ROBIN JOHNSON

**** ****** ****** **** ******, Florida 34683

727-***-**** ac22u8@r.postjobfree.com / linked in account

RELATIONSHIP MANAGER: Banking, Auto

CREDIT ANALYST ● SUB PRIME UNDERWRITER: Auto

Proficient Sub Prime Underwriter with in-depth knowledge of auto financing industry. Experienced Relationship Manager with exceptional communication skills, adept at daily interfacing with clients and staff at all levels, with ability to transcend cultural differences. Motivated salesman, who prospers in a deadline-driven environment, yet retains a sense of humor under pressure to inspire team. Committed loan professional with proven sales, marketing, strategy, financial and negotiation talent / experience, thorough in loan / project completion, wrapping up details. Areas of expertise:

Sales Customer Service Sub Prime Underwriter II Auto Finance Direct / Indirect Lending Mortgage Loan Closer Post Closer Foreclosures Collections Human Resources Legal Wholesale Banking Administrative Mortgage Processing Post Closing Closer Loss Mitigation Audit Operations Microsoft Excel Word PowerPoint LPS Lotus Notes Client Systems LenStar VendorScape Clarifire Ocwen Resware Compass Equator iPortal ACAPS Dealertrack AS/400 LOS Encompass FHA VA Conventional

PROFESSIONAL EXPERIENCE

VanDyk Mortgage Corporation 01/30/2017 to 06/24/2017

Post Closing Specialist

Working with investor specific suspense reports and deficiency reports to monitor outstanding deficiencies that they are cured within specified timeframes set by investor in order to get loans cleared for purchase. Obtain corrective documents to satisfy investor requirements and ensure consistency, accuracy and completeness by following department policies and procedures, and per investor/agency regulations. Work and communicate professionally with external vendors and internal departments Underwriters, Loan officers, processors and title companies as to required documentation or corrections to documentation

Updating Loan Originating System (Encompass) with multiple communications via -phone calls, emails, etc. on the status or file information.

Navigator Lending- A division of Land Home Security) 6/1/2016 to 01/2017

Loan Purchase Reviewer

(Post Closing)

Reviewed/Audited Closed Loans and delivered on a timely basis to meet investor rate lock expirations. Ensure the collateral packages are delivered to Warehouse Banks to meet collateral requirements. Managing a pipe line of 60 + loans for purchase which includes:

Interacting with Title Company, lender within and investor to loan purchased within standard timeframe.

Creating Post CDs and making CD corrections and Update operating system

Transferring MERS from lender to investor/Paying lender line down

.Managing Spreadsheet with lender websites, instructions and contact information,

Review documents for signatures, initials, accurate dates and complete Notary.

Review documents for collateral package and facilitate corrections with the title company Cross train on other various duties. Meeting deadlines without compromising the quality of work, and collaborating with colleagues to form the solutions that can best serve the clients.

Lenders Title Solutions 04/01/2015 to 05/20/2016

VA Loan Closer-

Ensure compliance with Company, Investor, and Agency policies and procedures. Prepare /Approve Closing Disclosures for various Lenders loans to determine conditions that must be met prior to closing.

Review all files for compliance and accuracy Verify usage of correct Mortgage and Note. Check completed loan documents for quality control and follow-up.

Ensure closing file compliance with internal requirements and documentation with specific investor requirements.

Review loan conditions to ensure the loan is ready to close. Ensure all prior to funding conditions are met, ensuring accuracy as the primary objective. Create closing package and ensure that the Client’s customer loan or settlement fees are within tolerance and meet Client compliance

Confirm that the settlement funds have been disbursed timely and that the closing took place as per the stipulated timelines. Develop and send mortgage documents to record. Check closed loans by familiarizing with loan transactions. Act as a Liaison between Processors, Underwriters, and Settlement Agents. Send completed title docs to Clients with all applicable information to ensure a smooth closing

Review of Deeds; Surveys (If Applicable); POA; Corporate Docs, QCD etc. to identify any issues which may delay closing. Balance/ Calculate and approve wire amounts.

Assist in resolving Post-Closing deficiencies

Post Closer

Agreements’, QCD’s FCRA, and all documents that pertain to the lenders requirements and adhere to regulatory and compliance requirements and in accordance for the state requirements for closing so that the loans can be dispersed.

Scan and upload documents to database system.

Ensured that loans have a complete quality control review and is delivered in a timely basis to investors to meet rate lock expirations.

Validated that loan files have been placed in the proper stacking order from lenders for secondary market delivery.

Contact appropriate lenders, borrowers or third party vendors to obtain any missing documentation or correct an identified documentation error. Make changes to documents according to lenders agreements and requirements.

Handle multiple lenders in a fast paced environment to meet deadlines.

Help other team members and other areas of company, including Compliance, sending out checks, sending mortgages to be recorded, contacting and use online systems to check on recordings.

Validate any loans that are E-Recording.

Cross trained in Closing/Recording

BANK OF AMERICA THROUGH DISYS (Contract Position), Tampa, Florida 02/06/2012- 08/20/2013

Claim Researcher III

Assessed default mortgage servicing loans and files during the claim research process, to ensure loss mitigation requirements completed. Documented per HAMP proprietary modifications or other program requirements. Confirmed mandatory process / procedure compliance: system of record notated, documentation available / imaged, etc.

Work Ethic Accomplishments:

Researched files thoroughly for discrepancies resulting in borrower / mortgager financial injury.

Ensured alignment / compliance with company protocols and SD directives.

FLORIDA DEFAULT LAW GROUP, Tampa, Florida 03/01/10/2010- 5/11/2011

Foreclosure Sales Specialist

JP MORGAN CHASE, Tampa, Florida 06/01/2009- 02/01/2010

Loss Mitigation Specialist

REGIONAL ACEPTANCE CORPORATION, Clearwater, Florida 01/02/2008- 09/01/2008

Relationship Manager

CHASE CUSTOM FINANCE, Tampa, Florida 5/01/2007- 12/01/2007

Sub-prime auto financing division of JP Morgan Chase.

Underwriter II

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GTE FEDERAL CREDIT UNION, Tampa, Florida 04/01/2000- 07/01/2004

Locally owned and operated financial cooperative founded in 1935

Dealer Direct Consultant

BANK OF AMERICA, Tampa, Florida 08/01/1989- 04/01/2000

Indirect Underwriter / Sales / Collections

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PROFESSIONAL TRAINING & COMMUNITY VOLUNTEER WORK

AIB Principles of Banking, Know Your Customer, Compliance Training, Regulation Training, Applicant Tracking / Recruiting, Solution for Abra Suite, Consumer Loan Development, Diversity Awareness, AIB Collection Training, Effective Collection Techniques Workshop

Red Cross, United Way, Paint Your Heart Out, Toys for Tots

Tampa Chapter of Florida Credit Union League, Junior Achievement

Won essay contest held by employer for “What Volunteering Means to Me” - $500 to chosen charity

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