Customer Service High School

Thenisha Aron

817-***-**** *********@*****.***

To work in an environment that will utilize my abilities as a Mortgage expert and or

customer service skills. Motivated, personable business professional when dealing with

loan research situations; auditing and maintain composure during fast paced, sometimes

hectic situations. Combine excellent organizational skills with hands on computer

knowledge, superior memory for details and a strong work ethic.

Invoices/Expense Reports/Payment Transactions

Corporate Accounting & Bookkeeping

GAAP Standards & Government Regulations

MSP, AS400,lender live, FAST, LIS, ETC

Records Organization & Management

Journal Entries & General Ledger

Will type 55+ wpm

Spreadsheets & Accounting Reports

WELLS FARGO. Bedford, TX Nov. 2011 Nov 2012

Loan doc specialist/ jr under writer (for wealth management clients)

Processed files that were FHA, Conventional and VA, SIMO, Purchases, Streamline

and Refinances

Maintained a sound knowledge of Fannie Mae guidelines, DU/LP guidelines and risk

assessment tools, delivering salable loans to secondary market.

Jr underwriter of Conventional loans, reviewing self employed and wage earner

documents, assets titles, appraisals, and other required documents

Analyzed income documents to determine DTI

Detailed review of self employment income, sourcing including 1065,1120s,K 1s,1040

as well as all schedules

Reviewed information on mortgage loan documents to determine if buyer, Property and

loan conditions met Wells Fargo and government Standards

Used systems CPI, IAM and Query

Contacted borrower and informed of missing documents

Updated necessary tasks and steps to complete loan

Demonstrated skillful communication skills

Maintained the ability to process quickly and efficiently to meet production goals

Answered customer questions regarding mortgage accounts.

Maintained good customer service with borrower and loan officer and updated status of

loan.

AMO Contactot for J P Morgan Chase OCT. 2011 Nov 2011 (temp position)

HAMP & Traditional Modifications

Help approved available options (payment plans, restructures, deferment plans, etc)

Experience in Financial Risk Analysis, Training/ Development, and Project Management

Knowledge of federal laws relating to financial privacy, fair lending, collections; RESPA

(FDCPA),bankruptcy, workouts, loan modifications( MHA/ HAMP), foreclosure & payoffs

Handled multi million dollar portfolio of loans in Loss Mitigation in multiple states

Recommend and /or approved loan modifications, forbearance agreements, short sales

and Deed in Lieu of foreclosure(cash for keys, etc. if needed) where warranted

Recommended and/or approved rent to own programs to help save on losses on Home

Stability Act/Underwriting ( FHA/Conventional Home Loans); RESPA, VOE, VOD, VOL,

VOR/VOM, & FHA

Chase Home Lending Dec 2010 June 2011

Operations Specialist/Auditor(auditing underwriters for loan mods)

Exercise some judgment in selection from a set of prescribed procedures

Provide general clerical support to department

Compile data, produce reports, and/or resolve errors

Access on line computer systems to input or retrieve information

Have contact with internal customers to perform duties and/or resolve recurring problems

Assist in training new hires/going thru the critical docs and making sure all is there

Utilize the database to audit the underwriters process from intake to Q/CTrack the under

writers performance via a scorecard, calculating the fees and payments for the loan mod.

Analyze income documentation to determine workout eligibility, including but not limited to

federal tax returns, Form 4506T, paycheck advice statements and W2 statements

Analyze credit bureau report to determine debt to income ratios/Calculate workout figures

Derive final workout figures

Communicate effectively with internal and external customers

Interact with investors to verify adherence to specific guidelines

Chase Works (temp position)

Loss analyst/Loss mitigation I Default /Underwriting July 2010 Dec 2010

Perform accurate and timely financial reconciliation of Default out of pocket expenses

Process loss analysis tasks to complete the write off/charge off of loans when completed

analysis and approvals have been received

Complete root cause analysis to identify source of losses by working with Default

business departments such as foreclosure, loss mitigation, bankruptcy, claims, invoice

processing, recourse and recovery, corporate accounting, investor and financial reporting

Identify, communicate and track additional recovery opportunities with Investors, Insurers

and/or Vendors and Default business departments

Efficiently manage work queue with minimal controllable delinquent accounts

Diligently research uncontrollable expenses on delinquent accounts for resolution

Update all applicable work tracking system modules throughout the analysis process to

reflect the correct loan status

Work non prime loans through the loss submission process

Act as liaison to corporate accounting, recourse and recovery, claims or other loss

reporting groups on all research matters related to loss submission

Saxon Mortgage (Morgan Stanley)

Exception Processor II Jan 2008 April 2010

Processed payments made by homeowners

Reviewed, verified, and documented deposits

Verified maintenance of adequate Payments though bank accounts

Performed research on bank accounts and deposits

Reviewed cancellations and re in statements

Performed Bank account balancing on two accounts daily and pulled funds off loans if

not needed

Worked Payment queue for research money that was not posted to loans and any

questions that the h/o has

Posted pay offs on loans

Worked with wires and checks on a daily basis

Created daily reports in a timely fashion

Pulled reports daily

Countrywide Home Loans (Balboa Insurance) March 2006 Aug 2007

Insurance Technician II

Processed insurance related correspondence

Reviewed, verified and documented correct insurance information extracted from various

systems

Verified maintenance of adequate insurance coverage

Performed research on funds

Reviewed cancellations and re in statements

Contacted insurance carriers and/or agents

Performed placement of lender placed insurance on a daily basis.

Worked the 2 day queue, duplicate payment report, status 7 report and non

disbursement report

Trained in all different areas among this team

Education

2003 2004 Everest College Dallas, TX

(Medical Assistant)

2002 Job Corps of McKinney, TX

(Certified Nursing Assistant)

1999 2002 Denton High School Denton, TX

(High School Diploma)

Mortgage Training

FDCPA, FCRA

Bankrupcy/ Loss Mitigation/Forecloser

FHA,VA, Fannie Mae, Feddie Mac

Hemp/ Trail mod plans/retail banking

Defult Loans/ front in loans

Conforming/non conforming Loans

Working with defult Loans Bankrupty/Loss Mitigation/ Reconciliations/Risk Analysis

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