Customer Service Sales Representative

MarQueta Avant-Holmes

Mortgage Processor

Carrollton, TX

*******@*****.*** - 214-***-****

Authorized to work in the US for any employer

WORK EXPERIENCE

Notary Public

Self Employed - Dallas, TX - June 2015 to Present

My responsibilities are

to serve the public as an impartial witness in performing a variety of official fraud-deterrent acts related to the signing of important documents.

Closer-Contractor

Fannie Mae - Dallas, TX - May 2015 to November 2015 Responsibilities :

Review HUD/DEED/WAVIERS for quality assurance.

• Evaluates and recommends insurance options for clients.

• Consistently available for client inquiries, as well as responds to client requests in a timely

• Maintains an awareness of all client service issues.

• Verify the cash to seller is the correct amount.

• Instigates meetings or telephone contact with clients to proactively address issues and explores opportunities to enhance services currently provided.

• Work closely with vendors, realtors and sales representative to ensure each closing is funded on time. Maintaining an average of 120-100% of my monthly goals. Mortgage Processor

USAA Federal Savings Bank - Addison, TX - November 2012 to March 2015 Making available service to members. Expertise in processing mortgage loans and obtaining initial level of conventional, Jumbo,Conventional,FHA, and VA mortgage lending authority. Meeting the terms with all bank, investor and regulatory requirements. Assessing and processing loans on a national basis from point of application through final loan decision.

RESPONSIBILITIES:

Maintains knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers. Maintains and updates loan application information within loan origination software and other applications. As applicable, orders appraisals, title, survey, verifications, and any other items required for loan approval; conducts regular follow-ups with outside sources regarding outstanding documents. Verifies 1003 data collected, analyzes, and decides whether it meets guidelines or if other documentation is needed; documents communication through the conversation log; ensures loan application is in compliance with underwriting, investor, RESPA, and HMDA guidelines. Calculates income, reviews assets and liabilities verify (LTV) loan to value. Reviews disclosures for completeness and compliance. Completes final evaluation and analysis of completed application packages and submits eligible files specifying any applicable conditions to underwriting for approval. Monitors rate lock information for data integrity and expiration dates; communicates discrepancies to the Loan Officer, Realtors and Title Companies.

May maintain accurate pipeline of 45-50 loans to ensure proper projections, closings, and regulatory compliance with Company, Federal, and State standards. May prepare, when applicable, "Declination Letters." Ensures accurate disclosure of the reason(s) for the adverse action as soon as it is determined that applicants do not qualify. May schedule closing appointments with respective parties (i.e. title companies, closing attorneys, corporate closing department and customers etc.) Meets customer service standards as outlined by management. Updates loan officer, loan officer assistant, realtors, builders and customers on loan status. Maintains communication with customers throughout the loan process, assisting them with any questions and notifying them of any additional requirements.

Maintains a professional image and adheres to standards consistent with company policies and procedures. Demonstrates exceptional customer service and operates as an effective partner with clients to include, but not limited.

Processor Support

Stewart Title Company - Coppell, TX - March 2012 to October 2012 Supports The Servicing of Mortgage Loans, Serving as liaison between borrower and inside operations Staff. Reviews Title Reports, Payoffs, Appraisals, Income Documents, Hazard Insurance

* Manage broker status and account manager/loan consultant pipeline

* Monitor Loan Calendar And Reminds Broker Of Cutoff Dates Accordingly

* Reviews Hud-1 Settlement statement for accuracy

HomeOwner Support - Loss Mitigation Specialist I

Citi Mortgage - Irving, TX - July 1999 to August 2011 Contact debtors regarding status of account and fees past due, determine debtor's financial ability to offer alternative payment programs and methods. Perform skip tracking to locate debtors with incorrect contact information. Worked In compliance to Federal consumer privacy Laws and company procedures. Coordinate with legal departments to compile all bankruptcy claims and maintain logs of all correspondence with customers and provide all required information on loans and titles.

* Prepare assignment reports on monthly basis for all credit card accounts and collection agency and * Analyze collection processes to recommend responsible for the development and execution of a wide range of editorial and/or technical writing projects for external and internal audiences.

* Assist customers in making payment arrangements using urgent methods. Educating customers on maintain timely payments arrangements to prevent delinquency of accounts.

* Planned, developed, implemented and edit writing projects such as user manuals, installation manuals, training manuals, ''help'' documents and tutorials. Items Processor

Chase Bank - Dallas, TX - May 1997 to July 1999

Responsible for balancing items received in transit department for item processing. Worked in a team environment, preparing items for imaging process. Verify and Research missing items, process and receive journal entries for the following shift.

* Process business and personal checks

* Research missing checks

* Bundle the items for transport

EDUCATION

High School For Health Professionals - Dallas, TX

1992

SKILLS

Negotiation (7 years), Customer Service Skills (10+ years), Problem Solving (10+ years), Listening (10+ years), Analytical (10+ years), Motivated (10+ years), Windows 8 (3 years), Computer Skills (10+ years), Conflict Resolution (7 years)

ADDITIONAL INFORMATION

Key Skills

- Excellent organizational and interpersonal skills

- Ability to establish good relationship with bankruptcy and foreclosure attorneys

- Proficient in mortgage insurance coverage

- Cross-train staff on collection process and procedures

- Knowledgeable of federal, state, & third party disclosures guidelines (FDCPA)

- Teambuilding & staff supervision

- Ability to supervise teams, improve workflow, accuracy and efficiency

Contact this candidate