Mortgage Analyst

Summary

I'm a subject matter expert in many areas of the mortgage industry and able to provide analysis for business process improvement. I have an extensive diversified mortgage background in Document Reviews, Servicing Analyst, Loss Mitigation, Mortgage Ops Analysis, Quality Assurance, Loan Processing and satisfactorily completing Mortgage Projects for the Top 5 Banks. I collaborate well with others while bringing many effective creative ideas to the table. I’m a highly driven and dedicated individual who’s eager to continue growing. I seek the opportunity where I can utilize my abilities to the utmost potential. I’m very adaptable to new fast changing environments and always look to succeed no matter what the change is. I know the combination of my experience, work ethic, and will to succeed would make me a great asset for your company.

Specialties

Loss Mitigation Risk Analysis

Loan Processing

Audit Compliance

Bankruptcy

Quality Assurance

Servicing Analyst

Foreclosure

Work Experience

NTT Data 07/2014 – Present

Senior Analyst

I audited accounting general ledgers and reviewed mortgage policies and procedures. We also audited loans for compliance accuracy and effectively tied applicable business rules to determine borrower compensation.

I performed various document audits and reviews to determine appropriate applicable business rules.

Engaged in many client meetings to assess and collaborate on various process changes that were instrumental to the success of the project.

Audited over 200,000 accounts that required extensive accounting and compliance analysis.

Trained new hires and effectively coached them on highly effective methods to produce a high number of daily reviews, while maintaining high quality scores.

Capital One Home Loans 04/2013 – 04/2014

Sr. Loan Processor / JR Underwriter

The loans we underwrote were Conventional, HARP, Condominiums, as well as properties that were held for investment that had separate internal guidelines.

We were required to do various types of income verifications such as VVOE, WVOE, CPA Letters, W2’s, and Tax Transcripts. For the self-employed K1’s, Personal and Business Returns with all schedules filed.

We were also responsible for verification of property zones such as, flood zone, wind states to ensure the hazard insurance was acceptable. We also performed title search and verified that no liens were in place and if the loan was in a trust to ensure it was a revocable trust.

This also required appropriate disclosures and re-disclosures of changes in the application process.

NTT Data 10/2011 – 01/2013

Compliance Analyst

Audit compliance errors for the Independent Foreclosure Review process, as part of the OCC consent order.

Identifying bankruptcy dockets, verifying payment history, or current payment status, and identifying potential areas of error or harm through various checklists.

Researching financial statements, loan modification documents, loss mitigation notes, deed, mortgage note, and thorough analysis of payment history.

Calculating Debt to Income ratios (DTI), and effectively tying mortgage guidelines (GSE) with each individual case.

Audited for compliance with FHLMC, FNMA, and FHA.

Quality Assurance Analyst

Performed quality assurance reviews on analysts to ensure proper procedures were met when cases were prepared.

I verified all individual case documents and audited for accuracy in timeline descriptions.

I had very low quality assurance disputes and had really high productions numbers, ranking me consistently in the top 5% out of 80 quality assurance analysts.

GMAC Mortgage 10/2010 - 10/2011

Bankruptcy & Foreclosure Loss Mitigation Analyst

Handling customer escalated calls, and addressing customers concerns with a professional manner, and resolving issues quickly.

Contacting Attorneys, trustees, for clarification on payment amount plus fees in order to reinstate customers.

Clarifying for customers any pending issues with escrow accounts, funds in suspense, and allocating to proper accounts.

Addressed high priority modifications such as HAMP and Proprietary. I verified that all documents were provided to complete applications.

Capital One Auto Finance 10/2008 - 10/2010

Loss Mitigation Specialist

This role consisted of having to follow up with customers on auto loans and assisting them with different options to bring accounts back to current, utilizing extensions or payments plans.

I was a “Go To Person” for other associates when managers weren’t available and assisted in training new associates.

I also participated in a group “Quality Circles” and brought ideas that introduced many features to the database to help minimize company risk.

The features also improved statistics across all loss mitigation departments that improved service, speed, and convenience.

Officebroker.com 12/2007 - 10/2008

Real Estate Sales Consultant

This role required advising clients on the most suitable office space to meet their budgets and educating them on the many formats available to meet the business demands.

The goal was to evaluate the market situation and create competition amongst the office providers to ensure that the client obtained the best available deal.

This position required heavy outbound calling to office providers and clients.

Countrywide Home Loans 11/2004 – 11/2007

Loan Officer – Sales Executive

This position required originating loans and thorough knowledge of underwriting guidelines. This also included educating customers financially on mortgages to ensure the most optimal programs were used fit their goals.

This required a lot of multi-tasking, evaluating credit, verification of documents, making critical, and analytical decisions.

Calculated DTI, LTV, and reviewed appraisals.

Originated Loans for FMAC, FNMA, GNMA, FHA, VA.

Strong ability to take ownership in order to close sales, lock in customers on interest rates, and also establishing new pipelines.

Consistently in top 5% in sales.

Software Skills: MSP, LSS, Black Knight, Empower, Loan Quality Gateway, Lotus Notes, People Soft, Loan-serve (Fiserv), Looking Glass, LPS, Pacer, Titan, AS400, Lombardi, Looking Glass, equator, 24 carat, Indigo, Web-Direct, Share Point, outlook.

Education

University High school 2004

High school diploma / GPA 3.5

References:

Mostafa Setayesh 214-***-****

Blaise Njie 903-***-****

Maria Rivas 469-***-****

Blake Thorndike 469-***-****

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