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Customer Service Administrative Assistant

California, United States
January 04, 2017

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Bruce Edward Kenoly

Summary of Qualification

** ***** ** ******** *******; Loan Closing, Title Review, Underwriting (completing full cycle of loan process) with an extensive wide range of experience with thorough knowledge of RESPA, Fannie Mae, Freddie Mack, HUD, TRID, CDs, FNMA, FHLMC, FHA, and VA. BS Business Management, High School Graduate.

Professional Experience

Stonegate Mortgage, Lake Forest, California Oct. 2015 – Mar. 2016


•Examine loan documentation to ensure accuracy and completeness

•Analyze the risk of a loan transaction and provide justification and compensation factors to support loan decision

•Review LTV, credit report, applications, etc. to ensure that each loan meets company standards for sale into secondary market

•Evaluate income documentation to determine acceptable risk of an applicant based on analysis of W2's pay stubs, personal and business tax returns

•Packaged Commercial Real Estate documents by contacting parties outside the department, including borrowers, lenders, Senior Credit Executives, and vendors as required to secure required information.

•Input missing or incomplete documents into the PC-based deficiency tracking system.

•Ensure that all collateral items are correct and complete and that all issues have been addressed. Prepare documents, letters and memos.

•Forward executed documents to outside agencies for recording or filing as appropriate.

•Determine level of qualification for a loan applicant and render decision based on applicants ability to repay

•Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation

•Ensure that validation of AUS information is accurate and finalize credit risk decision within engine

•Input all required information into Harland E3 system

•Perform all processes necessary to review loan within the SGM – Imaging file storage system

•Perform Fraud review with relation to Interthinx Fraud Guard generated reports

•Perform Early Check DU function to check loan parameters of 1003 export against DU findings

•Complete loan lock reconciliation process in order to ensure that loan parameters meet all lock requirements and all data matches per data integrity requirements

•Order Mortgage Insurance, as applicable, via the E3 interface connection

•Sign and execute all documentation necessary to complete the underwriting of a loan file to forward to the closing department

•Record loan rejections, specifying investor and institution guidelines and basis for declining application, to include

mortgage Advisor notification and compliance HMDA reporting

•Manage all daily conditions due within the OLIE system, keeping to service level agreements for turn times

•Communicate with Underwriting Team Lead to advise of any sales processing issues

•Maintain excellent customer service skills constantly attempting to enhance the customer service experience with all internal and external customers

•Provide timely responses to all voicemail and email communications

•Perform all other duties as requested or assigned

Employed Security Service Center, Inc. Feb 2013 - Present

Security Officer II

Promontory Financial Group, Irvine, California Dec 2011 - Jan 2013

Underwriter Administrative Assistant

•Analyze and record all incoming documents for compliance and loan eligibility.

•Verify and validate supporting income, assets and liabilities.

• Reviewed Collateral Maintenance Functions of AFS or other reports, taking action to maintain Bank's position with respect to collateral.

• Maintain PC-based Documentation Deficiency system, updating and deleting information, producing and distributing reports.

•Performed a variety of operational tasks for a moderately complex to complex process or functions.

•Provided accountability for entire process from receipt of account to resolution and closure.

Mt San Antonio Community College, Walnut, California Feb 2011 - May 2011

Certified Alcohol and Drug Counselor

JP Morgan & Chase, Chatsworth, California Mar 2009 - Nov 2010

Underwriter Administrative Assistant

•Functions include: processing; closing and compliance for loan products such as modifications and short sales; interpreting policies while analyzing applicants, property, financial status, hardships, ordering all required verifications, documentation and subsequent follow ups.

•Mortgage servicing Short Sales, Foreclosures, Forbearances, Collections, Loan Modification, Repayments and Deed-in-Lieu etc.

•Coordinated with functional and technology teams on the production break-fix Issues within the portfolio and performing review and analysis of Functional Design Specification and Technical Design Specifications.

•Analyze and record all incoming documents for compliance and loan eligibility.

•Verify and validate supporting income, assets and liabilities.

•Review and verify credit reports.

•Maintain open communication with customers, real estate brokers and loan officers to; ensure proper and timely processing and submission of mortgage applications.

•Input and/or update mortgage applications.

•Send and follow-up on verifications to employers, banks, creditors, etc.

•Provide status reports on each mortgage indicating process to the loan officers.

•Trained new employees on underwriting, reviewing closed loans, performed risk analysis and make decisions regarding deficiencies identified during the review process; Loss Mitigation, FHA, HAMP, and Foreclosure processing.

Bank of America, Los Angeles, California Oct 2007 - Nov 2008

Administrative Assistant

•Provided general administrative support to a team of professionals while demonstrating and exercising considerable discretion and judgment.

•Analyzed information and determining trends. Coordinate special projects that required extensive research to complete daily work tasks.

•Compiled information into routine administrative reports.

•Composed and prepared reports, correspondence and memos.


University of Phoenix, Pasadena, California Jan 2005 - Oct 2008

Bachelor of Science in Business Management

High School Graduate

Additional Information

•Skills: Underwriting, Originations, Loan Processor, Administrative Assistant, Collections, Customer Service, FAFSA Counselor, Heavy Phones, Mortgage Service, LENSTAR,SCAPE, SHARE POINT, LPS, MSP AS400, 10-KEY, Microsoft Office Suite, Class A Driver’s License: TX

•Coached Pop Warner Football for Pasadena Panther and Trojan football (2004-2009).

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