Customer Service Real Estate

**/**** ** *******

Sacramento, CA

**/**** ** **/****

Sacramento, CA

THIERRY CHAMBERS

Summary

Enthusiastic Loan Processor who provides excellent customer service throughout the loan origination process. Consistently exceeds expectations.

Highlights

Windows, MSWord, Excel, PowerPoint, Access, Outlook, and Lotus NotesCustomer service-focused

Cash handling expert

Debt and credit management

Bottom Line LoanMaster Loan Servicing

Excellent communicator

Accomplishments

Promoted to Senior Loan Officer after 8 months of employment. Experience

Senior Loan Processor

Golden 1

Assisted senior-level credit officers with complex loan applications. Coordinate and communicate information with Members, Home Loan Advisors, Realtors, Sellers and Vendors for loan transaction matters, including discussions in regards to loan amount, lock process, program options, purchase agreements, and counteroffers.

Coordinate the ordering of all title reports, flood certificates, FHA case numbers, CAVIRS, LDP/GSA and follow up on appraisal orders. Review all documentation received for accuracy and determine if additional research or documentation is required.

Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA and AML laws appropriate to the position. Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines as well as Golden 1's policies and update LOS (Loan Origination System)

Rerun/Update Desktop Underwriter (DU) with all updated calculations, appraised value, available funds prior to final approval submission to underwriting, ensuring both DU and the LOS systems match documentation in file.

Review and evaluate credit documentation for compliance with investor & Golden 1's policies. Prepare and process general correspondence and document exchange updating LOS (Loan Origination System) with all details for complete tracking purposes. Process and Underwrite Home Equity loans and lines in accordance with the HELOC qualification page in LOS as well as G1 guidelines.

Manage pipeline to meet a) G1 service levels including turn times and customer service scores, b) minimum production levels established for position and c) minimum required loan quality. Complete Home Mortgage Disclosure Act (HMDA) information. Maintain and respond to quality control issues.

Acquire and maintain knowledge of FNMA, FHA, G1CU equity products and related investor guidelines. Perform functions in accordance with Golden 1's performance competency standards. Senior Loan Processor

Processor, Pinnacle Capital Mortgage

Assisted senior-level credit officers with complex loan applications. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Function as a liaison between real estate agents, clients, escrow companies and mortgage brokers during the process of a real estate sale and effectively manage the 133 Luna Grande Circle #122, Sacramento, CA 95834 H: 916-***-**** ***************@*****.*** 01/2013 to 03/2013

Sacramento, CA

07/2012 to 01/2013

Rancho Cordova, CA

administrative tasks involved in closing a sale.

Create a time line of important dates for the real estate agent to follow, such as deadlines for loan and inspection contingency removal.

Call or e-mail a reminder to the real estate agent to ensure compliance with the time lines outlined in the real estate purchase agreement Maintain the file to ensure all the mandatory disclosures are completed and sent to the cooperating agent or broker for the clients review and approval as each document returns by mail, fax or e-mail, check for all initials, signatures and dates before marking the disclosures as complete and filing them. Contact the agents and other parties to remind them of missing documents Provide consistent, quality-controlled system to ensure the smooth and efficient management of all relevant steps necessary to close a real estate sale. Monitor and assess the progress of the sale so that important deadlines are met and contingencies are released. Provide a preliminary audit of the file for the managing broker to review. Prep files for docs to insure all files are in compliance. Order all forms of appraisals Review reports of files that have been approved by underwriter for 30 days; if the files have not received prior to funding conditions then I have to contact processor, LO and Broker for status. If they are unable to provide docs within certain time frame I cancel the files and provide a Adverse Action. Review and audit all loan documents; 1008, 1003, SSPL, lock - in agreements, HUD, GFE, miscellaneous disclosures, credit reports, 4506T,Tax Returns, social security authorizations, Flood Certifications, LDP/GSA, NMLS, CPL, Wire Instructions, SSR, VOE, Preliminary Reports, Appraisals(initial and final inspection1004D), Desk Reviews, Asset docs (401K, savings, bonds and retirement statements, tax returns and paystubs). Review and analyze debt over income.

Review guidelines of each program and review borrowers credit and income and see if they can meet the guidelines for an approval.

If they do not meet the guidelines then I need to give them recommendations to meet the guidelines. Provide prompt responses and customer service to vendors and departmental personnel. Analyzed daily accounting, security transactions, and financial reporting activity of company funds for a global investment management organization Performed detailed transaction analysis for financial statements under strict deadlines.

Loan Processor

SBA

Responsible for boarding loans, daily balancing of system and general ledger, callback, and servicing charge off.

Responsible for reviewing loan packages for accuracy and completeness, & verifying deposit funds received. Review and determine collateral as indicated in LOI & Prescreen. Complete Underwriting Tracking Sheet and run due diligence based on structure in LOI. Review due diligence results and identify open items (additional due diligence or request additional information from client).

Order third party reports (appraisal, environmental, prelim, valuations, etc.) Complete Eligibility Checklist and create SBA Application Documents.

Ongoing coordination between RM, Client, Third Parties. Submit and receive collateral reviews from CCO.

Receive and send 4506 Verification Requests.

Work with CCO on special circumstance documentation, closing requirements. Receive Loan File from RM with CAM and all supplemental information received during underwriting. Run additional due diligence as necessary and verify Tax Returns. Contact Applicant for final outstanding information, including required documentation for initial advance. Create Loan Authorization.

Submit file to Note for review and provide narrative on special circumstances Receive review exceptions from Note.

Coordinate with RM and Client to resolve exceptions. Submit file to Note for Documentation and Address ongoing questions generated from Note Dept reviews. Servicing, boarding, and processing of payments.

Auditor/Default Specialist

Bank of America

Process routine transactions, documenting loan history, Responding to customer or other 3rd party inquiries researching and/or preparing documentation, and analyzing requests in accordance with established guidelines to determine appropriate courses of action.

05/2012 to 06/2012

McClellan, CA

02/2008 to 01/2010

Sacramento, CA

December 2013

Sacramento, CA, USA

Supports a portfolio of loans in default, imminent default loans with a focus on loan modifications, document validation, Net Present Value model running, completing second mortgage modifications, executing short sale/ DIL or answering technical foreclosure questions, as well as responsibility for identifying solutions that will improve the account in a timely manner.

Understanding and utilization of appropriate options for borrowers, such as Collections, Repayment plans, Special Forbearance, Modifications, Short Sales, and/or Foreclosure. Order AVMS, BPO's, 2055 Execution of assigned audit activities as it relates to fulfillment of 2nd lien loan modifications; identifying and correcting data used in determining modification eligibility and follow-up on loans to ensure timely resolution within defined SLA; Work closely with business partners on special requests to determine modifications eligibility, providing feedback regarding findings, and meeting required time lines. Research of partial payments on 2nd liens in order to determine appropriate applications of funds. QC and audit loan documents for various types modifications. Participated in review and assessment of accounting and internal control systems as well as identification of key risk areas.

Prepared process narratives and walkthroughs of those processes Demonstrated diligence, a strong work ethic, organizational skills, and leadership skills as a first year senior by completing assignments in time budgeted and developed high quality work as noted in annual performance reviews Created strong client relationships and consistently received positive client feedback.

Title Clearance Rep

Lending processor Servicing,

Review daily reports to ensure completion of assigned duties. Responds to any customer inquiries regarding title clearance issues. Assists and satisfies all Client concerns arising from the business relationship. Collaborates with appropriate departments to resolve all concerns and issues Solves problems with a sense of urgency by recognizing opportunities, understanding issues, gathering information, acting quickly to overcome barriers, reaching a solution and following up on a decision. Acquire documentation as needed from client to insure efficient and accurate title clearance0. Lead Negotiator

Freedom Debt Relief

This position regularly requires attention to detail as well as application of policies and procedures set in place within the negotiations department.

Good judgment, tact, persuasion and the ability to communicate effectively are of primary importance for this position.

Contact originating creditors, collection agencies and out of state attorneys offices in order to negotiate on client's behalf for a reduced settlement on delinquent and/or charged off accounts. Calculate acceptable percentages for settlement according to guidelines set forth by department. Work assigned queue of clients in order to achieve goals and objectives. Review clients banking account to determine funds necessary to complete settlement and payment of company fees.

Gathering and submitting required documentation for approval and payment of accounts. Responsible for transmittal and receipt of various e-faxes to and from enrolled clients' creditors' collection agencies and out of state attorneys offices.

Responsibilities include but not limited to maintaining and creating reports, and various other tasks assigned by direct supervisors.

Education

Natomas High School

References

REFERENCES: Available upon request

Skills

accounting, administrative, attention to detail, banking, bonds, closing, strong interpersonal skills, credit, Client, clients, customer service, Detail-oriented, Documentation, due diligence, e-mail, faxes, fax, filing, financial reporting, financial statements, focus, forms, forth, frame I, funds, general ledger, inspection, investment management, leadership skills, Lotus Notes, managing, Access, Excel, mail, Outlook, PowerPoint, Windows, MSWord, negotiations, organizational skills, performance reviews, personnel, persuasion, policies, processes, progress, project management, quality, real estate, researching, Research, Sales, self-starter, SLA, Tax Returns, time management, underwriter, Underwriting, validation, verbal communication skills, written

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