised Underwriters responsible for underwriting all Colorado mortgage files
- Trained new hires
- Analyzed all credit reports, income documentation, mortgage ratings, Title and all other
documentation pertinent to the loan product/file
- Reviewed & analyzed residential appraisals
- Reported all findings to Processors and Management, assisted processors with clearing
conditions to prepare files for funding. Reviewed all files for Quality Control
- Balanced HUD-1’s, scheduled closings
Town and Country Credit: Texas Area Coordinator - Austin TX 11/03 to 07/04
- Was transferred to TX to assist in opening of a new Texas branch and for the position of Area
Coordinator
- Was involved in creating/preparing Processors Training manual and Testing material (for Processor
Certification)
- Was responsible for hiring/training all Texas Processors
- Reviewed all files prior to Underwriting for compliance/credit accuracy, ensured all pertinent
documentation was in file, legible and within State regulations
- Assisted Underwriters at the Corporate Office in clearing conditions to prepare files for funding in
a timely manner
- Trained processors on Balancing HUD-1, interacting with Title personnel
Orange County’s Credit Union: Mortgage Representative - Santa Ana, California 03/00 to 08/02
- I started as a Member Services rep and was promoted to the Mortgage department within a few
months.
- Responsible for underwriting 2nd mortgages and Home Equity Loans
- Reviewed full Title reports, income documentation, appraisals, credit reports; approved/declined
loans per credit union loan product guidelines
- Received awards/recognition for highest volume of loans funded per month, excellent customer
service and Credit Union product knowledge/cross selling
Steinbach Credit Union - Teller/Loans Secretary/Supervisor/Executive Admin Assistant - Steinbach
MB 04-89 to 08/98
- Started as a teller and worked my way up through most of the Departments at the Credit Union
- Daily cash balancing, taking in payments/deposits/US currency conversions/ATM
balancing/Assistant Head teller
- Data Entry of all Consumer Loans (auto loans, personal loans, signature loans, savings secured
loans)
- Supervised up to 12 loan secretaries
- Arranged monthly board meetings, prepared agenda’s, jumbo loan credit applications and created
final Board Meeting packages (10 board members)
- Worked closely with external Auditors
- Was instrumental in the Credit Union banking system conversion; was lead Trainer; the “go to”
person for any issues that arose after conversion
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