Customer Service Project Management
Resume:
EVELYN ALLEN PO BOX ******, IRVING, TX *****
817-***-**** (Phone)
******@***.***
OBJECTIVE:
Proactive, creative and goal-oriented professional with over 15 years of experience in all mortgage origination channels.
EXPERIENCE: NATIONSTAR MORTGAGE, Irving, TX
UNDERWRITER 6/12-Present
Responsible for assessing the risk of a loan and making an approval or decline decision based on the quality of the data in the loan file.
Review and ensure data integrity to confirm the accuracy of automated underwriting findings.
Apply all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan quality.
Analyze and verify the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application.
Interact with processors and mortgage professionals to obtain information from the borrower or to seek clarification about the documents in the file.
Provide strong and clear communication to processors and mortgage professionals regarding documents needed for mortgage loan files to ensure quick turnaround time.
Adhere to all applicable internal NPI policies and procedures, and protect the confidentiality of borrower information.
Received numerous accolades for outstanding monthly production, selected underwriter of the year for 2013.
Proficient with FNMA/FHLMC products.
METLIFE HOME LOANS, A DIV OF METLIFE BANK NA, Irving, TX
PURCHASE AUDITOR, CORRESPONDENT DIVISION 3/09-5/12
Reviewed closed mortgage loan packages submitted by Correspondent Lenders to ensure compliance with MetLife secondary market investor, government insured/guarantor, and regulatory requirements, policies, procedures and product requirements.
Reviewed and ensured data integrity and validated data input by others into multiple systems used to purchase, sell and service loans.
Determined condition items to be satisfied prior to purchase and communicated same to the Correspondent Lender.
Reviewed and cleared conditions received from Correspondent Lenders.
Interacted with customers and staff to coordinate loan review and resolve issues or problems that arose.
Managed heavy pipeline of loans from multiple Correspondent Lenders.
Calculated and imputed critical data necessary to accurately determine the amount of funds to be wired to the Correspondent.
Authorized purchase and/or funding of transactions.
Managed pipeline reports to established turn time and quality standards.
Consistently top monthly producer.
MORTGAGE LOAN SPECIALIST III, RETAIL DIVISION
Responsible for assisting borrowers in the loan process from origination to funding.
Reviewed credit, financial information and disclosures to ensure that customer met the minimum documentation/guidelines.
Calculated income to insure customer met required housing/debt to income ratios.
Reviewed titles, appraisals and state specific requirements for adherence with FNMA/FHLMC
guidelines and regulations.
Followed up with the borrowers regarding loan status.
Restructured loans when needed.
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Cleared conditions for final approval, and prepared commitment letter for borrower.
Scheduled loans for closing, prepared closing instructions and reviewed /approved HUD for closing.
Maintained and followed RESPA guidelines to ensure policies and procedures were followed.
Reviewed and cleared exception reports, and internal and external audits, as required.
Consistently top monthly Producer.
Served as subject matter expert to lower level staff and managers.
Proficient in Conventional and FHA loans.
Proficient with DU and LP.
SAXON HOME MORTGAGE/MORGAN STANLEY, Fort Worth, TX 5/05-3/09
CUSTOMER RETENTION SPECIALIST
Handled high volume modifications, with a conversion rate of 65%.
Recommended to work on the project management for the Fast-Track Modification pilot program, to develop the modification process utilized by the company.
Responsible for processing, underwriting, decision making, and approving new modification files.
Initiated work to develop the process with the Smart Team on new guidelines for modifications, including approving and processing new incoming files for modifications.
Handled relationships with third party vendors and assisted in training.
Met and exceeded monthly and quarterly goals and received numerous accolades for exceptional customer service and performance.
SAXON HOME MORTGAGE/MORGAN STANLEY, Fort Worth, TX
SENIOR RETENTION LOAN OFFICER, RETAIL DIVISION
Call center environment, new loan originations.
Met and exceeded monthly and quarterly goals.
Received numerous accolades for exceptional customer service and performance.
Assisted processors, loan officers and managers to effectively submit and close loans.
Worked on lender programs, as well as FNMA and FHA.
President's Club of Top 10 Loan Officers.
Top 5% of producing loan officers in volume and units.
Top 5% Producing Retention Specialist.
EDUCATION: DEPAUL UNIVERSITY, Chicago, IL
Bachelor of Business Management
WILLIAM RAINEY HARPER COLLEGE, Palatine, IL
Associate of Applied Science in Legal Technology
(Paralegal Degree)
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