Customer Service Office

Lydiah W. Mwangi

**** ****** ******

Plano, TX **025

918-***-**** (cell)

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

Objective Highly motivated, result oriented, achieve organizational goals and experienced professional.

Work History

Refinance Mortgage Loan Processor

Digital Federal Credit Union (DCU)

Marlborough, MA 01752

June 13, 2016 – December 30, 2016

Review the Mortgage Loan Estimate report daily for new loans that are not yet disclosed or transferred

Handle refinance loan applications

Reviewing the 1003/application form and updating Mortgagebot LOS as necessary

Finalize Loan Estimate and issue disclosure package to the client via secure email

Review alternative documentation submitted and update LOS accordingly

Upload credit documents to Imageflow, calculate and review income documents

Track contingency date, rate lock expiration date, and closing date

Mark follow up calls in outlook calendar

Transfer complete file to underwriting within 7 calendar days of application

Provide borrower with commitment letter once file is approved and notify client within 48 hours of delivery of approval to review outstanding conditions

Gather all necessary conditions, review and submit to underwriting (send email to underwriter indicating conditions are ready for review)

Conduct weekly pipeline calls with management

Provide borrower with frequent updates throughout the loan process according to Reg B

Clear loan files at least 10 days prior to anticipated closing date

Review pipeline report to ensure all loans are accounted for within the pipeline

Review Equal Credit Opportunity Act (ECOA) report daily for loans that require Notice of Incomplete (NOI) letters or Commitment letters

Ordering Appraisals and title commitments through attorneys, Equity National and Proteck

Registered as a Mortgage Loan Originator (MLO#1506732) with the Nationwide Mortgage Licensing System & Registry (NMLS).

Optimum pipeline size is 20-45 loans with an average of 20 funded loans per month

Accounts Processing

National Grid, Northborough, MA

March 7, 2016 – June 10, 2016

Responsible for completing complex transactions, extensive research, analysis and problem solving to customer issues and concerns

Provided prompt, accurate and professional response to ensure effective customer relations.

Researched and accurately inputted and edited information in CSS.

Successfully perform any Accounts Processing duties including but not limited to complex billing.

Successfully complete the appropriate back office function to ensure a quick and satisfactory response to the customer. Handled emergency outage calls, as needed.

Implementation Coordinator/Document Administrator

Bank of America, NA., Waltham, MA

June 8, 2015 – December 31, 2015

Responsible for performing routine operational duties related to commercial mortgage loans in compliance with the Bank's policies, procedures and related laws and regulations

Assists in the loan application process; originates loan documentation and boards loans and maintaining good customer relations

Identifying trends, issues and making recommendations to improve the underwriting process, products or customer service

Responsible for underwriting the customer's loan amount and making recommendations within personal underwriting authority and ensuring accurate records are maintained at all times.

Maintaining a set of sound policies, procedures and standards which are consistent with the Bank.

Title Specialist

Vendor Resource Management, Mortgage Services

Carrollton, TX

April 4, 2013 – May 8, 2015

Oversight and management of REO title curative production

Managing a relationship with our VA Regional Counsel, various foreclosing attorney firms, various servicers and other national title companies & interacting on a daily basis with the above to resolve simple and complex title issues per the client’s timeline

Daily managing a portfolio of assets located nationwide ensuring messages, tasks, emails and title extensions are updated and responses upon research provided within a 24-hour period

Resolving simple and complex title issues by providing various resolution options

Analyze, evaluate and provide advice on upgrading productivity and procedures

Maintaining current policies and procedures pertaining to both the client and VRM

Custodian of confidential information pertaining to the company and clients

Identifying areas of operational improvement and providing suggestions and solutions

Ensure a high level of internal and external customer service focus

Produces major complex reports for management

Support multiple team members in a fast-paced highly driven environment

Working closely with Operation mangers, Asset Managers, closing specialists and brokers to ensure that there are no title defects that will delay closing; &

Working special projects when assigned and without notice.

Title Examiner/Curative

Fidelity National Title Insurance Company

Plano, TX

March 7, 2013 – March 24, 2013

Examined title, clear deeds, deeds of trust, liens, judgments, easements, and plats/maps to determine ownership, encumbrances, and to verify legal descriptions of property

Analyze chain of title and preparation of reports outlining title-related matters

Prepare property reports and title commitments

Examined title reports from outside abstractors

Title Representative

National Bankruptcy Services

Dallas, TX

November 2012 – February 27, 2013

Worked electronic case monitoring files, logins for proof of claims, amended claims, transfer of claims, payment change notices in accordance with client, company, investor, state, government agency, and Bankruptcy Code guidelines

Responded to routine inquiries from clients, debtors and debtors’ attorneys, vendors and staff regarding internal and external process

Handled special projects as assigned

Promptly determined when attorney action was required.

Title Representative II

NDEX Title Services, LLC

Addison, TX

July 2010 – October 8, 2012

Worked reports daily & vendor systems utilized by various clients

Reviewed and researched title and all relevant documentation in a timely and thorough manner, in accordance with all legal mandates and regulatory guidelines.

Resolved problems related to prior liens, deed in lieu, assignments, legal description issues, chain in discrepancies of title issues as well as missing, incomplete, inaccurate or contradictory information received

Verified collateral packages/title packets that all vital documents were included performed the necessary search to confirm that these were the correct documents

Determined levels of risk pursuant to company practices, policies and state regulations.

Analyze, evaluate and provide advice on productivity and procedures

Handled FHA, VA and Conventional Loans

Monitored, responded and resolved any emails, faxes and telephone calls regarding title related inquiries from foreclosure department.

Trained new hires

Maintained expert and current knowledge of all computer systems utilized by our company and various client vendor systems

Researched external information services familiar with free and paid subscriptions to on-line information services as needed

Notified clients on various title issues associated with their loans and provided resolution options pursued to resolve issues

Custodian of confidential information pertaining to the company and clients

Title examining and searches which included abstract, plats, surveys, analyzing deeds, deeds of trust/mortgages, easements, judgments, tax assessments, probates, divorce decrees, civil suit, federal tax lien, prior liens and bankruptcy notices other applicable instruments affecting title to property

County website online searches

Perusal of documents pertaining to the laws, regulations, policies and directives which govern the operation of loans

Performed additional office duties as instructed

Office Manager

Amtel, LLC, Irving, TX - September 2009 – February 2010

Maintained tax records of the Office & highly confidential matters concerning customer’s information. Provided administrative and clerical support to the Executives of the company

Handled the office petty cash

Was responsible for hiring staff & verifying documents they provide upon hiring and ordering office supplies for the corporate office including all the T-Mobile stores in Texas.

Maintained daily appointments for the Executives as well as handled their travel arrangements.

Title Analyst

Trust Oil & Gas – Mineral Management

Bank of Oklahoma, N.A. Tulsa, OK April 2006 – September, 2009

Reported to the Oil & Gas Administrator was responsible for entering assets & assisted in evaluating and preparing title documents relative to opening and closing of accounts both in Metavante & Petrodata

Performed title searches and examination.

Custodian of confidential information and data

Perusal of documents pertaining to the laws, regulations, policies and directives which govern the operation of loans

Utilized various county/registrar’s website to search for recorded documents

Prepared conveyances such as deeds, oil and gas leases and assignments

Maintained close interdepartmental interaction with Heads of Personal Trust, Trust Operations & Accounting. Interacted with third parties such as oil companies and county authorities Nation wide

Maintained a set of sound policies, procedures, standards and tools which are consistent with the Bank.

Run detailed asset reports, as well analyzed Trust/Agency Agreements, Wills, final decrees

Requested payments for various Registrars and County Clerks offices

Notification of purchasers, operator, tax assessors/collectors and lessees of ownership change

Run income/expense reports, calculated and processed approved final closing fees.

Provided copies of conveyances to beneficiaries for their records as well as execution.

Performed general office duties.

Member of NALTA (National Association of Lease & Title Analysts) & TALTA (Tulsa Association of Lease & Title Analysts)

Education

Bachelor of Science in Criminal Justice Administration with a concentration in Management, University of Phoenix, Dallas, TX graduated in 2014

ALTA’s Land Title Institute with a certificate of completion for course Title 101 (Version 2001) completed on 07/25/2012

Skills

Able to work independently, multi-task and time management conscious

Proficiency with Microsoft Office software, Mortgagebot LOS, Loan Prospectus (LP), various assessors, tax, property websites and Netronline

Ability to meet established deadlines & present a professional image

Recognized as being detail oriented

Excellent computer skills, including various vendor systems; LPS, LSAMS, Sharepoint, Vendorscape, Aacer, AS400, Fortracs, Citrix, LexisNexis, Resware and Lenstar

Strong mathematical and analytical abilities

Strong understanding of complex mortgage issues

Outstanding record of operational and compliance audits

Excellent organizational, analytical, and leadership qualities

Skilled at directing and motivating team members to achieve project goals and objectives

References will be available upon request.

Contact this candidate