Malika Dabiri

404-***-****

ac8g0x@r.postjobfree.com

Company:

To Whom It May Concern

Dear Sir/Madam,

I am writing in response to the position of /

After carefully reviewing the duties and responsibilities essential of this position, I strongly Believe that I am very qualified and if given the opportunity will bring the necessary skills to Perform extremely well in this position.

My background includes over fourteen years of business experience in Call centers/Loan Sales/Customer Service/Collections /Data entry/pre-foreclosure and foreclosure /Insurance and Mortgage Quality Control /Junior Loan and Mortgage Processing / Reverse Mortgage Processing/Escrow specialist Insurance Compliance Auditor Specialist Quality Auditor/ foreclosure Complaint and compliance/Bankruptcy specialist/ Short Sale HAFA / Modification fields HAMP/ HARP refinance.

I thoroughly enjoy interacting with customers in order to achieve maximum satisfaction for both company and clientele.

I would welcome the opportunity to further discuss my qualifications with you.

My resume is enclosed for your review.

I can be reached by phone on 404-***-**** or e-mail at ac8g0x@r.postjobfree.com

Sincerely,

Malika Dabiri

Malika Dabiri

(Actively Interviewing)

Skills:

10 Key Solid skills in Microsoft Office (Excel, Word, Outlook, Access, and PowerPoint) LSMS/Radar /Venders cap system/Blacknight,LPS Mortgage Servicing System/Foreclosure And attornies/LIV Desktop/Pacer Bankruptcy system LenSta/Gen Plus loan processing systems/ Mortgage Cadence/Reve themrse Vision Software, WMSA system /VERITAS and Speed pay payment processing system/Exceptions P309system/Corporate Advance fees/I clear/ MSP Customer Service Escrow system for Insurance and taxes/ Aqua 42 System/ Track all system/ Smart flow document system/Fiserv(Globle/Docu Blitz/ DokTrak/ Mortgage Loan Serv Fiserv System /E-Oscar Credit correction system/ Zendesk online requests system, knowledge of FNMA, FHLMC, GNMA, FHA & VA servicing default requirements, Working knowledge of payment history and mortgage lending products; knowledge of FDCPA/ FCRA/HMDA/FLSA/FDPA/ RESPA/ TCPA/ CFPB and TILA compliance requirements and other regulations

Loans Retail (10 Years), Mortgage (16 Years), Customer Service (12 Years), Receptionist (6 Years), Forecloucer (5 Years), Bankrupcy(3),

Education:

Cairo University of Arts Cairo, EG

Bachelor of Arts

Professional Experience:

HomeBridge Services, Assurant LLC, Atlanta, GA Jul 2016 – Present

Customer Service / Documents Loan Specialist

Answering inquiries from customers regarding their home loans Mortgage & Insurance and Taxes Quality Control Specialist. Identifying customer needs and providing information that meets the homeowner’s expectations

Reviewed residential mortgage insurance and the title insurance policies to accuracy and Review files and documents received from lenders to ensure that the department has a valid mortgage lien with proper mortgage insurance

Reviewed primary measurements of risk for a lender and confirmed loan to value (LTV) as well as property types and update the daily report and update mortgage loan files Obtained list of the current payoffs from accounting

Communicated with attorney or servicer provider to obtain original or copy of any document missing from the loan file Prepared security deed cancellations and other mortgage document for execution by appropriate department.

Assist with delivering loan files to post-closing QC vendor.Sort, upload and track all reports received from third party vendors.Order re-verifications and credit reports, as-needed.

Reviewed and analyzed mortgage servicing policies, procedures, correspondence and other related documentation

Performed compliance testing for residential mortgage loans to ensure conformance with consumer regulatory requirements, investor requirements, and company policies and procedures

Researched and catalogued State and Federal laws pertaining to a wide spectrum of consumer finance issues and stay abreast of changing applicable laws.Researching and fulfilling requests from callers

Ensure that all new loans are properly set-up on the Strategy Commercial Loan Servicing system and that all notifications, welcome letters, etc. are distributed to the appropriate parties.

Prepare wire/ACH transfers to client, custodial and operating accounts as appropriate.

Prepare and distribute bank direction letters for direct-serviced Cash Managed Loans.

Resource Solutions, DCA Atlanta, GA Jun 2015 – Jul 2016

Documents Loan/ Payoff Specialist

Reviewed residential mortgage insurance and the title insurance policies to accuracy and reviewed files and documents received from lenders to ensure that the department has a valid mortgage lien with proper mortgage insurance.Reviewed primary measurements of risk for a lender and confirmed loan to value (LTV) as well as property types and update the daily report and update mortgage loan files Obtained list of the current payoffs from accounting

Communicated with attorney or servicer provider to obtain original or copy of any document missing from the loan file. Prepared security deed cancellations and other mortgage document for execution by appropriate department management. Reviewed and analyzed mortgage servicing policies, procedures, correspondence and other related documentation. Performed compliance testing for residential mortgage loans to ensure conformance with consumer regulatory requirements, investor requirements, and company policies and procedures

Researched and catalogued State and Federal laws pertaining to a wide spectrum of consumer finance issues and stay abreast of changing applicable laws

Revenue Management Green Tree Consulting Group Atlanta, GA Jul 2013 – Jun 2015

Mortgage Foreclosure Specialist / Mortgage Compliance Specialist / Customer Service Representative

Processed mortgage charged-off lines and credit accounts and for possible HAMP/HARP options and reviewed and audited all payments posted to the account from the date of bankruptcy filing

Handled high volume of Inbound and Outbound pre- foreclosure collection (150-300) calls daily

Conducted research to obtain location information and prepared ledger of payments received since date of first default in accordance Prepare and complete company compliance documents

Maintained accurate and detailed reinstatement and payoffs amounts as required for attorneys and mortgagors in accordance with investor guidelines.

Conducted financial analysis for repayment of loan and update insurance and taxes information's

Wells Fargo Home Mortgage Hapeville, GA Jan 2012 – Jun 2013

Foreclosure Auditor / Bankruptcy Specialist / Mortgage Compliance Auditor/ Quality Control

Negotiated with Attorney's and debtors while in bankruptcy and or foreclosure; partnered with assigned commercial bankers to develop proposals for short sale

Partnered with assigned commercial bankers to develop proposals and conducted full and comprehensive audits on loan files and, interest rate, taxes, insurance and all other applicable fees filed legal documents

Handled bankruptcy correspondence and communicated with bankruptcy courts

Conducted full and comprehensive audits on loan files and Adhering to quality management limits and standards Testing to assure that developed products meet design specifications

Distributed resources and self-study programs to company personnel as needed and monitor their usage. Maintained company training resource library. Assisted with migration of code to production and distribution level

Implemented changes to enhance the effectiveness of QA strategies and procedures

Prommis Solutions LLC Roswell, GA Nov 2010 – Jan 2012

Foreclosure Processor / Loss Mitigation Specialist / Deed In lieu

Reviewed investor requirements to stay in compliance with regulatory requirements

Prepared demand letters to request repossession of property, Notified the borrower of loss mitigation options

Prepared Proof of Claims, Motion for Reliefs, and Reaffirmation agreements

Managed loan portfolio through the bankruptcy/Foreclosure process to ensure department timeline, preparing bids and reviewing costs and fees.

Requested and reviewed appraisals and reviewed supporting documentation available in servicer's imaging system including but not limited to the promissory note, mortgage / deed of trust

Placed outbound calls to vendors to ascertain reason for non-compliance

Ensured clear and marketable title throughout the foreclosure process to eliminate delays and charge-offs

Reviewed documents and making sure the proper procedure was taken for foreclosure

Postponed sales of property when necessary and advising the lender of new sale date

Generation Mortgage Roswell, GA Mar 2009 – Oct 2010

Reverse Mortgages Loan Processor / Loan Origination Sales

Processed complex loans in GEMS (repair items, vesting issues and purchase loans)

Resolved customer inquiries and concerns in a timely and professional manner

Backup for PMI, MI, Taxes, and Hazard. Processed payments and advances on loans and credit cards

Acquired business deposits and selling related business deposit products to increase fee income while providing high customer service. Ordered appraisals and informs supervisor of discrepancies in title or survey

Knowledge of residential mortgage Federal and State regulations - Regulation Z - Truth-in-Lending, Regulation X –Real Estate Settlement Procedures Act, Regulation B - ECOA & Regulation C - Home Mortgage Disclosure Act (HMDA)

Analyzed loan documents to completeness (fraud prevention and sufficiency - submit) and Electronically organized all documentation as determined by corporate office in the correct order to send a file to be underwritten

Submitted a minimum of 15-20 loans per week to Underwriting for final loan decision

Community First Bank Alpharetta, GA Oct 2007 – Feb 2009

Loan Processor / Loan Originator / Customer Service

Qualified borrower loans and pre-approve follow up on needed documents and Fax and track necessary verifications mortgage, rent, loan, deposit Prepared 1003's and send disclosures

Maintained the confidentiality of sensitive borrower, bank, and mortgage company sensitive information and related materials and other duties as assigned

Analyzed client's loan payment abilities ensuring cash reserves / liquid assets meet minimum requirements Coordinated and followed through with cash and special loans groups to ensure necessary adjustments are made to the system

Confirmed borrower's employment stability

Coordinated proof of income and credit history / habits to facilitate and clear conditions required by underwriting and the ability to determine client's loan worthiness

Litton Loan Servicing, McDonough, GA Mar 2003 – Sep 2007

Foreclosure / Loss Mitigation Specialist

Served as a single point of contact to perform loss mitigation actions to achieve most effective outcome on non-performing loans or those at risk of imminent default.

Facilitated workouts consistent with investor hierarchy and departmental policies and procedures

Effectuated proactive communication with customer and/or customer's agent throughout the loss mitigation workout process and reviewed documents and making sure the proper procedure was taken for foreclosure

Conducted financial analysis for homeowners with delinquent loans providing complex Non-traditional mortgage agreement that allowed them to keep their homes

Review and Verify the property address utilizing the foreclosure documents (I.E. Security

Deed, title package, etc) the tax assessor or Within data when is Possible.

Prepare cash for keys documents for certain clients and perform other duties and Responsibilities as needed.

Contact this candidate