Rita Beck

Miami, FL

305-***-****

acyqdi@r.postjobfree.com

SKILLS

Proficient in Microsoft Office Suites.

Over 20 years of experience working with mortgage loans; processing, servicing and modifications.

Type 50 wpm.

Excellent Customer Service skills both via telephone and in person.

Speak Spanish.

EMPLOYMENT HISTORY

Miami-Dade Affordable Housing Foundation Inc. April 2015 to November 2016

Loan Servicing/Administrative Assistant

Processed mortgage payments.

Maintained escrow accounts and made escrow account payments for annual taxes and insurance.

Communicated with borrowers and maintained their accounts on the Max Loan software.

Performed background, employment and credit checks of potential, borrowers, buyers and tenants.

Created monthly servicing reports.

Assisted Executive Director in the daily operations of a non-profit foundation.

Prepared construction draw requests for payments to General Contractors.

Maintained accurate files for each property that was under construction.

Composed letters and emails on behalf of the Executive Director.

Handled all incoming and outgoing correspondence.

Express Employment/ Dade County Fed Credit Union January 2014 to June 2014

Mortgage Loan Servicing

Monitored member’s escrow accounts to assure taxes, insurances and PMI were current.

Cut checks and maintained account records of paid escrows.

Processed loan payments.

Prepared payoff quotes for first mortgages and lines of credit.

Processed mortgage loan and line of credit payoffs, closed out loans in the bank’s systems and in the servicing program and prepared the Satisfactions of Mortgage to send to the corresponding county for recording.

Sent recorded Satisfactions of Mortgage along with Good-bye letters to members.

Answered customer service telephone calls from members with payment or escrow questions.

Express Employment/FirstBank Florida October 2013 to January 2014

Residential Lending Mortgage Loan Processor I

Worked closely with Loan Officers preparing Portfolio, NRA and FNMA loans.

Used Easy Lender Mortgage software to process loans and prepare documents.

Prepared and sent disclosures to borrowers and assured compliance dates were met.

Calculated income based on prior 2 years income taxes or CPA letter.

Opened new files and assigned application numbers, maintained log.

Emailed Appraisal Requests and maintained log of appraisals.

Ordered tax transcripts through Data Verify website.

Requested National and International Credit Reports.

Checked files for Fraud, OFAC and BSA compliance.

TransHire/Total Bank May 2013 to October 2013

Residential Lending Mortgage Loan Processor I

Processed NRA and FNMA loans.

Reviewed loans prior to sending forward to the Underwriting Dept.

Entered application information into E3/Harland software.

Worked with bank loan officers and borrowers to gather pending documentation.

Verified income, assets and mortgages.

Performed Q.C. on all loans to assure accuracy.

Ran TruAlert and Lexis Nexis for fraud prevention purposes.

Reviewed disclosures for compliance.

Bank of America Home Loans January 2011 to December 2012

Process Support Specialist/FHA Loan Modifications

Home Servicing Specialist II, FNMA & FHLMC Modifications

Reviewed and prepared FHA Partial Payment, HAMP and Non-HAMP loan modification applications for underwriting review.

Qualified borrowers in imminent default status for Payment Suspensions.

Used online government verification services such as CAIVRS and Neighborhood Watch to review FHA Case Status and verify FHA prior claims, endorsement and origination dates.

As a Home Servicing Specialist II, I reviewed FNMA and FHLMC loans for modification.

Completed Mock Escrow calculations, suspended credit reporting, pulled credit reports, requested foreclosure postponements, reviewed investor guidelines.

The Law Office of Robert Rosenwasser September 2009 to November 2010

Sr. Loan Modification Processor

Calculated income, expenses and reviewed credit to prepare RMA/HAMP applications.

Maintained a schedule of all loans with a foreclosure sale date.

Communicated with foreclosure attorney if the client had a Lis Pendens.

Submitted updated documentation to keep file up-to-date while in review process: bank statements, pay stubs, profit and loss statements and benefit letters.

Called negotiators for modification review status updates every one to two weeks.

Assisted with the development and troubleshooting of internal software to take detailed notes of conversations with clients, lenders or any other party with regards to the loan and meet deadlines for updates and additional documentation.

United Mortgage Investors, Inc. January 2007 to January 2008

Administrative Assistant to Executive Vice President / Sales Support

Assisted EVP with day-to-day operations of office.

Maintained EVP’s appointment and meeting schedule.

Responsible for creating and sending daily marketing flyer to over 5000 clients.

Prepared weekly sales and status reports for the company President.

Reviewed origination loan applications for quality control purposes and government compliance such as HOEPA, Section 32.

Analyzed market data to determine which products were available to our investors.

Input loan information into data base and ensured all information was accurate.

Time Mortgage and Funding Corp. July 1993 to December 2006

Office Manager / Conventional Mortgage Loan Processor

Assisted company President interviewing clients and taking applications and gathering documentation for conventional mortgage loans.

Monitored the rates of various lenders and locked in mortgage loan rates.

Entered loan information into Pointe loan processing software.

Qualified loans using Desktop Underwriting program.

Ordered appraisals, title work, insurance, VOE’s and VOD’s.

Responsible for all human resources, including payroll and insurance issues.

Supervised the productivity of four loan processors and daily operations of the business.

EDUCATION

Sullivan Cogliano Training Centers - June 2008 - December 2008

Microsoft Office Suites 2003 Certification / Word, Outlook, Access, Excel and PowerPoint

Miami-Dade Community College - August 1989 - May 1993

Associate in Science Degree

Office Systems Technology

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