Customer Service Manager
Resume:
Allison D. Aring
Aubrey, TX **227
Phone 214-***-****
Email: *******.*****@*****.***
SKILLS SUMMARY
. Proven Financial Specialist with 18 years of Mortgage Banking
experience.
. Goal and performance oriented with specialized knowledge in loan
underwriting, closings, client lending parameters, warehousing/pipeline
inventory, customer service, processing and escrow management.
. Strength in areas of problem assessment and resolution, escalation, risk
assessment, communications, project management, and implementation of
new process and change.
. PC Proficient. (Microsoft Office applications including Word, Excel, and
Outlook.
. Experience in preparing accurate and detailed marketing plans for the
benefit of selling property for most profit
WORK HISTORY:
Ocwen Financial
January 2014- present
Sr. Front End Loan Processor/Compliance
. Responsible for the loan processing of all Conventional, HARP, and
Refinance loans.
. Ensure all underwriting conditions are met prior to the creation of
the closing documents
. Preparing and sending initial loan disclosure package within
compliance
. Avista/Mortgagebot processing systems
. Image flow document viewing system
Benchmark Mortgage May
2013- September 2013
Remote Conventional Underwriter
. Primary Conventional Underwriter for new home builder business.
. Lead Underwriter for FNMA/FHLMC product in a wholesale environment
with maximum $417,000 lending authority.
. USDA underwriter with full knowledge of USDA guidelines and
submissions to GUS.
. Daily use of DataTrac and Mortgage Dashboard processing system
. Building strong relationships with Sales and Operations.
REDC Default Solutions
September 2011-May 2013
Deed in Lieu Asset Manager/Underwriter
. Process and Facilitate Deed in Lieu of Foreclosure Transactions
. Address Client and Borrower Issues
. Review Financial Documents to Insure Borrower Qualification for DIL
program
. Facilitate between Bank, Investor, Homeowner and Title Company for
successful closing of DIL transaction
. Strong customer contact with daily status calls and emails
. Coordinate with Internal Departments to Insure Proper Completion of
DIL files for Submission to client
. Review Signed DIL Docs and Complete Closing Checklist
. Review and Clear Title Encumbrances by Obtaining Settlements & W9's
. Consistently ranked in the Top 5 Producers
Capital One Mortgage
May 2010-July 2011
Loss Mitigation Underwriter
. Review files for credit worthiness in assisting to modify customers
payment.
. Working knowledge of all COMP and HAMP submitted loans.
. Provide credit scenarios for account managers in assisting customers
requests.
. Assist in writing new policies and procedures for department.
. Assist in training external and internal associates on department
procedures and daily job function.
Franklin American Mortgage Company
November 2009-April 2010
Jr. Government Underwriter
. Clearing all FHA loan conditions with the exception of appraisals
. Input of insuring information in FHA Connection.
. Working knowledge of all FHA loan documents, guidelines, and lending
procedures
. Working closely with the DE Underwriter to insure loan approval within
HUD guidelines
. Reviewing appraisals for comp comparison, value accuracy, and market
trend
Gateway Mortgage May 2009-
September 2009
Conventional & USDA Underwriter
. Primary Conventional Underwriter for the site.
. Lead Underwriter for FNMA/FHLMC product in a wholesale environment
with unlimited lending authority.
. USDA underwriter with full knowledge of USDA guidelines and
submissions to GUS.
Wachovia Mortgage
May 2006 - May 2009
Underwriter II/Performance Consultant: Addison, TX 7/08-05/09
. Partnered with site management for customer satisfaction management.
. Responsible for workflow uniformity, process improvement and site
measurements.
. Worked in reviewing reports to identify, develop, facilitate and
coordinate the training needs for all FTE.
. Worked as Boarding Coordinator for all FTE to insure consistent flow
of information.
. Facilitated the implementation of Corporate Initiatives intended to
streamline the process and improve customer service.
. Audit files for quality and compliance.
. Exception Reporting - responsible for clearing or correcting all FHA
errors to insure acceptance by HUD.
. Principal Underwriter for Conventional loans with lending authority of
$650,000.
. Trained FTE as part of the transition team for integrating new staff
members as a result of the bank mergers.
Underwriter II: Addison, TX 2/08-7/08
. Responsible for underwriting Conventional loans for specific products
using D.U. and manual underwriting processes.
. Worked directly with the closing and funding department to satisfy
closing conditions.
. Communicated directly with loan processors and mortgage consultants to
assist in the loan structure process.
. Communicated directly with borrower to improve Customer Relations and
satisfy any customer query.
. Maintained a consistent turnaround time of 24 hours on 97% of all
files with Lending authority up to $650,000.
Workflow Coordinator: Addison, TX 11/07-2/08
. Responsible for assigning daily workflow of pipeline to insure
equitable distribution.
. Monitored and tracked the reconciliation of fees owed on all
adverse/irregular files.
Underwriter I: Addison, TX 11/06-11/07
. Responsible for underwriting Conventional loans for specific products
using D.U. and manual underwriting processes. .
. Worked directly with the closing and funding department to satisfy
closing conditions.
. Communicated directly with loan processors and mortgage consultants to
assist in the loan structure process.
. Communicated directly with borrower to improve Customer Relations and
satisfy any customer query.
. Maintained a consistent turnaround time of 24 hours on 95% of all
files with Lending authority up to $417,000.00
Mortgage Closer: Addison, TX 5/06-11/06
. Responsible for the management of an assigned pipeline to insure
timely and effective closings.
. Reviewed and maintained consistent volumes in closing capacity to
include; portfolio, approving amendments, extensions and late proceed
updates.
. Assisted Manager with projects and MIS reports reflecting the
effectiveness of department, work measurement, process timelines and
overall report card rating. The Department was consistently a top
performer in closing production and team assists.
. Assisted Management with creating and implementing new policies and
procedures consistently focused on improvement.
Freddie Mac January 2005 -
February 2006
Closing Coordinator: Carrollton, TX
. Responsible for the management of an assigned pipeline to insure
timely and effective closings.
. Reviewed and maintained consistent volumes in closing capacity to
include; portfolio, approving amendments, extensions and late proceed
updates.
. Assisted Manager with projects and MIS reports reflecting the
effectiveness of department, work measurement, process timelines and
overall report card rating. The Department was consistently a top
performer in closing production and team assists.
First Preston Mgmt. August
2002 - December 2004
Closing Coordinator: Addison, TX
. Responsible for the management of an assigned pipeline to insure
timely and effective processing and closings.
. Responsible for creating a new post closing department for all new
contract accounts.
. Consistently met or exceeded defined closing goals.
Bank Source Mortgage
May 2001-July 2002
Lead Loan Processor: Addison, TX
. Responsible for the loan processing of all Conventional, FHA, and VA
loans.
. Ensure all underwriting conditions are met prior to the creation of
the closing documents.
United Lending Partners October 2000-May
2001
Senior Loan Processor: Dallas, TX
. Responsible for the loan processing of all Conventional, FHA, and VA
loans.
. Ensure all underwriting conditions are met prior to the creation of
the closing documents.
Ohio Savings Bank February 2000-October
2000
Mortgage Banking & Tax Specialist II: Cleveland, OH
. Responsible for the payment and exception processing on all escrowed
accounts. Re
. Responsible for clearing all exceptions by performing the research,
balancing and reconciliation and, problem resolution.
. Lead teams in auditing loan files on funded loans to insure compliance
and evaluated customer service to broker/correspondents to insure
streamlined process and capture and correct oversights / omissions. .
Magellan Mortgage February 1998-October
1999
Senior Loan Processor: Cleveland, OH
. Conventional, FHA, and VA loan processing.
. Ensure all underwriting conditions are satisfied prior to printing
closing documents.
Mortgage One Services February 1995-February
1998
Loan Processor: Cleveland, OH
. Conventional, FHA, and VA loan processing.
. Ensure all underwriting conditions are satisfied prior to printing
closing documents.
EDUCATION:
Southern New Hampshire University April 2012-December 2015
BS in Justice Studies/Criminology
Valley Forge High School September 1987-December
1989
GED Parma Heights, OH
Community Service:
Participate in a variety of Neighborhood and Community programs as time
permits.
State of Texas Licensed Notary
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