Customer Service Real Estate

Location:

Oxnard, CA

Salary:

open

Posted:

March 21, 2014

Contact this candidate

Resume:

VARSHA THACKER

**** *. ****** *****

La Habra, CA 90631

562-***-**** (Home)

562-***-**** (Cell)

******@*************.***

OBJECTIVES:

To obtain a challenging position which provides opportunity for growth and allow me to utilize and improve my knowledge and

experience in the Mortgage Industry. I have a positive attitude and eager to learn new skills.

Summary of Qualifications:

Solid Organizational and time management abilities. Prioritize and perform multiple tasks simultaneously, under pressure, and meet or

beat deadlines.Outstanding troubleshooting skills. Adept at analyzing issues, isolating problem areas, and quickly determining and

implementing solutions. Flexible, Open minded team player with strong work ethic.

EXPERIENCE:

Wells Fargo- Loan Document Specialist

January 2013 –Present

1400 N Harbor Blvd Suite# 300

Fullerton, Ca 92835

Complete initial file review of loan files prior to submission to Underwriting Team. Review conforming, non-conforming,

FHA and Wells Fargo Advisor loans for layered risk, capacity and compliance requirements. Order and review all escrow

documents, hazard/flood insurance, payoffs, request subordination agreement from various lenders. Keep customer and loan officer

updated on loan status and follow up on outstanding documents and conditions upon initial file approval. Follow RESPA

guidelines and New financial reform guidelines as applicable .

Wells Fargo – Loan Process Specialist

October 2010 – Jan 2013

- Responsible for reviewing, researching, and validating specific data, and executing substitution of trust deeds and

affidavits for judicial and non-judicial legal documents used in foreclosure proceedings.

- Responsible for maintaining a pipeline of loans and daily production goals in fast-paced environment.

- Understand strong needs of urgency with knowledge of MSP, LIV and Vendorscape.

- Utilized compliance guidelines to internal systems of records..

Wells Fargo – Loan Adjustor

October 2009 – October 2010

- Reviewing and adjusting collection portfolios which require special handling or analysis to reduce delinquent/problem

Loans within framework of company or investor guidelines.

- Analyze account equity to determine foreclosure status. Handle workout and restructuring of problem loans,

Restructuring payment plans and recovering charge-off loans.

- Conduct research and determine resolution for title/collateral perfection issue and include title claim filing to

recover losses.

United Law Group - Processor/Negotiator

April 2008 – September 2009

- Communicating regularly and effectively with mortgagors that are seriously delinquent in order to identify and counsel

borrowers on best workout options available.

- Negotiating workouts with all involved parties (borrowers, investors/ insurers, brokers etc.) from initial workout request

To final close of workout.

National Lending Corporation

Underwriter -Origination (4/06– 4/08)

- Underwriting – Manual and Automated. Review mortgage loan submissions and issue conditional loan approvals

in compliance with association as well as investor guidelines. Verify all documentation and perform necessary calculations.

- Responsible for reviewing and clearing approval conditions as required-offer alternative recommendations if needed.

- Appraisal/Valuation Analysis. Data entry functions related to underwriting. Work with processor and funder to ensure

efficient document flow.

National Lending Corporation

Due Diligence Underwriting Specialist (8/04 – 1/06)

- Write-up rebuttals and compensating factors to encourage investors to purchase loans.

- Review and evaluate data to ascertain loan viability and identify risk issues and potential fraud.

- Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various other factors

Pioneer Realty and Investments - Loan Processor/underwriter

Jan 2003 – March 2006

Complete loan modification application for client

Run comparative market analysis /value

Advise/collect list of documents required to prepare loan modification

Review all documents that received from client for loan modification

Sign loan modification Agreement and forms

Complete hardship letter

Complete financial analysis for client

Prepare loan modification package / submitted / negotiation (based on client's information)

Negotiates all purchase and listing agreements for clients

Reviews all sales contracts, disclosures, title reports and amendments

Prepares comparative market analysis and net sheets for sellers and buyers

Ensures compliance with all investor policies and procedures as well as legislative and regulatory requirements

Baskin Robbins - Manager

1989 – 2003

Performed and oversee the function, procedures and process payments in compliance with company policy.

Managed the retail shop with over $200,000.00 in sales

Responsible for hiring, training and managing six employees

Managed the overall business- taxes, buying merchandise, store layout, customer service, advertising and budgeting

Cahn Instruments - Accounting Clerk

1984 – 1988

Generated and reviewed invoices on a daily basis

Monitored accounts payable system.

Maintained general ledger and assisted in preparing monthly journals and month-end closing statements

Responsible for A/R collections and followed up with past due accounts

Processed payroll records

Computer Skills:

Operation Systems: Windows 2000/XP/Vista

Applications: Microsoft Word, Power Point, Excel, Fidelity, Data Trace

EDUCATION AND TRAINING:

M.S. University - Baroda, India

B.S. in Business Administration, majoring in Finance and Psychology

LICENCES:

California Real Estate Salesperson – 2005

Default School Training – 2007

Notary Public – 2014