Manager Management

Keith L. Franklin

972-***-**** ***************@*****.***

**** ********* ****, ** ***** TX 76133

CAREER OBJECT I V RE

Assistant Vice President/Mortgage Operations Manager,

GSE Investor Reporting Manager, Compliance Manager,

Loss Mitigation/Fulfillment Manager

CAREER PROF I LE

A nalytic and commit ted professional with 11 years of underwriting experience with In depth

k nowledge of LPS, DU and Fidelity. For conventional and loan modification underwriting purposes,

k nowledge of FHA, FNMA and FHLMC Loan modification guidelines as well as manual income

calculation as needed to contribute to the effective operation of the loan modification department

Professional Profile

FHA FNMA,FHLC,USDA Modification Underwriting

Income Calculation and Review

Loan Default Analysis

Gov’t Compliance review

GSE Investor Reporting

Mortgage Remediation

Loan Risk Analysis

LPS, DU, MSP Fidelity /AS400 System Maintenance

Loan Document Review

Work History

JP Morgan Chase AVP Default M anager Coppell, TX • 2011 – 2013

Review REO and GSE Bankruptcy files for loss mitigation, Remediation, and loan modification

qualification. Prepared Adequate Protection orders Approved, and negotiated bankruptcy cram

downs with internal and outside legal counsel. Conducted portfolio and profitability analyses and

p rocessed annual loan reviews and workout

• Reviewed all loan documents to perform final underwrite review for loan

modification

• Assisted in the Development of Action plans with CAS management for

call campaigns and system log codes to be used to identify loans that need

CAS review and borrower contact.

• Assist Investor accounting in resolving FHLMC, FNMA, VA and other GSE

month end reporting issues.

JP Morgan Chase Loss M i tigation Manager Lewisville, TX • 2009 -

2011

Reviewed escalated default mortgages for loan modification products,

engaged in remediation discussions of defaulted loans; assigned daily task

to team members

• Processed Applications for Loan Modifications and performed initial

workout analysis and initiated t rial modifications on all GSE accounts for

approved borrowers

• Under wrote final loan modifications for GSE and non GSE loans, as well

as sent out final modification packages to homeowners.

• .Create action plan and provide information on system maintenance

p rocedure and process breaks within Underwriting and Fulfillment

• Assist Investor accounting in resolving FHLMC, FNMA, VA and other GSE

month end reporting issues.

J P Morgan Chase Operation Specialist Lewisville, TX • 2007 -

2009

Reviewed escalated default mortgages for loan modification products,

engaged in remediation of payment deferment, forbearance plan, and fee

waivers.

• Research and resolve complex and highly escalated mortgage underwriting

issues for senior management and above

• Provide detailed t imelines on loans with modifications breaks that prevent

system maintenance from taking place

• Provide updates to loan modification procedure and process breaks within

t he loss mitigation department

• Propose resolutions to process break to management

B ank of America / Adecco Mo rtgage Underw ri ter, Dallas TX •

2006 – 2007

Set and Cleared Underwriting conditions based on borrower credit

worthiness, income and status of the original loan file received.

• Verified and calculated borrower income assets and collateral while

communicating with Client managers, Brokers and Borrower as to what

was needed to meet underwriting funding conditions.

• Under wrote FHA, VA and Conventional Loans

• Communicated with Client managers, Brokers and Borrower as to what

was needed to meet underwriting funding conditions.

• Trained new personnel

F i rst American T itle, Cu rative / Closer Dallas TX • 2005 – 2006

Reviewed and prepared closing documents per lender instructions,

scheduled closings with attorneys, Title Company and borrowers as well as

reviewed and created Hud-1 statements for closing

Prepared Estimated and Final Hud-1 statements per lender instructions.

Reviewed loan documents for completeness and accuracy

Scheduled closings and assigned notaries and attorneys to perform closing.

Explained H UD pre-paid and financed charges to borrowers prior to closing.

Calculated and collected property tax if needed as well as determined if the borrowers

were having the taxes escrowed.

• Prepared closing packets with loan documents, tax certification, property

legal description and Final HUD-1 Statement

Education Bachelors of Business Administration

M ajor: Finance

Concordia College

1201 Orange Street

Wilmington, Delaware 19801

October 21, 2010

Certification Mortgage Underwri ting Certificate

Mortgage Bankers Association

1919 M Street 5th floor

Washington DC 20036

April 1, 2003

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