Quality Control Customer Service, Purchase Coordinator, Loan Coordinat

RONESIA M. WATKINS

Grand Prairie, TX *****

972-***-**** Cell

*********@*****.***

Professional Summary:

Business specialist with a Bachelor’s Degree in Business Finance.

Over 10+ years’ experience in mortgage operations, risk management, and auditing include the handling of sensitive financial documentation, gathering data, cash receipts, customer, vendor and investor contact.

Expert knowledge of financial risk assessment in mortgage originations, familiar with various mortgage documents, default, consumer credit, and quality controls.

Detailed-oriented, resourceful organizer with optimum analytical, technical and resolution skills.

Excellent verbal, written and interaction skills with the ability to use persuasive reasoning and logic to obtain desired results.

Self-sufficient, independent professional with emphasis on team success and meeting critical SLA’s.

Technical proficiency in Windows, dBase, Microsoft Office, Access.

Delivery of excellent customer service to branch offices and external customers.

Software Skills:

AS400 iSeries, iPortal, Home Base, Home Saver, LMF, LMP, LAMP, LHIS, SharePoint; Rumba, Novell, DARES, FHA Connection, GSA, LDP, MSP, Income Calculators, URBAN, Stewart, Agent Desktop; SIMD, Black Knight, OMS, OTA, Cenlar, DMI, Pacer, OnBase; as well as other mortgage serving software pertinent to daily operations.

Education:

Bachelor of Science, Business Finance University of Arkansas at Pine Bluff 1998

Professional Experience:

Beal Bank (MGC Mortgage) (Contractor) Plano, TX 04/2016-09/2016

Quality Control Analyst

Conduct quality control reviews on multiple sub-servicer’s to ensure the loans are being serviced according to Federal regulations

Assist with requesting and receiving documents from the sub-servicers for review

Gather and present information to management regarding quality control reviews and related matters

Capital One Services LLC (Contractor) Plano, TX 11/2015-03/2016

Special Loan Analyst

Process various documented loan types

Analyzed and Serviced Arm Loans

Maintain and update the LPS Servicing Software, ensuring system accuracy

Update ARM workstation to reflect any change in interest rate or payment information

Update spreadsheet on any errors found on various loans

Review Collateral documents (Doc View, LPS, Empower)

McGladrey LLP (Contractor) Dallas,Tx 05/2015-07/2015

Risk Analyst Consultant

Conduct onsite collateral reviews, due diligence for loans sold to GNMA

Assist Recontrust with the execution of recertifying loan per GNMA guidelines and requirements

Apply agreed upon procedures identified through Recontrust’s document custodial operations and provide collateral file approval through the emBTrust access

Collateral documents consist of: Promissary Note, Security Instruments, Title policy, Assignments of Mortgage, Modification documents, Consolidated Extension Modification Agreements(CEMAs)

Maintain a QC rate of 99.5%

Xpert Business Consultant (Contractor) Ft.Worth,TX 03/2014-05/2015

Mortgage Analyst

Coordinate with various departments to resolve any inconsistencies in loan data and recommend changes as warranted that will ensure the efficiency and accuracy in reporting of HMDA data

Review loan applications and related documentation gathering during the loan underwriting process to appropriate code for HMDA reporting process

Understanding bank’s lending practices and procedures in order to perform a thorough and accurate comparative loan analysis

Review loan application data and timely issuing of RESPA initial disclosures

Review multiple documents on post closed loans such as 1003, GFE,HUD1

LOAN PROCESSOR

Collect and verify borrower’s information from pre-approval to closing

Contact title companies or attorneys regarding any title

Reviewed and verify documents from Origination (income, assets, mortgage, rent, credit reports, etc.) for completion, accuracy and validity of information.

Meet crucial deadlines and any other duties as needed

BANK OF AMERICA (CONTRACTOR) Dallas, TX 02/2012-01/2014

Quality Assurance Underwriter

Comprehensive and concise knowledge of Investor guidelines, policies and procedures to include FHA/VA Waterfall Treatment, FNMA, FHLMC, e-HUD, DOJ, Appeals, GSE and Non-SGE, as well as many other treasury segments in the National Mortgage Settlement space.

Responsible for executing timely audit controls of underwriter’s decision for modification regarding the borrower’s eligibility for modification and income qualifications and document validity for loans in the government space, while meeting critical SLA’s.

Review the details of all documents for modification submitted by the borrower in order to verify accuracy and to prevent mortgage fraud.

Recognize income documentation in order to assist in calculating all forms acceptable income per investor guidelines and policies.

Understand the method of calculation used by the underwriter in order to determine the borrower’s hardship.

Render a decision within 24 hours while maintaining the fast, fair, and final methodology to support the core values of the organization.

Update system checklist with accuracy and attention to all details to include data validations, remediation, and immediate resolution.

Review guidelines updates to ensure that all decisions reflect changes in policies and procedures.

AMERICAN HOME MORTGAGE, Irving, TX 11/2006-12/2011

Asset Manager

Managing the Marketing and Sales process of REO foreclosed assets

Performing and monitoring the actions necessary to ensure the security, maintain the value and achieve a sales of the asset as rapidly as practical given market conditions

Responsible for reviewing all offers and contracts, issuing counter offers and ensuring sales proceeds in a timely manner

Obtains all required investor and mortgage insurance approvals and documents according to procedures

REO COORDINATOR

Review and monitor daily reports

Assign agents/brokers to REO properties

Determine occupancy status on properties

Refer occupied properties to the eviction department

Order broker price opinions and appraisals to determine value on properties

Support Asset Manager in preparing a Loss Analysis Worksheet and List Property

SENIOR FINAL COLLATERAL ADMINISTRATOR

Review mortgage documentation and all other documents for compliance and regulatory guidelines.

Maintain accurate production records on team members.

Complete research and compile material for management to render recommendations for process and workflow simplifications.

Perform Quality Control Reporting to ensure acceptable performance of staff productivity.

Prioritize daily work flow, special assignments and projects of team members.

Assist Final Collateral Administrator personnel with questions, training and procedures.

Ensure that each team member adheres to compliance and operational risk controls in accordance to company policy and regulatory standards.

Create positive relationship and work directly with closing agents, title companies and internal departments to provide timely solutions to issues.

PEIRSON & PATTERSON, LLP, Dallas, TX 05/2006-11/2006

POST CLOSING PURCHASE SPECIALIST

Responsible for running reports from Funding Log to determine which loans are funded but not yet purchased.

Responsible for all contact with the assigned Investor(s) to obtain “Purchase Advice” or “Purchase Exception Report” on all loans not purchased as listed on the above report within 48 hours shipped date to Investor.

Responsible for all contact with Broker, Correspondent, Document Preparation Staff, Closing/Funding Staff, Title Company and Borrower or Seller to obtain any documentation needed to clear such purchase exceptions.

Responsible for taking action within one hour from receipt of any “Purchase Exception Report”

Responsible for monitoring “Package Received” from Title Company on assigned Investor(s) by contacting Title Companies for delinquent packages.

Responsible for running reports from Funding Log to determine which packages are delinquent.

NB LENDING, Plano, TX 06/2005-05/2006

LOAN CLOSER

Prepare documentation for loan closing.

Process loan information from datatrac system to LSSI system on out of state loans.

Verify state compliance for each loan through the Clayton system.

Review loan documents to ensure rates and fees are correctly disclosed.

CONCORDE ACCEPTANCE CORPORATION, Dallas, TX 02/2003-04/2005

BROKER COMPLIANCE ANALYST

Investigate information in broker packages and review for approval.

Set up branches of the brokers’ corporate offices in company database.

Update broker information in company database.

Send Renewal Forms, Broker Agreements, and addenda to Broker Agreements to brokers.

LOAN PROCESSOR

Provide strong communication and support to underwriters, loan officers and customers.

Contact brokers to obtain and clear conditions stipulated by underwriter, receiving conditions via fax, email and mail room.

Reviewed and verify documents from Origination (income, assets, mortgage, rent, credit reports, etc.) for completion, accuracy and validity of information. Gathering supportive information.

Contacted title companies or attorneys regarding title issues.

DOCUMENT PREPARATION

Prepared documentation for loan closing.

Verified state compliance for each loan.

Reviewed all closing documents and system data to ensure that program, rates and fees are correctly disclosed.

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