Management Loss Mitigation

CALVIN G. WARD JR.

**** ****** *****

Fort Worth, TX 76134

214-***-**** (Cell)

Email Address: *************@*****.***

Summary of Experience

Calvin G. Ward Jr., is a goal achieving professional with experience of

more than 10 years in mortgage loan administration, specializing in Default

Management including Loss Mitigation, Due diligence Underwriting, Default

Servicing and Fraud Reviews and Compliance Reviews. Mr. Ward possesses

strong analytical and decision-making skills, communicates and works well

with his clients. He is a self-starter, motivator, flexible and dependable

with strong service, teamwork and time management skills. Proficient in

computer operation with WordPerfect, Windows, Excel and many more.

Work Experience

Beal Bank, AMC, Due Diligence Underwriter 2009- 2010

. Due Diligence Underwriter/Appraisal Review/Broker Price Analyst.

. Review Original Loan Amount, Income Doc type, Subordinate Financing,

Lien Position screen, Rate type, 1003/1008 Occupancy and confirm with

credit report, Previous Home Value, TP and appraisal Section, Loan

Purpose, Purchase price, down Payment, Current P&I, Refinance Reasons

and Junior liens, year property acquired and property cost, cash-out

reason, Compliance Review APR and section 32 test, calculate front-end

and back-end ratio's verify liquid assets, mortgages insurance and

PITI..

. Reviewed FICO scores and Lenders Matrix's along with DTI and LTV of

borrowers to insure loans were not understated/for predatory lending

purposes.

. Performed Credit & Compliance Reviews.

. Compliance & Credit worthiness.

. Insured Appraisals were reported within current timelines as well as

AVM's

Amerinet Mortgage, Senior Loan Officer 2007-2009

. Contact the client after reviewing information (to discuss their

personal needs in order to provide them with a loan).

. Run and review credit history, income, length of employment and

seasoning of home.

. Work up a loan offer that most benefits borrower.

. Assist borrower in locating required documents.

. Process and meet the condition prior to funding.

. Order and review appraisals.

. Submit completed loan to Funding.

The Clayton Group Shelton,

Due Diligence Underwriter Servicing Examiner- Consultant 2002-2007

. Perform back end underwriting on post closed loans Review financial

statement, credit reports, complete credit analysis including

calculate consumer debt to ratio income and cash flow.

. Review loan documents including but not limited to Truth in Lending

Statement,

Mortgage, Note, Title Policy, Appraisal, Assignments for accuracy and

fraud risk;

Complete high costs Section 32 Analysis; Review delinquent mortgage

loans including loans in foreclosure and made recommendations

regarding Loss Mitigation Options, Complete servicing review including

analyzing title to determine lien position, reviewing payment history

to determine delinquency trends and risks.

. Perform desk review of appraisals and review ( Broker Price Options)

. Compliance & Credit worthiness. Insured Appraisals were reported

within current timelines as well as AVM's and Field Reviews.

SBC, Revenue Management 1999-2002

. Managed delinquent Business portfolio. Responsible for training,

budget, risk analysis, portfolio delinquency, loss mitigation;

Implemented production standards to increase productivity, reduce

delinquency and promote accountability

Encore Mortgage/Alpha Infinity, Senior Loan Officer/Processor 1994-1999

. Reviewed DTI, Residual Income, Debt and Credit Reports, Combo, Titles.

. Review financial statement, credit reports complete credit analysis

. Review loan documents including but not limited to Truth in Lending,

all disclosures, GFE, Appraisal

. Assignments for accuracy and or fraud risk

Education/Certifications

. 1989-1993 North Lake College Irving, TX

. Mortgage Banking

. Minor in Criminal Justice

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