Customer Service Sales
Resume:
Wayne Choe
Diamond Bar, CA 91765
972-***-**** *****.****@*****.***
Customer Service Relations, Loan Servicing, QC Analyst, Post Closing Loan Auditor, Compliance Auditor on Conventional and FHA Loan, Document/Collateral Management
Professional Experience:
Studied for Taxation, Insurance, Real Estate Courses. 1/2014-1/2019
Bank of America 11/2007-1/2014
Bank of America-Simi Valley, CA 3/2013-1/2014
File Retention of Servicing Loan-Production Specialist II/ QC Analyst/SR. Auditor
Improved the quality, reduced critical errors and developed quality process.
Verified and resolved the 30% errors on active loan, payoff loan, and service released loan for the third party, and investors.
Distributed the documents to the data processing unit as received from courts, investors, and the third party including of attorney’s network in across the states.
Verified the recorded deed of trust/mortgage instrument, title policy, assignments, loan modification, trustee sale, foreclosure sale, court sale deed, foreclosure deed, and short sale.
Interacted with applicable associates/management to identify or validate root cause of errors in loan servicing level issues implemented with policies and procedures.
Bank of America-Simi Valley, CA 8/2011-3/2013
Mortgage Electronic Recording System dept and Loan Servicing Release –Signer/Auditor
Strong time management skills, innovative and reliant performer all the time.
Verified and signed assignments of deed of trust or mortgage instruments over 230 and achieved the department’s goal over 100%.
Executed with over 90 days mortgage default payment of current homeowner.
Released the first lien, second lien, and home equity line of credit which were then assigned to MERS as entity.
Researched and audited the chain of legal title of homeowner, legal description validation, recording information, and any liens exist.
Wayne F. Choe, page 2
Bank of America-Simi Valley, CA 11/2007-8/2011
Insurance & Guarantee Dept-SR. Post Closing Auditor, FHA Loan Insure Specialist
Reviewed the mortgage underwriting summary, income documents, credit report,
Bankruptcy, notice of default, foreclosure to ensure the accuracy of FHA loan.
Analyzed loan applicant income, assets, occupancy, credit, and ensured data entry matches, calculations agreed, and verified an Underwriting summary to be accurate on FHA Loans.
Examined appraisals to ensure the evaluation has been completed in line with company guidelines and requirements.
Interacted with Underwriter to identify or validate root cause of errors in loan servicing level issues implemented with policies and procedures.
Compiled in analyzed data and deficiencies on data tracking system.
Audited legal documents and credit documents under FHA underwriting procedure and guideline of purchase loan, refinance loan, streamline loan, new construction loan, and 203K loan.
Mentor to co-workers and verified files prior to insuring loan.
Disneyland Resort-Anaheim, CA 2/2007-11/2007
Cast Member/Retail Sales Management
Experienced in training, and managed in sales cast members.
Implemented in developing sales promotions, managed in new purchasing, and controlled an inventory of merchandises.
Presented merchandise to customers, and managed the 10 stores.
Enhanced the sales overall 20% and improved customer satisfaction 99% from 95%.
Education & Training:
Cerritos College, CA-Business Economics
Computer Skill:
Word, Excel, Power Point, Data Base, SQL, C++, QuickBooks.
Completed Courses:
Taxation, Insurance, Real Estate Courses
Customer Service Experience: Banking service, Retail business, Loan broker,
Real estate, Escrow, Title insurance over years.
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