Account Executive Mortgage

Angel Calderon

Compliance File Reviewer - Mortgage Collateral

**************@*****.*** - 813-***-****

Authorized to work in the US for any employer

WORK EXPERIENCE

Compliance File Reviewer

Mortgage Collateral - Brandon, FL - 2013-02 - Present Review residential collateral loan file to ensure the original note, original mortgage, title policy, modifications, HUD settlement statements, Truth in Lending disclosures, note endorsements and assignment of mortgages are in the collateral file.

* Correct missing, incorrect, unrecorded or otherwise unusable documents required in a mortgage collateral file

* Complete specific goals related to quality and productivity

* Verify the recorded deed of trust/mortgage. The original amount and borrowers name must match the note. Verify borrower's signature, notary signature, and legal description of the property. Verify recorded copies or original documents of any renewals, extensions or modifications

* Verify the Legal description on the deed of trust/mortgage matches the title policy

* Document all non-compliance issues and input specific data from the documents into SMS Resi Review.

* Review documents to ensure they are in compliance with current and future investor requirements.

Retail Underwriter

JP Morgan Chase - Tampa, FL - 2012-06 - 2013-11

Proficient in DU, LP, Automated Underwriting Systems, FNMA, FHLMC, Frontline, Jumbo loans, complex income calculation, credit and appraisal analysis

* Analyze 1040s and complex business tax returns to determine qualifying income and credit risk

* Provided assistance and direction to mortgage bankers on issues regarding lending policies, procedures and system guidelines

* Ensured compliance with all investor guidelines

* Reviewed loans for risk factors to insure the overall quality of the loan

* Correspond with PMI companies regarding loan approvals and assist in coordinating required information

* National lending authority for conventional loans

* Highly developed communication, analytical and decision making skills

* Bilingual Spanish/English speaker

Loss Mitigation Underwriter: Loss Mitigation Specialist: Repay, Forbearance Monitor and Collector

Chase Home Finance - Tampa, FL - 2007-09 - 2012-06 Reviewed credit reports, analyzed debts on the credit report, and determined various levels of delinquency

* Interpreted the borrower's financial situation, to then put a strategic plan of assistance into place

* Reviewed borrower's hardship situations, and analyze housing expenses and calculate income

* Monitored and kept track of borrower's payments and contacting if payment is not made

* Updated financials calculate income to debt for other options once plan is completed

* Proficient on Microsoft Excel spreadsheets and creating spreadsheets to track payment and call back schedule

* Worked with the Avia outbound dialing system to collect on past due mortgage accounts

* Determined appropriate collection alternatives to settle shortfalls

* Secured payments from borrowers, determined delinquency risks and offer assistance such as repayment plans or other options that might assist the borrower

* Adhered to pre-established guidelines when determining appropriate collection remedy

Account Executive, Underwriter I

Argent Mortgage Company - White Plains, NY - 2003-02 - 2007-03

* Built a large network of local and national broker business partners

* Built a solid pipeline that sustained the market changes due to trust built with brokers

* Made daily visits to broker shops to help train new officers and develop their business

* Helped brokers structure and submit a successful loan

* Went above core roles and developed relationships with attorneys and title EDUCATION

Adlai E. Stevenson High School Bronx

1987-09 - 1991-06

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