Underwriter

DEMEANA L. CORNELIUS

QUALIFICATIONS

Over ** years of Mortgage Servicing experience. Highly

organized, self-motivated and detail oriented. Demonstrate

positive customer relations by communicating well, maintaining

a positive attitude, being timely, efficient and continually

looking for ways to improve quality. Effective problem solver,

ability to lead while being a team player. Accurate

alpha/numeric keyboarding skills; type 40+ WPM; knowledge of

various letter style formats; numerical and chronological

filing; dependable; disciplined; responsible; strong

communication skills. Ability to manage multiple priorities

and deadlines. Advance in Windows; MS Office; Access; Power

Point; AS400.

Experience

2013-Present Green Tree Mortgage Servicing Rancho

Cucamonga, CA

Mortgage Loan Servicing Specialist

Organize and Prioritize assigned loans; Negotiate payment

arrangements and offer suggestions on to meet payment

obligations. Identify all potential Loss Mitigation workouts

options and provide accurate information to process HARP, HAMP

& Streamline Modifications. Review loans to determined

regulatory and investor requirements are met with regard to

Loss Mitigation workouts. Complete Loan Modifications, Short

Sales, Private Sales, Deed in Lieu, Quitclaim and Foreclosure

processes. Knowledge of Reg. Z, TILA and RESPA. Proficient in

Microsoft Office/Excel.

2012-2013 Promontory Financial Group/Randstad

Orange, CA

Processor/Auditor

Review customer complaints, mortgage loan documents and

decision files. Validate computations of borrower's

indebtedness and financial condition. Condition loan files for

missing documentation. Review, enter and analyze data in

proprietary case management system, which may include

verification of data against multiple sets of guidelines.

Demonstrate an in-depth understanding of Federal, multi-state

and local mortgage compliance regulations. Conducted Mortgage

Audits working with Government Bureaus of the Department of

Treasury on loan practices and modifications. Proficient in

Microsoft Office/Excel.

2008-2012 Bank of America

Brea, CA

Processor II

Processing and Underwriting Loan Modifications. Familiar with

mortgage investors' matrix and waterfalls Fannie Mae, Freddie

Mac, FHA/VA and private. Knowledge of system applications:

Homebase, Homesaver, iSeries, LAMP, CROSS, ALS, FileNet,

Accruit, FastData, Everett, CEVIS, CSAD, iPortal, MAD, AS400

Microsoft Word, Excel, PowerPoint, Access & Outlook. Full

account ownership from beginning to end with a portfolio of

over 300 clients. Demonstrates leadership and the ability to

work in a fast pace, high volume environment and well to adapt

to change.

2006- 2008 Freemont Investment & Loan

Ontario, CA

Loss Mitigation Specialist

Evaluate borrowers request for loan modifications and short

sales to determine financial risk and final approval decision.

Perform 30-120 day collection practices for over 300 accounts.

Ability to prioritize and multi task. Advanced Microsoft Excel,

Access, PowerPoint, and Word skills.

Education

University of Phoenix San

Bernardino, CA

Master Certification in Human Resource Management

Masters in Business Administration

California State University San Bernardino, CA

Bachelors in Real Estate

Bachelors in Finance

To The Hire Recruiter:

I am actively seeking a position a Mortgage Processor or Underwriting

position. I have over ten years of mortgage and loss mitigation

experience, assisting and executing Loan Modifications, Short Sales

Negotiations, Deed in Lieu, Forbearance Plans, Cash-For-Keys, Partial

Claims, FHA Streamline Modifications/Refinance, HAMP, Making Home

Affordable, FHA's Home Affordable Modification, Imminent Default

Programs, REO, Bankruptcy Chapters 7, 11 & 13, and VA Mortgage Loans.

I have worked with various investors and types of loans: Fannie Mae;

Freddie Mac; Bank of America; GMAC; Countywide; Wells Fargo; Chase;

V.A. ; Mobile Homes; Lot Loans; 2nd loans, and Equity Loans. I have

worked with Government Bureaus Office of Currency Comptroller and

Department of Treasury on Servicers and Mortgage audits. I am

knowledgeable of real estate Financing and Servicing laws. I

communicate well with Real Estate Brokers/Agent; Title companies;

Attorneys; Insurance Companies; Bank Officers and Paralegals. Familiar

with Mortgage documents: Title, Deed and Trust, BPO, Escrow Documents,

Notices of Default and etc. I am well trained with the regulatory

requirements: Regulation B (Equal Credit Opportunity), Home Mortgage

Disclosure Act, Real Estate Settlement Procedures Act, Fair Credit

Reporting Act, Bank Secrecy Act injunction with the USA Patriot Act,

Anti-Money Laundering and Customer Information Program, Right to

Financial Privacy Act and Regulation Z (Truth in Lending Act- TILA). I

would be a great asset and candidate for your company. I want to

continue developing my skills and experience as well as learning new

ones. I'm really looking forward to hearing from you.

Contact this candidate