James A. Davis

*** ******* ****. ***** *****, PA 19082

Cell: 610-***-**** Email: ac0d8t@r.postjobfree.com

SUMMARY:

To obtain a position in a financial sector as a Mortgage Loan Processor wherein my abilities and skills will be utilized towards the growth of the organization.

I have proven ability to complete files from origination thru closing with direct contact with Borrowers, Account Executives, Lenders, Appraisers, Closing Agents, etc. I have experience with conforming, FHA and non-prime loans including submission to various lenders. I also have proficiency of the application processing and AUS systems (including, but not limited to DU/DO).

PROFESSIONAL EXPERIENCE:

PHH Mortgage – Mt Laurel, NJ

Mortgage and Servicing Company

Single Point Of Contact/ Retention Loan Specialist

•Manage pipeline of loss mitigation loans in various stages according to guidelines and protocols established by PHH, Investors and other Clients.

•Proactively communicate with borrowers and authorize third parties.

•Thorough in gathering borrower information, verifying and reviewing file documentation to guide each loan from pre-approval to closing.

•Educate homeowners on retention and liquidation options to help avoid foreclosure including the HAMP, Standard or Streamline Loan Modification and Deed in Lieu.

•Maintain excellent quality assurance scores and significantly exceed expectations.

•Knowledge of LPS/Black Knight, Savana, CIV and Similar DU/DO software

•Communicate with various departments to resolve issues.

Wells Fargo Bank - Chester, PA

Mortgage Banker

LDS-3 Processor

•Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs.

•Thorough in gathering borrower information, verifying and reviewing file documentation to guide each loan from pre-approval to closing.

•Handled on average 45-55 Non-Comforming, Conforming and FHA loans per month.

•Liaison between Client, Appraiser, Underwriting and Closing Departments.

•Computer savvy in MS Office Suite, LPS and proprietary mortgage-processing software.

Consumer Credit Counseling Services of Delaware Valley – West Chester/Coatesville/Philadelphia, PA

Nonprofit Credit and Housing Counseling Services

Certified Credit and Housing Counselor

•Provided one-on-one counseling sessions to clients consistent with regulatory/funding requirements and CCCS/CLARIFI visions and compliance.

•Manage data collection and reporting, fostering continuous improvement while effectively supporting integrated programs as assigned.

•Good interpersonal skills, a working knowledge of finances/credit, effective problem solving also able to convey suggestions/ideas in a constructive non-judgmental fashion.

•Organized and efficient in time/work management.

•Counseled Clients in Credit Card, Personal/School Loan Debt, Housing Delinquency, Pre and Post Purchase Housing Finances, Budgeting and other Financial Areas.

James A. Davis

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Wells Fargo Bank - Chester, PA

Mortgage Banker

LDS-2 Processor

•Managed Loan Processing functions and minor underwriting operations.

•Liaison between Client, Underwriting and Closing Departments.

•Responsible for initial set up operations for MHA Program - HAMP/HARP Loan Processing for facility.

•Worked with New York State (CEMA), Pennsylvania and New Jersey loans.

Rainstar Mortgage Corp - Philadelphia, PA

Mortgage Brokerage Firm

Sr. Processor

•Managed Loan Processing functions and minor underwriting operations.

•Educate staff and clients in mortgage operations and functions.

•Oversee Approval or Rejection of loan application process.

•Liaison between Appraiser, Title Company, Lender’s Underwriting and Closing Departments.

EDUCATION:

Lean Six Sigma - Yellow Belt

BS Marketing Management Business Administration

Clarion University of Pennsylvania

PROFESSIONAL/COMMUNITY AFFILIATIONS:

Member, National Foundation of Credit Counselors

Member, Kappa Alpha Psi Fraternity Incorporated

Member, Prince Hall Masonic Lodge of Pennsylvania

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