Eyvonne O’Neal

**** ********** ***** ******, ** *5115

214-***-**** ac025v@r.postjobfree.com

Job Objective

To bring many years of professional entrepreneurial ship, management, and administrative support, to a growing establishment that has a focus on building a competitive positive position to build a strong safe community. To bring about a positive /profitable resole. Servicing & building good professional business relationships with Investors and Financial Institutions.

Summary of Qualifications

I possess extensive knowledge and experience of the mortgage industry; retail/wholesale. I operate as a highly effective project manager.

Submit offers, purchase contracts /lease options, contractor’s bids. Evaluate to deem necessary the required, negotiations and implementations to bring properties from presale to a conveyance to investor. Coordinate multiple projects at multiple stages. Strategic thinking skills; balance the long-term objectives w/ day to day tactical realities. Analytical skills w/demonstrated ability to handle complexity, a positive, profitable resolve.

Underwrite mortgage loans per investors’ guidelines; complying with the bank’s internal standards, adhering to investor requirements and advising management of any suspicious activity or fraud. Reviewing verifying employment history, appraisals, BPO’s, credit reports, bank statements & assets. Implementing new policies and procedure as required by investor’s guidelines for FHA, FHLMC, FNMA, VA, Bank Owned & Private portfolios.

Senior mortgage loan processor.

Contract negotiations; mortgage loan, settlements, property sales, contractor bids/work orders.

Professional Experience

JPMorgan Chase Lewisville, TX September 2011- June 2016

Positions held:

Loss Mitigation; Loan default servicing - Ensure the closing package is fully complete and accurate and compliant, which includes but is not limited to; correctly itemized credits, fees listed accurately and in the correct sections, proper escrow set up, documenting clear and accurate status notes.

Loan Negotiator - Acts as a liaison between the borrower and other departments.

I proactively and consistently communicated with the borrowers, loan officer and referral partner with regard to the status of the loan filed. Reviewed loans and render credit decision based upon documentation received for loans within their lending authority. Responsible for assisting the post-closing and/or quality control department in obtaining any missing documentation needed in order to render a loan saleable into the secondary market.

Short sales; Senior Loan Processor - I was responsible for obtaining necessary documentation and information to complete a loan file (i.e. credit documents, income documents, asset documents, etc.).

For modification, short payoff, short sale, deed in lieu of foreclosure, and forbearance, verifying documents in a timely manner for accuracy and completeness, review of investor guidelines.

Mortgage Liquidation Underwriter- I Underwrote and evaluated loans including but not limited to a review and verification of supporting documents, calculating income and debts, credit, and analysis of hardship. Determine potential financial resolutions such as: modification, short payoff, short sale, deed in lieu of foreclosure, and forbearance, as well as, investor specific loss mitigation programs. Implementing new policies and procedure as required by investor’s by investor’s guidelines for FHA, FHLMC, FNMA, VA, and Bank Owned & Private portfolios. Performing due diligence quality review of underwriters, by providing a detailed review of retail and correspondent approved loans, including credit, income, and asset analysis and findings.

Berakah Property Investments Dallas, TX September-2007- September, 2011

Real estate investor property manager - Analyze property condition to determine appropriate steps for bringing property into conveyance condition to marketing to sale at FMV. Reconciled purchase, repairs, profit and fees to submit offers. Sold investment properties; contracts. Negotiated lease purchases, rental agreements. Review contractor bids and prepare cost estimates using cost estimation. Submit bids to client as appropriate, and perform ongoing follow-up until the work is approved and completed. Maintain clear and professional communication with client, internal staff and contractors. Resolve loan level issues relating to all property preservation matters. Identify, track and resolve all code violations and citations. Report claimable damages (theft, vandalism, etc.) to client and ensure completion of hazard claim repairs to scope. Drive conveyance of portfolio assets by continual evaluation sales/market trends and performance of new and existing locations as well as lease renewals. Travel to prospective sites to assure compliance.

AmeriCredit Financial, Arlington, TX September-2006 – September – 2007

Funding officer II - Performed credit investigation, verification, and loan booking processes, i.e. residency verification, employment verification, debt to income calculation, updated contract information in system, APR, payment schedule, term, etc. I assured the security and confidentiality of pertinent records. I worked with dealers to complete loan packages using of verbal and written communication. Ensure quality customer service is provided to branches, dealers, credit reference sources.

Computer Skills

Proficiency with LPS Desktop, MSP, MS Excel, MS Word, MLS, Prop Streams and Outlook

Education

Texas A&M University- Commerce TX