Objective:

Experience

Constancia Mercedes

*** ** ******* ****, *** 101 Port Saint Lucie, FL 34986

Phone: 561-***-**** Email: acesau@r.postjobfree.com

Seeking a challenging and rewarding position where personal ability and a commitment to professionalism will be of value.

07/2012 to Digital Risk LLC

present Forensic Loan Review Analyst III

Boca Raton, FL

• Review the subject loan documentation to determine if the subject transaction was approved and closed according to standard underwriting practices.

• Review verifications of employment/income and assets to identify misrepresentation and/or fraud.

• Review origination credit documentation for accuracy and/or discrepancies

• Review origination Preliminary Title Commitments, Title Policies, Purchase Agreement, and Appraisal to determine the borrower information is accurate and the loan closed according to standards guidelines.

• Review audit verifications received to identify any discrepancies with the information utilized at origination for approval

09/2007 Self Employed

to 07/2012 Tax Preparer and Notary Signing Agent Port Saint Lucie, FL

• Assisted clients in tax related questions and other tax issues.

• Provided good client service relating their financial issues and

giving them information related to any changes in the

schedules of payment of tax and tax law.

• Formulated data of clients and analyzed them with the help of

tax information.

• Made reports of the analysis and informed clientele and

submitted them tax documents.

• Reviewed all mortgage and secured loan paperwork prior to

sitting down with the borrowers to make sure that all lender

documents are accurate.

11/2005 Khovnanian American Mortgage

to 06/2007 Underwriter

• Reviewed information on mortgage loan documents to

determine if buyer, property and loan conditions met

establishment of Investors and government standards for loan approval and/or commitment.

• Made recommendation to Account Manager on a Mortgage

Product that will satisfy the borrower expectations.

• Authorized by federal agency to certify that mortgage loan

applicant and property qualified for mortgage insurance

endorsement from federal government.

• Provided prompt, courteous service to all external and internal

customers. Also identified opportunities and recommended

methods to improve customer service and job quality.

07/2001 BBVA Mortgage

to 08/2005 Underwriter

• Reviewed information on mortgage loan documents (Conventional conforming and Non-conforming; FHA and VA Loans) to determine if buyer, property and loan conditions met establishment, Investors and government standards.

•

•

• ProvPPrP

• Provided prompt, courteous service to all external and internal customers. Identified opportunities and recommended methods to improve customer service and job quality.

Reviewed FHA closed loans for delivery to Guaranty Insurance.

Education 01/2011 to present

Bachelor of Business Administration

Major in Accounting and Finance

Florida Atlantic University, Boca Raton, FL

01/2008 to 12/2010

06/1998 to 07/2003

Special Skills Professional

Associate Degrees in Arts

Indian River State College, Port Saint Lucie, FL

Certified Loan Analysts

Mortgage Banking School, San Juan, PR

• Ability to pay attention to the finer details of transactions.

• Excellent organizational skills that helps in the upkeep of

various books of accounts and source documents.

• Ability to analyze data in a critically manner to find out any

discrepancies or misstatements.

• Ability to prioritize and organize functions on daily basis.

• Brilliant coordination skills and ability to work as a team.

Technical

• Proficiency in using MS Word, MS Excel, MS Access and

spreadsheet.

• Know usage of QuickBooks. Able to quickly learn new

software packages.

• Working knowledge of Investors Automatic Underwriting Systems as Zippy, Emits, CLOUT, IDASL, LP, DO and DU.

Communication

Certification

References

Available on request

Strong interpersonal and communication skills. Bi-Lingual Spanish.

• Bookkeeping specialist

• NNA Certified Notary Signing Agent

• HUD certification as a FHA Certified Underwriter and Loan

Examiner

Contact this candidate