Customer Service Sales

ERICA O. JORDAN

**** ********** ******

APT. A**

RIVERDALE, NY 10471

347-***-****-Cell

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

SUMMARY

Experienced mortgage professional recognized for taking a leadership role

in support of top management by using technical and interpersonal skills to

enhance organizational efficiencies and operations. Strengths include:

. Loan Processing: Requesting and collecting required loan documentation

at application and at underwriting approval by developing

relationships with borrowers and becoming their main point of contact.

. Underwriting: Preparing a list of required loan conditions based on

the individual credit, income, and assets of each borrower.

. Technical: Typing, office machines (multi-line phone systems, fax,

copiers, and scanners); Microsoft Office (Word, Excel), Calyx Point,

Encompass 360, Citi Works, Case Tracker, Quick Base, Snag it, iSeries,

iPortal, LPS, MERS, Pacer, and RUST Portal.

. Fundraising: Facilitated a fundraiser for the victims of Hurricane

Katrina by enlisting the assistance of community members, local

businesses and churches in the New York Metro area to provide food,

clothing and housing.

WORK EXPERIENCE

World Business Lenders/Palm National Partners - New York, NY

10/2013-Present

Credit Analyst

. Compare liquidity, profitability, and credit histories of the company

and individual being evaluated with similar establishments to

determine risk.

. Compile reports regarding finance and credit data.

. Analyze the financial records like earnings, savings, payments and

purchase of the company or individual and recommend other useful

financial activity for further plans.

. Complete loan applications, including credit analyses and summaries of

loan requests, and submit to loan committees for approval.

. Review individual or commercial customer files to identify and select

delinquent accounts for collection.

Generate financial ratios, using computer programs, to evaluate

customers' financial status.

Bank of America - Newark, NJ 11/2011-

Present

Senior Foreclosure File Reviewer

. Evaluate default mortgage servicing loans and files to determine if

all required loss mitigation activities were handled and documented in

accordance with the requirements of HAMP, proprietary modification or

other programs' requirements.

. Ensure that all required processes and procedures were followed;

system of record notated, and documentation available is imaged and

commented on appropriately.

. Review files and providing an opinion as to whether or not any errors,

misrepresentations or other deficiencies that may be identified in the

review resulted in financial injury to the borrower.

. Review foreclosed loans to determine whether or not they were

processed in accordance with HAMP, Proprietary Modification or other

applicable program guidelines and requirements.

. Review fully documented loan histories, imaged documents and

information available from all available sources to collectively

determine if it validates the information used to make the home

retention / loss mitigation decision.

Citibank, N.A. - New York, NY

5/2011-11/2011

Sales Assistant/Home Lending Division

. Pre-underwrote loan files and requested preliminary documents from

customers.

. Trained new HLS Assistants on the systems and requirements for the

position.

. Contacted management and real estate offices to collect financials and

other documentation for coop and condo loans.

. Created, maintained, and distributed pipeline reports to management.

. Managed lead distribution and tracking processed for the department.

. Completed and reviewed loan applications for accuracy, as well as

providing status updates and follow-up calls to customers.

. Maintained the Surestart pipeline for the department, including set

up, filing, assignment, and document maintenance.

. Edited the GFE according to Client Outline, and printed all welcome

packages for all customers to ensure corporate compliance.

. Assisted sales in other administrative duties, including processing

withdrawals, extending rate locks, and communicating with attorneys

to assist in coordinating closings.

Home Retention Consulting - Bronx, NY 11/2010-

05/2011

Foreclosure Specialist

. Gathered all documentation required by lenders to achieve short sale

approvals by working closely with the homeowners and their attorneys.

. Attended BPO's as the main contact for entry to the property.

. Reviewed documents to ensure they were completed accurately, or signed

if required, in accordance with document specific requirements.

. Ensured most current records or documents were pulled, in accordance

with processing requirements.

Nationwide Equities Corp. - Mahwah, NJ 11/2009-

11/2010 Senior Loan Processor

. Processed conventional and FHA loan requests based on products,

underwriting and investor guidelines, ensuring adherence to compliance

procedures.

. Provide sufficient information for an underwriting decision while

providing excellent customer service.

. Adhered to compliance guidelines and to the requirements of federal

registration under the SAFE Act.

. Maintained effective communication by coordinating successful meetings

between customers and originators.

. Worked with credit agencies, appraisal management companies, title

companies, attorneys and employers, to gather all necessary

documentation and information necessary to complete a mortgage file to

ensure that a sound credit decision could be made.

. Answered customer and mortgage originator questions and concerns.

. Monitored, updated, and analyzed credit reports, appraisals,

verification of deposit and employment.

. Analyzed mortgage files and all information presented by applicants to

ensure that each loan appropriately loan fit the product, as well as

underwriting and investor guidelines.

. Prepared and submitted loan packages for underwriting decisions.

Montgomery Capital Mortgage - Elmhurst, NY 3/2004-

11/2009

Senior Loan Processor

. Reviewed and obtained supporting documentation for loan requirements.

. Prepared loan files for submission to underwriting.

. Initiated direct contact with borrowers regarding all aspects of the

loan process including sales issues.

. Coordinated closings with borrowers and the closing department.

. Conducted a pre-underwriting review of initial loan requests.

. Supervised a team of Loan Officers and operation staff.

. Assisted and trained Loan Officers in obtaining the required

conditions to insure loan compliance and prompt closings.

NassauCommunity College - Uniondale, NY 8/2001-

1/2002

. Pursued College

Contact this candidate