Customer Service Real Estate

Reginald Jackson

***** ******* ** #****, *** Antonio, TX. 78240

(C) 313-***-**** (E) ***********@*****.***

Career Focus

To secure a position that will enable me to strategically utilize and

consistently nurture knowledge within the financial/mortgage industry.

While having a wide array of experience in the industry, my background

includes, but is not limited to, Front Line Underwriting, QC Auditing,

Mortgage Processing, and Loan Originations. Operating in ever-changing

environments effectively implementing changes as Business, Investors,

Federal and State laws require and or mandate.

Summary of Skills

MSP, Agent Desktop, DU, Calyx, Unifi, Excel, Case Tracker, AS400, Home

Saver, LPS, MERS, Acer, MLS, Mortgage Cadence

Professional Experience

01/2011 - 02/2013

USAA/Staffing Agency - San Antonio, TX

Conventional Underwriter

. Examine overall documentation to ensure compliance, accuracy, income,

credit reports, tax returns, appraisals and federal and state

guidelines.

. Automated Underwriting (DU) with lending authority up to $417k.

. Perform risk analysis and make decisions regarding deficiencies

identified during the review process and detect red flags.

. Govern and control to ensure compliance with all applicable federal

and state laws, including the U.S. Bankruptcy Code and the

SeviceMembers Civil Relief Act (SCRA), rules, regulations, court

orders and requirements.

09/2010 - 01/2011

USAA/Staffing Agency - San Antonio, TX

Mortgage Processor

. Specialized in VA and CONV refinances, as well as CONV purchases.

. Managed a pipeline of 45+ loans on a monthly basis providing extreme

customer service with constant communication weekly from the

introduction call.

. Updated members of status, also provided education on products,

guidelines and bank, investor and regulatory requirements. All

information was uploaded onto UNIFI. Set proper expectations and went

beyond USAA's expected level of service, loyalty, honesty, and

integrity.

05/2007 - 07/2010

My One Stop Mortgage - Southfield, MI

Underwriter/QA Underwriter

. Analyzed income and appraisals for FHA, CONV, FHLMC, and Fannie Mae

loans, ensuring accuracy with all necessary documents, e.g. flood,

hazard insurance, title commitment, MI certificate (if applicable).

. Performed risk analysis and made decisions regarding deficiencies

identified during the review process.

. Maintained a sound knowledge of secondary marketing activity practices

and business/industry practices as they impacted UW quality and

organization.

. Ensured audit compliance with State Examiners and other government

agencies. Audited FHA, CONV, FNMA, FHLMC and detected red flags.

01/2005 - 05/2007

My One Stop Mortgage - Southfield, MI

Mortgage Processing Specialist

. Processed FHA, CONV, Fannie Mae, FHLMC, and Sub Prime loans.

. Reviewed credit reports, income, appraisals, ordered title policies,

ensured that homeowners' insurance policies were updated and provided

ample coverage for investors, calculated self-employment income for

stated programs, information uploaded and updated onto CALYX.

. Established and maintained communication with consumers throughout the

process, continuously exceeding company set goals and expectations.

03/2002 - 01/2005

United Equity Alliance - Detroit, MI

Senior Loan Officer

. Conducted sale calls and meetings (Realtors/Builders/Private

Investors).

. Assisted customers with finding products that tailored their specific

needs.

. Originated CONV, Fannie Mae, FHLMC, GNMA, and FHA for a private

broker.

. Collected and verified personal documentation to determine credit

worthiness.

. Maintained high levels of customer service while managing each

applicant's and support staff expectations.

. Attended and participated in all consumer lending meetings and

continuing education classes.

. Handled referrals from branch manager and provided appropriate follow-

up and feedback.

. Also developed referral contacts (realtors, builders, professional and

personal contacts).

Education

2012

Champions School of Real Estate San Antonio, TX

Residential Real Estate Sales

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