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Loan Customer

Location:
Prosper, TX
Posted:
October 28, 2018

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Resume:

Marsha L Joubert

Little Elm, TX ***** Cell:214-***-**** ac7i4k@r.postjobfree.com

Career Summary

Distinctive financial services professional with over 16 years of experience that has achieved success in a variety of roles with increasing levels of responsibility with an emphasis on errant modifications, troubleshooting, problem solving, regulatory compliance, process improvement and department efficiency that is critical to the financial and operational success of an organization.

Computer Skills

FHA Connection, Neighborhood Watch, USDA LINC system, Bank One, Sharepoint, Black Knight(MSP/LPS), Remediation Agent Desktop, Agent Desktop, Fortracs, edocs Guidance, Back in the Black, Microsoft Outlook, Lenderlive, Titan

Experience

Capital One Auto Finance 06/2018 to Present

Contractor/ Credit and Collections Representative III

Develop relations with customer accounts in order to negotiate payment arrangements on collection accounts and resolve issues related to delinquent payments

Conduct outbound calls in order to reach delinquent customers.

Uses queue management skills to in order to work an assigned group of accounts.

Develop a payment plan to customer needs to bring accounts current.

Set up payment and take payments over the phone.

Pacific Union Financial 08/2017 to 01/2018

Contractor

Review and verify documents received for workout options are legible.

Verify if all pages are received, required documents signed and all pages fully completed.

Check in all received documents from customers into the Black in the Black system.

Determine what documents are needed for default work out options for short sale, forbearance, bankruptcy, deed in lieu. etc.

Request verification of employment, credit report and deposits.

Request missing documents from customers by generating a missing documents letter.

Order property reports and assign loans to underwriting for review.

Make notes in MSP and Back in the Black of missing and received items.

JP Morgan Chase/MB Underwriting 01/2006 to 06/2017

Remediation Underwriting

Evaluated errant modifications and made loan decisions within authorized lending limits in accordance with treasury guidelines while resolving and providing resolutions to other departments.

Verified trial modification payments have been made within time frame of trial agreement.

Review and verify documents are accurate and resolve all issues with title work, appraisals and income documents.

Developed and maintained a working relationship with other departments to ensure all issues are handled in a timely and professional manner.

Worked as liaison between Underwriter and other departments, 3rd party vendors. etc

Reworked 2nd lien and HELOC final modifications in accordance with guidelines.

Marsha Joubert Page 2

Request to have escrow setup on any 2nd lien or HELOC loans that were flipping to 1st lien position.

Trained and mentored team members for HELOC, Making Home Affordable and Chase modifications, providing support and expertise to less experienced staff on all procedural changes when needed.

Researched, analyzed errors to determine the root cause and develop corrective action to loan and procedures.

Performed system testing to determine the correct fix on issues with the loan and provide input on any gaps in processes and procedures when found.

Prepared written analyses to develop a corrective action with loan investigation and assessment that included in-depth review of loan.

Interpreted investor guidelines from a broad array of investors that included, but not limited to the following; FNMA, FHLMC, USDA, FHA and VA.

Executed loan auditing, litigation cases, prepared FHA claim blocks.

Actively participated in multiple projects to pilot new and improved processes within the department.

Performed re-underwriting on residential modification for compliance and investment quality and communicated deficiencies with all levels of management and external clients.

Independent thinker that is proactive, assertive and professional in dealing with internal/external customers, third-party vendor partners and senior managers.

Attended weekly meetings with various lines of businesses and work with supervisor on updating all procedures and policies for department projects.

JP Morgan Chase/Special Risk Underwriting Department

Loss Mitigation Underwriter

Calculated income from pay stubs and all possible income sources including, Profit and loss statements, bank statements tax returns for a Modification approval.

Coordinate closing with title companies, customer and loan agents on closing cost documents etc.

Worked with title companies to clear all title issues.

Worked on jumbo loans and high risk customers’ accounts to ensure modification for customers.

Accurately input data into processing system LPS Fidelity currently known as Black Knight Lending portal (MSP) for all loans with a credit decision on approval and denials with proper coding.

Verify fees are accurate and correct.

JP Morgan Chase/Loss Mitigation Department

Set up Processor

Gathered financial information for customers and determine if a homeowner qualifies for a repayment plan, modification, short sale or deed in Lieu.

Review all loan submissions from loan officer prior to underwriting and validate the income, ratios and all details of the loan prior to underwriting.

Generated Loan Estimate and Closing Disclosures

Contact customer to address any outstanding conditions prior to proceeding with loan request.

Worked as a liaison between the borrower and loan officer in gathering all documents needed to close the loan by contacting customers.

Confirmed with Foreclosure attorneys to postpone sheriff sale dates on delinquent properties in order to negotiate possible short sale.

Worked with attorney to determine a clear title on certain properties composes correspondence to borrowers and agents.

Education and Training

McNeese State University



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