Manager Specialist
Resume:
Irma Dee Gilliam
Career Objective
Applying for a responsible position in the areas of
Loan Specialist, Loss Mitigation, Due Diligence Underwriter
Specialized training in the areas of loan processing, loan default/loss mitigation
Over 9 years of experience reflecting career progression and increased responsibilities
Proficient in all areas of Loan Processing, Loss Mitigation, Sub-prime experience
A thorough understanding of wholesale and retail and correspondent lending procedures
Everbank Mortgage 10/2011-04/2013
Subordiantion Specialist
• Process Internal and external request for subordiantions.
• Analyze the request regarding risl re-pricing and/or the need to rewrite and
restructure the home equity in order to approve the subordination requested
• Handle all aspects of the mortgage subordiantion process and manage all possible
scenarios
• Explain our subordinaiton process gather documents needed, evaluate risk
recommend a course of action..
First Coast Service Options 07/2010-07/2011
Provider Enrollment Specialist
Processed enrollment applications for Medicare.
Screen and validate sensitive information given by providers
Verify information and credentials supplied by the applicant through various state and
federal resources.
Research and develop for additional information needed to close application.
PHH Mortgage/Vista Capital 02/09-06/2010
Underwriter Appraisal Review
Reviewed appraisals for Credit Risk Management
Utilized various products and guidelines as resources to determine decision
Ensured appraisal guidelines for approval.
Determined distressed properties through DMI
Lending Tree Settlement Services /Mortgage Investments 4/06 to 11/08
Work Out Specialist
Processed applications for loan modifications
Verify accuracy of borrower and vendor documents
Counseled borrower on information needed to approve modification
West America Mortgage/ Premier Lending Source 11/03 to 2/06
Senior Loan Specialist
Conventional FHA purchases and refinances
Accurately analyze credit reports, determine gross monthly income
Processed Various loan products to include niche and Alt A
Washington Mutual/Various Contract Travel Assignments 5/99 to 9/03
Contract Processor/Due Diligence Underwriter
Review of closed documents to insure complaince and accuracy
New construction and Conventional loans
Worked closely with account manager and underwriting
Chase Mortgage (Contract) 12/97 to 3/99
Underwriter Due Diligence
Performed underwriting analysis on sub-prime loans
Identified potential problem loans and made recommendation for changes
Analyzed credit history, income, title reports, and appraisals
Education
1999 Florida Community College of Jacksonville
AS Degree Office System
Contact this candidate