Customer Service Manager

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Employment History

Group Financial Services - New York, NY

Credit Specialist (Manager Trainee) - April 2008-Present

. Communicated with Sales Representatives and all levels of internal

executives including CEO.

. Worked directly with various equipment and SBA lenders in order to

find lending sources for medical professionals for the purposes of

business Start-up, Expansion and Commercial Real Estate Acquisition.

. Reviewed Financial Statements, Credit Reports and other factors in

order to analyze, prepare and present arguments of credit worthiness

to lender credit committees.

. Gathered, reviewed, organized and verified all documents to be genuine

and to ensure compliance with all banking regulations.

Argent Mortgage Company, LLC - White Plains, NY

Account Manager States of Georgia and Maryland - July 2005-January

2007

Selected to prevent Real Estate Fraud in high-risk area, due to

superior attention to detail.

Facilitated and expedited loan files through the loan processing

system.

. Processed loans; requiring the verification of loan documents

including income, credit, appraisal, and title insurance; coordinated

closings with loan officers and closing departments.

. Developed and maintained business relationships with new and existing

brokers.

. Maintained comprehensive knowledge of credit lending guidelines,

title, escrow, underwriting, loan processing, servicing, loan

programs, pricing, state and federal regulations, and technological

resources.

. Applied underwriting skills to ensure loans comply with company,

investor, and regulatory requirements.

. Assessed credit risk and made sound credit decisions, performing

thorough analysis' to ensure loan quality.

. Closed 50% of all mortgages in the state of Georgia from July 2005

through December 2007.

Customer Service Representative - March 2005-July 2005

. Assisted Mortgage Brokers, Account Managers and Account Executives

with programs, policies, rates and questions regarding loan status.

Verified correct underwriting and pricing on every file for assigned

team.

. Managed faxes pertaining to loan submissions and loan conditions for

account management team.

. Cleared conditions to close, verified fees and assisted Account

Managers in the closing process.

. Provided capable and complete coverage for absent Account Managers as

needed.

Mortgage Associate - February 2004-March 2005

. Set-up and stacked loan submissions; withdrew expired loan

submissions.

. Examined preliminary loan package for errors; called Brokers, Title

Agents and Hazard Agents to correct errors; assisted Funding

Department in stacking and audit of loan package.

. Audited and stacked loan packages, ensured compliance to Argent's,

State Specific and Federal regulations; initiated wire transfers of

all loan related funds.

. Made underwriting decisions and created stipulations for applicants

through evaluation of credit history, mortgage history and debt to

income ratio; accurately priced loans for approved borrowers.

. Interviewed candidates for Mortgage Associate Program.

Education

Iona College - New Rochelle, NY

BA - Political Science - February 2002

Rockland Community College - Suffern, NY

AS - Math and Science - December 2000

Computer Skill: Microsoft Word, Excel, Access, Power Point, Outlook; Lotus

Notes, Adobe Reader, Adobe Print Shop, Internet Explorer, Lexus/Nexus;

built personal computer; set up and maintained store server and web site.

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