Customer Service Real Estate

Keila James

*** ****** ** *** **** * Plano Tx ***23 * 817-***-****

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

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SUMMARY

Jr. Underwriter

Licensed Realtor for 5 years

FHA DE Certified Training

PROFILE

Qualified and results-oriented Mortgage/Banking Professional with over 9

years experience in positions of increasing responsibility and duties with

a complete understanding of legal, regulatory, economic, competitive and

technological environments which potentially affect Real Estate Lending

Programs. Team player and leader with polished communication skills:

verbal, written, interpersonal, presentations and rapport building.

Customer Service Relations

Staff Training & Development

Banking Products & Services

Sales Management

Strong Analytical, Mathematical and Problem Solving Skills

Regulation Compliance

Knowledge of Credit Underwriting

Knowledge of PMI, FNMA, FHA, FHLMC guidelines, DU and LP

Knowledge of Appraisal review

Ability to prioritize

Experienced in fraud detection techniques

Works well in high pressure environment

PROFESSIONAL EXPERIENCE

New Vision Loans and Investments Allen Park MI

Jr. Underwriter - Cambridge Lending Firm

2004 - 2009

. Managed all daily activities: Recruited, trained, supervised, and

motivated.

. Carried out confidential inquiry to check the information provided by

the loan seeker

. Determined credit worthiness, capacity, and collateral of the borrower

. Trained Processors

. Created Loss Mitigation Department, responsible for negotiating short

sales and loan modifications

. Requested documentation to complete loan profile

. Independently performed financial analysis on borrowers, reviewed

financial statements

. Reviewed and examined every loan to ensure soundness, business value

and compliance with company

. Assessed loan attributes and documentation for soundness and accuracy,

maintained compliance

. Identified risk issues and potential fraud

. Evaluated debt ratio, loan-to-value ratios, credit score, property

valuation and various other factors

. Provided customer service to prospective and existing borrowers

keeping the customer informed of loan status and changing guidelines

. Issued denials to loan application that did not meet company standards

. Supervised and Quality Controlled Loan Processing and Originating

. Managed 15 employees and payroll, managed account executive relations

New Vision Investments Allen Park MI

Owner- Property Management Company 2004-

2009

. Managed real estate portfolios, rent rolls

. Marketed and sold real estate, maintained inventory, provided profit

and loss statements

. Assisted accounts with financial statements for accuracy

. Provided various measures for negotiating and organizing lease

agreements

. Produced spreadsheets, reviewed repair bids

. Created investment portfolios, CMA reports, and advised on new

investment opportunities

Sailor Mortgage Southfield MI

Senior Processor/Loan Officer 2003-

2004

. Responsible for reviewing financial statements, applicable ratios,

credit accuracy, fraud detection and evaluating transitions to certain

accuracy

. Responsible for processor training and loan officer training

. Examined loan documents for accuracy, pre-underwriting

. Submitted to lenders automated systems such as Fannie Mae and Freddie

Mac and manual underwriting

. Carried out confidential inquiry to check the information provided by

the loan seeker

. Responsible of the process opening through funding

. Responsible for business banking and opening and closing of office

. Quality control and compliance

Federated Mortgages Livonia MI

Loan Processor 2001-2003

. Processed large loan volume

. Ordered documentation, examine loan documents for accuracy and fraud,

pre-underwriting

. Submit to lenders automated systems such as Fannie Mae and Freddie Mac

and manual underwriting

. Responsible of the process opening through funding

. Developed knowledge in appraisal review and process

ERA Majestic Realty Oak Park MI

Realtor

2003 - Present

PROFESSIONAL DEVELOPMENT

Mortgage University- FHA DE Training

2009

Licensed Realtor Texas

2010

Texas Mortgage Broker Training

2006

Henry Ford Community College, Dearborn Heights, MI Business

Administration/Music

1999-2000

Wayne County Community College, Taylor MI Business Administration

1995-1996

Computer Skills

Microsoft Word, Outlook, Windows Vista, Calyx, Encompass, Excel, Power

Point, DU/LP

Contact this candidate