Insurance Sales

Belinda S. Haynes

P.O. Box *****, Jacksonville, Fl 32241

*******.********@*****.***

Home Telephone: 904-***-**** Mobile Telephone: 904-***-****

PROFESSIONAL OBJECTIVE

A responsible position providing the opportunity to enhance my skills and experience in Financial

Services.

EDUCATION

Montclair State University - Upper Montclair, New Jersey - Bachelor of Art Degree 1995

TECHNICAL SKILLS

Proficient in the use of Microsoft Office (Word, Excel, & PowerPoint), QuickBooks, Calyx Point,

Microsoft Outlook and Various Internet Browsers

Digital Risk – Compliance Analyst – July 2011 to Jan 2012 (Temp Assignment)

• Review closed loan package to ensure loans were in compliance with current RESPA requirements,

Truth In Lending, HUD-1 Settlement Statement and proper handling of fees from a compliance

perspective

• perform document review, re-verifications including employment, assets, income, occupancy

Wells Fargo – Mortgage Specialist III – November 2010 to July 2011

• Process VA, FHA, Conventional and Rural Housing Loans; clear conditions

• Calculating income, verifying assets, reviewing credit and credit supplements

• Processed third party verifications of employment, rent, mortgage, deposits; ordered credit

supplements for disputes including judgments and bankruptcies; Ordered flood certificates

• Reviewed Appraisals for fraud and to ensure compliance with lender guidelines

• Interface w/attorneys and loan officers to ensure all docs were in place prior to scheduling closing

date (title, survey, appraisal, sales contract, good faith estimate, wire instructions, closing

protection letter); Updated 1003; Review and update HUD1

• Assisted assigned Loan Officers with all tasks related to mortgage loans and follow up with

customers to collect all docs necessary to close loan; Perform post-closing duties

JP Morgan Chase – Mortgage Specialist - April 2009 to November 2010

• Perform an in-depth analysis of all loans and documentation to ensure compliance with company

and/or investor guidelines for FHA and conventional purchases and refinances

• Reviews all documentation on the loan received and evaluates risk associated with the transaction

• Communicates file status and/or any problems with a loan to any necessary party

• Reviews all major changes in the loan throughout the process to determine whether those changes

will affect the original credit decision and make necessary adjustments as required

• Analyzing bank statements; calculating income; review credit reports; order credit supplements

• Review loss mitigation package documentation in a timely manner to determine if the borrower

qualifies for a loss mitigation option

New York Life – Financial Service Rep – Feb 2008 to April 2009

• Conducted Insurance & Financial Education Seminars

• Meet with individuals and businesses to conduct financial need analysis and assist in developing

financial plans

• Determined customers’ financial service needs and prepared proposals to sell services (life

insurance, annuities, long term care insurance, retirement planning, 401K rollovers)

Bank of America – Associate Underwriter - March 2006 to December 2007

• Perform an initial review of loan eligibility based upon Underwriting and Credit guidelines for

FHA and conventional loans

• Calculating income, verifying assets, reviewing credit and credit supplements

• Reviewing appraisals, adjusting loan amounts, modifying loan programs

• Perform verification of mortgage, rent, deposits, written and verbal employment

• Reviewing title and resolving title issues; reviewing and calculating HUD1 charges

H&R Block – Tax Preparer – Jan 2005 to May 2008 – (Seasonal)

• Provide tax preparation services for individuals; Explain tax advantages of savings

• Build rapport with client; assess client financial needs and offer appropriate product

• Offer bank originated savings accounts, IRA’s, lines of credit, prepaid MasterCard & loan products

• Comply with record retention policies and Patriot Act; Secure client information

Contact this candidate