Customer Service Representative
Resume:
Erica R. Ochoa
P.O. Box *****
San Antonio, Texas 78214
Cell: 210-***-****
Email: abhck9@r.postjobfree.com
Objective: To obtain gainful employment with which to utilize and broaden my skills and education
Experience:
Directions Equity, LLC (Home Loans)
Mortgage Loan Processor
18730 Stone Oak Parkway, Ste 208
Sam Antonio, TX 78258
05/28/2010 to Present
Duties: Work with borrowers and loan originators (loan officers) in gathering the necessary documents to process their
loan. Work with many different lenders and follow all there guidelines. Verify and comply all income, asset, and other
documentation received from the borrower. Work with underwriters to clear conditions. Contact title to clear title
disputes and tax information. Review DU findings and follow all instructions. Contact credit bureaus to dispute credit
information. Work with all Lender AMC’s to make sure appraisals are done in compliance with HVCC guidelines and
appraisal disputes. Order VOE’s, payoffs, and other documents needed to process the loan. Experience with
construction to perm loan products including working with all builders to get certifications and permits for home and
loan. Experience in Ordering 4506T transcripts, FHA Case# assignments, CAIVR#’s, and LDP/GSA documents.
Experience with VA IRRRL loan products. Submit closing packages and verify HUD-1. Experience with
Conventional, FHA, VA, and USDA loan products. Knowledge in Fannie Mae and Freddie Mac guidelines.
Today’s Office Professionals
Mortgage Loan Specialist (Contract Position)
9311 San Pedro Ave. #1450-950
San Antonio, TX 78216
11/30/2009-01/15/2010
Duties: Work with borrowers in gathering the necessary documents needed to process their loan. Order appraisals
and title. Calculate income for DTI ratio’s and interest for payments. Order payoffs and subordination requirements
from other lenders. Follow DU information and conditions. Verify appraisals and give good or bad news to borrowers
in a formal manner. Calculate to LTV ratios. Experience with all conventional and FHA loan products. Max
mortgage worksheets. Experience with Fannie Mae and Freddie Mac loans. Prepare Hud-1 while following FHA and
conventional guide lines and ratios. Work with borrowers to clear judgments and liens. Contacting credit agencies for
credit supplements. Order 4506T results for borrowers being audited. Calculate tax return income, all schedules.
Order and close loans in trusts.
Strategic Staffing Solutions
Mortgage Loan Specialist (Contract Position)
8000 IH 10 West, Suite 600
San Antonio, TX 7830
Phone: 1-866-***-****
06/15/2009-11/27/2009
Duties: Work with borrowers in gathering the necessary documents needed to process their loan. Order appraisals
and title. Calculate income for DTI ratio’s and interest for payments. Order payoffs and subordination requirements
from other lenders. Follow DU information and conditions. Verify appraisals and give good or bad news to borrowers
in a formal manner. Calculate to LTV ratios. Experience with all conventional and FHA loan products. Max
mortgage worksheets. Experience with Fannie Mae and Freddie Mac loans. Prepare Hud-1 while following FHA and
conventional guide lines and ratios. Work with borrowers to clear judgments and liens. Contacting credit agencies for
credit supplements. Order 4506T results for borrowers being audited. Calculate tax return income, all schedules.
Order and close loans in trusts.
Wachovia Mortgage
Customer Service Representative/Escrow Representative
4101 Wiseman Blvd.
San Antonio, TX 78251
02/04/2008-06/11/2009
Duties: Answer incoming calls from borrowers with questions regarding their mortgage. Assist borrowers with
questions such as payment information, rate information, lost payments, loan product they are currently in, different
options, differences between Fannie Mae and Freddie Mac. Difference between HARP and HAMP; explain the MAP
(Mortgage Assistance Program) and qualifications for each product. Explain negative amortization and arm products.
Calculate interest and explain how the interest was calculated. Give borrowers new options, especially with the
economy changing. Letting borrowers know us as the lender are there to assist them when the economy starting to
crash. Explain low appraisals and foreclosures. Go over short sale options and advise if their loan is headed that path.
Also explained to customer’s why payments increased due to increase in taxes and mortgage insurance. Explained why
forced insurance was placed on account or when next taxes were due. Explained the different programs for eligible
customers for tax breaks.
05/200*-**-****
Promoted to Field Support
Duties: Assist incoming calls from branches and assist them with payments that cannot go through the system.
Approve or decline payments. Advise why payments cannot be made. Order payoffs through email and telephone to
be sent within that hour.
Wells Fargo Bank
Teller
Las Palmas Shopping Center
San Antonio, TX
09/2007-01/2008
Duties: Assist customers with deposit and withdrawal transactions. Explain our products to new customers. Take
mortgage, auto loan, and credit card payments. Run CTR’s for transactions larger than $10k. Manage Safety Deposit
Boxes
Certifications/Licenses:
Real Estate Agent
Ridge Gate Realty
Realtor
Since April 2010
Operating Systems and Software:
Calyx Point up to 7.4, Fannie Mae Desktop Originator, Real EC, Streetlinks, Veterans Information Portal, SARMA
Credit, MICROSOFT OFFICE: WORD, EXCEL, POWERPOINT, ACCESS, PUBLISHER, OUTLOOK. HTML
codes, copy, scanner, printer, 10 key by touch, and 60 wpm.
Education: Southside High School- Graduated 06/03/2006 San Antonio College- Currently Attending
Contact this candidate