Myra Lownes

**** ************* ***. ** **********, DC 20005 202-***-**** ac43l1@r.postjobfree.com

Education

Major: Associate of Applied Science, Nova Community College. Northern Virginia. 2016-Present.

Minor: Introduction to Real Estates Professional. Mortgage Bankers Association. Washington DC. 1997

Related coursework: Computer Specialists, P.C. Career Blazers. Washington, DC. 1996-1997.

Skills & Abilities

Loss Mitigation, Loan Servicing, Mortgage Servicing, Mortgage Banking, Credit Analysis, Due Diligence, Residential Mortgages, Commercial Mortgages, Default, Team Building, FHA, Conventional, VA Loans, Appraisals, Valuation, Foreclosures, Fraud, Operational Risk Management, Securization, Credit Cards, Bank Contractors and Consultants, Accounts Payable, Administrative, Office Skills, Scanner, Quality Control, Loan Review, MERS, UCC Filing, Pooling Loans, LSBO Loans, Receivership assistance contractor, Typing 50 wpm, Strong Communication, and Knowledgeable.

Experience

ACCOUNT PAYABLE/ADMINISTRATIVE, WHITE HOUSE GIFTS. WASHINGTON, DC-APRIL 2016-PRESENT

Maintain various accounts for payments using Bill.com

Review invoices for appropriate documents

Approved payments

Handle mail for different departments of the company/packing and shipping

Handle incoming and Outgoing calls

Maintain files and documents thoroughly and accurately

Research and correct discrepancies

Month end closing accounts

RESPA Analyst, Treliant Risk Advisory. Washington, DC. August 2013-December 2015. Contractor.

Reviewed loans for funding and accuracy

Ensured all RESPA mortgage guidelines in compliance of disclosures, RESPA TILA Compliance, Integrated Disclosures. (GFE, Settlement-Hud-1)

Ensure all requirements under the consumer laws and regulations of RESPA met criteria

Loss Mitigation/Foreclosure, Solomon Edwards, Charlotte, NC. October 2012-January 2014. Contractor.

Reviewed post foreclosure files to determine if ownership of the Note and Mortgage was properly documented when foreclosure was initiated.

Determined if foreclosures followed applicable state and federal laws including SCRA and U.S. Bankruptcy codes

Reviewed foreclosures in MERS System

Reviewed RMA packages, fees, trial payments, Notes, Mortgage Deeds, Assignments, Hud-1, Payment history, Modifications, HAMP/HARP Loan Modifications, Titles, Appraisals, Transfers, Employment, reviewed bank notes, customer assigned to a negotiator, bankruptcy filings, MERS System, Loan originations, disclosures, other documentations to determine if ownership and bank procedures follow the protocol in state and federal regulatory guidelines of foreclosure.

Validated fees and penalties

Data Entry information from multiple systems into database

Ensured customers and or bank was in right of foreclosure and if there was any harm done in fore closuring on homeowners.

Receivership Assistance Contractor for various Consultants Firms for FDIC Failed Banks, The Corvus Group, & RSM McGladrey. Arizona, Indiana, Illinois, Raleigh, NC. June 2008-November 2013.

Held position in all failed banks in Accounts Payable paying bills to closing of bank

Reconciled all monthly end reports

Ensured documentations, invoices met bank, state, federal and FDIC regulations.

Prepared all paid leases/rent rolls

Researched and solved discrepancies as related to payments. Prepared checks to multiple banks across other states and wire transfers

Assisted with preparing management caseloads, reputations and Data entry caseloads into database

Senior Analyst/Due Diligence/Administrative, Loan Reviewer, Due Diligence Underwriter, Loan Processor, Senior Indexer. HMBI, Reilly Mortgage, Horizon Consulting, Wells Fargo Home Mortgage Company, Mortgage Dynamics. McLean, VA, Lansdowne, VA, Roslyn, VA, Frederick, MD, Marlboro, MD. April 2012-October 2013. Contractor.

Performed mortgage credit analysis and prepared technical credit reviews using MCAW/reviewing credit reports, payment history, loan application, legal documents-Notes, Mortgagees-Deeds, Titles, HUD-1, Appraisals, Property Condition, Comparable sales, and ratio.

Generated form letters for delinquencies, default notices, Late fee notifications using a Write Track System.

Reviewed and processed HUD 9250’s

Entered pay off loan information into data base system

Assisted in Loan servicing and Pooling loans f or investors

Preparing a ALS Purchase/Suspended Review Worksheet and data entry into underwriter database screen

Quality Control documents for accuracy and completeness

Performed HMDA Securization information into data base system

Set Up loan files

Reviewed Collateral files

Commercial Due Diligence Underwriter/Senior Indexer/. The Metec Group, Carter & Associates, Deva Associates, The Corvus Group. Washington, DC. September 1997-July 2013. Contractor.

Performed due diligence for Small Business Administration (SBA) Loan assets sales for disaster and economic injury.

Reviewed residential and commercial loans

Reviewed LSBO loans

Set-up files input loan documents in correct sections and scanned into database

Abstract information from loan file or computer screen into database underwriting system

Pooling loans for investor sales

Reviewed Collateral files

Clerical/Administrative, Architect of the Capitol. Washington, DC. February 1987-August 1997. Resigned.

Renewed a Security Clearance: Public Trust Clearance in December 2014.

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