Resume

Sign in

Mortgage Loan

Location:
Cleveland, Ohio, United States
Posted:
February 20, 2018

Contact this candidate

Resume:

Tonda L. Easley

**** ********* ******, ******, ** 44035 – Tel: 614-***-**** - Email: ac4jsk@r.postjobfree.com

Experience Home Loan Expert with over 20 years of experience in the mortgage industry underwriting and processing FHLMC, FNMA, FHA, VA, and USDA mortgage loans. I continuously maintain top 10% in production and quality. I’m a highly motivated individual, with strong leadership qualities. I have keen analytical and problem solving skills with attention to detail and accuracy. Excellent interpersonal skills used to develop solid working relationships with peers as well as management.

PROFESSIONAL EXPERIENCE:

April 2017 Sr. Loss Mitigation Specialist (FNMA, FHLMC, FHA)

October 2017 New York Community Bank

(Laid Off) Cleveland, OH 44114

•Review/analyze for approval or decline the clients financials, paystubs, P&L, tax returns, bank statements, hardship, and appraisals to determine the possibility of liquidation for a short sale (Sr. Liens and Jr. Liens), settlements (charged off Jr. Liens), or retention of their property

•Negotiate the final HUD settlement/closing cost with the attorneys for short sales and settlements

•Maintain up-to-date knowledge of CFBP, FNMA, FHLMC and NYCB portfolio loans policy and procedures for each investor effecting decision

•Communicate with clients, attorneys, and title companies

•Utilize the following systems; MortgageServe/Fiserve, Loss Mitigation Database, Excel, Onbase, Microsoft, and Word

Nov 2016 Sr. Loan Production Analyst (FHLMC, FNMA, FHA, VA)

March 2017 Union Home Mortgage – vLoan Special Project Team

(Laid Off) Strongsville, OH

Prepare loans file for final underwriting. Review/analyze paystubs, bank statements, tax returns, W2’s, appraisal and other financial documentation for loan approval. When all documents are received for a credit decision loan is ran in DU for an approval, file is sent for final underwriting

Communicate with clients, title companies, insurance companies, PMI companies

Maintain responsibility of timely process from application to close less than 30 days

Utilize the following systems: Encompass, Microsoft, Excel, DU Fannie Mae Underwriting System

Oct 2011 Loss Mitigation Underwriter (FHLMC, FHA, USDA mortgage loans)

April 2016 Chase Loss Mitigation/Default (Department relocated to Florida)

(Laid Off) Columbus, OH 43219

Underwrite 4-6 new files per day, review and analyze client documentation to determine income and repayment ability, assess borrower hardship, review income which includes paystubs, W2, P&Ls and tax returns, credit report, assets, and appraisal documentation and propose modification decisions to assist customers in retaining homeownership for FHLMC, USDA, FHA investors.

Maintain accurate and timely pipeline of 50<> loans to avoid Department of Justice infraction

Analyze delinquency, perform escrow analysis, analyze modification scenarios to propose and recommend/communicate appropriate loan workout

Review all red flags (for potential fraud) to determine whether or not a file would need to be reviewed by our Loan Integrity Operations Department

Interact with various Chase departments to obtain customer information from Operations and Managers to receive needed documentation/information to decision a loan

Maintain up-to-date knowledge of relevant investor/Chase policy and procedures for each investor effecting loan decisions

Created checklist for the underwriters to use and implement into the training process for accuracy and consistency to use on all files underwritten

Utilize the following systems: LPS, MRW, Agent Desktop, MSP, Microsoft, Excel, Ivault, Real EC, Data Verify and Customer Assist

June 2008 Validator Mortgage Underwriter (FHLMC, FNMA, FHA mortgage loans

Oct 2011 Chase Home Finance

Columbus, OH 43219

•Due to consistently being in the top 10% of production, I was chosen by upper management to be responsible for completing the entire mortgage loan process, from the initial loan process to completing and underwriting loans, then to forward the finalized file to closing for funding of loans, while maintaining a pipeline of 80+ loans

•Underwrite 4-6 new files per day, by reviewing and analyzing financial information including calculations of income which include paystubs, W2, and tax returns, verification of assets, collateral review and credit report review

•Calculate income, loan to value ratios and debt ratios to ensure compliance with Agency guidelines

•Analyze collateral and appraisal for completeness and salability to investors

•Maintain up-to-date knowledge of relevant investor/Chase policy and procedures for each investor effecting loan decision

•Reviewed/analyzed streamlined HARP loans with limited documentation by the client for the HARP product, with 497K maximum lending authority

•Effectively communicate my decision to all Chase team members

•Utilize the following systems: CLOSR, DU/ZIPPY, MSP, Microsoft, Excel

June 2000 Sr. Mortgage Loan Processor (FHLMC, FNMA, FHA mortgage loans)

June 2008 Chase Home Finance

Columbus, OH 43219

•Prepare loan files for the underwriter to review/analyze the paystubs, bank statements, tax returns, W2’s, appraisal, and other financial documentation for loan approval

•Maintain a pipeline 70-90 loans on a monthly basis, while staying in the top 10% for monthly production

•Communicate with clients, attorneys, title companies, insurance companies, PMI companies

•Interact with various Chase departments to obtain customer information

•Maintain responsibility of timely process from application to close with 24 hour for the Super Streamline product, 30 days or less for conventional loans, and 45 days or less FHA loans

•Utilized the following systems: CLOSR, CFM, MSP, Ivault, Real EC, Microsoft, Excel

April 1997 Mortgage Loan Processor (FHLMC, FNMA, FHA, VA mortgage loans)

June 2000 Huntington Mortgage Company

Columbus, OH 43230

• Prepare loan files for the underwriter to review/analyze the paystubs, bank statements, tax returns, W2’s, appraisal, and other financial documentation for loan approval

• Maintain a pipeline 30-50 loans on a monthly basis, while staying in the top 5% of production, consistently received monthly awards for being in the top 5% for production

• Communicate with clients, attorneys, title companies, insurance companies, PMI companies

• Interact with various Huntington Mortgage departments to obtain customer information

• Maintain responsibility of timely process from application to close 30 days or less for conventional loans, and 45 days or less FHA and VA loans

• Utilized the following systems: MSP, Ivault, Real EC, Microsoft, Excel

Sept 1989 Mortgage Loan Processor (FHLMC, FNMA, FHA, VA mortgage loans

April 1997 National City Mortgage (currently known as PNC Bank), Columbus, OH 43219

Feb 1985 Executive Secretary

Aug 1989 National City Mortgage (currently known as PNC Bank), Columbus, OH 43219

Education:

Columbus State, Columbus, OH September 1981 – May 1982

University of Cincinnati, OH – September 1980 – May 1981

Glenville High School, Cleveland, OH – DIPLOMA, June 1980

Certifications/License:

Validator License

Granted Lending Authority $1M

FHA Certification



Contact this candidate