Customer Service Sales
Resume:
GOHAR MURADYAN
*** *. ***** **. # * Glendale, CA 91203 - **************@*****.***
TOP PRODUCER - OUTSTANDING WORK - DAILY RECOGNITIONS
. Professional verbal and written communication skills, counseling,
negotiation techniques
. Posses proficiency MS Word, Excel, Quickbooks, Outlook, Power Point,
MLS, Citrix, Lamp, FlagsCape, IPortal, AS400LS, StatusMart, HomeSaver,
Los Mitigation Homebase, Siebel, I Series, HLIS, LMA, CRM Tool
SharePoint, Landsafe, Lafa, Valuefinder, Public Records, Title, CMA,
SRM, LPS Desktop, URS, ERNST, FileNet, MERS, CPOC Recordation and
Internet.
. Detailed oriented with strong knowledge and experience of finance
principles and guidelines, financial documentation analysis,
insurance, collections, analyzing, auditing and reconciling accounts,
. Strong skills and knowledge with 6+ years experience in mortgage and
residential and commercial real estate, including Financing,
Modifications, Short Sale, DIL, Foreclosure, REO, Bankruptcy, Loss
Mitigation, HAMP, NPV,DTI, FNMA, Freddie Mae, FHA and VA processes,
Title and Public Records.
. Knowledge in accounting, investment banking and stocks.
. Outstanding customer service, time management, analytical thinking and
decision making skills.
. Exceptional problem solving and leadership skills with building
effective business relationship.
. Excellent team member; energetic, very organized, self-motivated and
work well independently.
EXPERIENCE
Bank of America Simi Valley, CA (Contract completed)
02/23/2012- 08/23/2013
Contractor - Process Support/ Recordation CPOC/Mortgage Servicing
Specialist- 40h+OT
. Been recognized as a Top Producer for excellent work performance
and accurate decisions in declining or approving loan modification
per Underwriter guidelines.
. Earned rewards for 100% meeting time and budget goals daily with
exceeding expectations.
. Supported a portfolio of loans in default, imminent default for
loan modification, document validation, Net Present Value model
running, auditing, completing 2nd mortgage modifications,
. Achieved reputation for handling complex level transactions,
researching and preparing documents, analyzing requests in
accordance with established guidelines for loan modifications
. Ensured loan submittals met internal and external eligibility
requirements, gained extensive experience in underwriting
Conventional, FHA, VA, Freddie Mae and Fannie Mae loans.
. Provided underwriting services by processing loan documents both
conventional and government loan programs, maintaining compliance
with lending, underwriting and government requirements.
Bank of America Westlake Village, CA (Contract completed)
11/14/2011-01/01/2012
Contractor - Business Analyst/Business Control Specialist - 40h+overtime
. Resolved business and technical issues, identifying, challenging and
tracking all exceptions to defined strategies, principle, policies and
standards ensuring technical solutions are compliant with IT standards
. Handled client disputes and obtained curative documentation working
with external Correspondent Clients. Worked with Settlement Agents
explaining regulatory findings and curative documentation. Supported
Underwriters Audit team working on project assignments.
. Reviewed transaction details and provided corrections in the system
according RESPA rules. Explained the borrowers' regulatory findings,
sending cure requests to settlement agents, validated audit findings.
Bank of America Simi Valley, CA (Contract completed)
08/01/2011- 08/17/2011
Contractor - Mortgage Servicing Specialist - 40h+overtime
. Supported legal and marketing to coordinate execution of
modification programs: letter set up, data mapping, mail
coordination and system updates, includes providing project plan
and progress
. Earned reputation for exceeding goals as provided implementation of
loan modification programs; working with various lines of
businesses includes third party vendors, technology and
communication included mortgage servicing and default serving,
documentation analysis.
Urban Lending Solutions Broomfield, CO
04/2010-03/2011
Executive Customer Advocate working on behalf of Bank of America
Provided executive customer service as the highest point of escalation in
the office of CEO and President
< Earned reputation for meeting and exceeding time and budget goals, and
was recognized as a top closer/producer for closing most cases,
working in Regulatory and Non Regulatory, Document Chasing (Mortgage
Servicing, Modification), Pilot Program and Executive Phone Relations
teams.
< Entrusted with the most complex customer service issues as a result of
exceptional ability to promptly resolve concerns, and satisfy
customers with their inquiries and issues regarding in every aspect of
real estate and mortgage: modification, refinancing, foreclosure, REO,
Loss Mitigation, title, escrow, mortgage insurance, tax, bankruptcy,
short sale, payments, credit card and fraud.
< Demonstrated excellent follow-through with borrowers, loan processors,
loan originators and management throughout all phases of the
underwriting process. Contacted customers to communicate regarding
details of the process, made Final decisions, sent out letters and
closed the cases.
Sears Store Aurora, CO Sales Associate/Manager
12/2010-04/2010
Mervyn's, Ross Stores Burbank, CA, JCPenney Store Glendale, CA
10/2005-01/2009
(Part-Time) Sales Associate, Customer Service Representative
* Utilized strong sales techniques such as effective product introduction,
promotions, and persuasion to secure deals. Handled cash, credit card and
return transactions while exhibiting responsibility, honesty and
reliability
* Earned accolades from clients and company for best salesperson and
quality service while meeting and exceeding sales goals as proven
contribution to business and increased profitability.
Century 21 P & S Realty with Best Coast Mortgage & Escrow Los Angeles,
CA
Realtor, Mortgage Broker, Loan Processor
01/ 2006-05/2009
. Been recognized as a Top Realtor for coordinating and processing
transactions in selling, buying, leasing, modification or financing
activities of commercial, industrial and residential real estate
properties including REO and Short Sale. Advertised and sold loan
products.
. Organized presentations regarding recent market changes in real estate
and mortgage industry.
. Pre-qualified borrowers on financial status and methods of payments
for financing residential and commercial loans. Verified accuracy of
documents received and prepared for submission, processing loan
applications for FHA, conventional, government and commercial loans.
. Researched and prepared property information utilizing MLS, Public
Records, Title and Compared Market Analysis, determined the Chain of
Title, impact of any recorded lien, judgment, taxes
. Increased company's image and profitability by establishing
everlasting relationship with customers, which multiplied business
transactions with referrals and high reputation.
Personnel Director / Coordinator / Manager
. Provided outstanding support and administered personnel functions
including staff recruitment, interview and hiring displaying keen
sense of choosing candidates with suitable skills and abilities, which
benefited the company in terms of staff retention, productivity and
profitability.
. Supervised staff providing work direction and sales training while
fostering open communication, constructive feedback, and positive work
environment, which built great rapport among staff and recognition by
corporate managers for superior business accomplishments, earned
bonuses and awards.
EDUCATION
. BA in English University of Russian and Foreign Languages, Yerevan
Armenia 1982 - 1987
. Certificates in: Mortgage Loan Brokering and Lending, RE Economics,
RE Finance,
. RE Property Management, Legal Aspects of RE, RE Practices, RE
Appraisal, 2008 - 2009
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