Merchant Mariner, Customer Service, Computer Tech, Mortgage processor
Resume:
Michael Sherman
***********@*****.***
PROFESSIONAL SUMMARY
A Graduate of Blue Water Maritime School also a qualified candidate with recent Bank of America experience with closing, auditing, and underwriting various mortgage files including FHA, VA, Conventional loans, and ability to successfully review files and processing loan documents to complete application.
Skills
Microsoft Word 2013, Excel 2007, Access 2007, Outlook 2007, Dart, Pinnacle, FHA Connection, File net, LPS, I portal, Fax pro, PCL, Calyx Software, Act Database Software, Encompass Software
Customer Service, Mortgage Closing, Loan Underwriting, Loan Quality Assurance, Insurance, Call Center, Dispatching, Excellent Verbal and Written Communication Skills, Mail Processing, Create and Maintain Various Reports and Documents, Typing (50+ wpm) numeric10,000 key strokes, Data Entry, Filing, Scanning, Ability to Problem Solving and Think Creatively, Well Organized, Ability to Multitask and Adapt to Changing Deadlines
PROFESSIONAL EXPERIENCE
IRON MOUNTAIN Jacksonville FL 09/2016 – 01/02/2017
Prep high security records for imaging
Scan documents into scanner using Cofax
View the documents for errors and make corrections
Package batch for storage.
Coach/Remedy Staffing – Jacksonville Fl Sep 2015 Present
Data entry Clerk
Input Coach products into system for items to be distributed to customers and stores world wide
Use RF scanner to locate item to be placed in location for shipment to stores and packaged for customers.
Train new employees on RF scanner, workflow and schedule and production.
Boost Mobile – Jacksonville, FL Nov 2011 – July 2015
Customer Service/Data Entry
Conduct dealers/agents channel support in real time
Respond to customer issues escalated to Regional level
Interacts with business owners and managers
Assist store personnel, as needed
Track and identify store transaction errors
Provide feedback to stores from daily finance department reports
Reactivate used phones for dealers key in information to update system
Research phone history to protect against reactivating stolen phones
Periodically involved in special projects as requested
Provides additional training to retail store staff
Assist Customer in resolving customer problems
Assists Logistics Specialist in processing shipments to and from regional office
Input customer data information into system for update and new clients
Key in dates, times of potential or current clients to follow up for new or upgrade services.
Bank of America/Rose International - Jacksonville, FL Oct 2008 - June 2011
Home Service Specialist II/ Loan Modification Specialist/ Data entry Post Closer Government Auditor Contractor/
• Process and issue final approval on FHA & VA loans
• Coordinate closings based off of pipeline reports
• Keep loans in Service Level Agreement within 48 hours or less
• Obtain necessary documents conditioned by the underwriter at time of ICD
• Order, send, and receive requests for Verification of Employment, Rent, Mortgage, Payoffs, Credit Supplements, and Deposits, Review and update appraisal, title, flood certification, pay-offs, order or update Home Owners Insurance
• Follow up with 3rd party vendors and receive Appraisals and final compliance inspections
• Follow up with applicants and keep them informed on the status of their loan and request documents from the Borrower that were not provided by their Loan Officer
• Verify borrowers address, REO(real estate owned), employment (VOE), mortgage history (VOM,VOR),A.K.A’s, declarations, HMDA( government monitoring ), Income, Assets, Loan Fees, and proposed payment, Obtain and verify POS documents
• Calculate income
• Submit loan to underwriting and follow up on underwriter’s conditions
• Run the LPD/GSA lists to confirm that all parties on contract are not on blacklist
• Re-run Loan Prospector Work with Loan Officers and third parties to ensure the timely completion of closing, Scheduled and coordinate closings, send loans to closing after final approval is issued
• Specialist of FHA “Federal Housing Association” and VA “Veteran’s Association” consisting of HUD’s, Purchase agreement, name affidavit, gift funds, and 92900a “application addendum”.
• Dart, File net, Government Database, LPS and I portal are a list of databases that work was being done from.
• Clearing conditions and issuing changes to the terms on previously approved loans.
• Responsible for verifying conditions of approval for income/assets documentation. Resolve routine title issues including vesting issues, child support liens judgment liens, mechanic liens and undisclosed liens conveyances; process subordinations; and resolve appraisal disputes.
• Responsibilities consisted of reviewing Mortgage documents sent to us from the Auditors and Resolutions team for reviewing and signing and if additional info was needed we contacted internal and external agents for completion of files.
• Process and issue final approval on FHA & VA loans
• Coordinate closings based off of pipeline reports
• Keep loans in Service Level Agreement within 48 hours or less
• Obtain necessary documents conditioned by the underwriter at time of ICD
• Order, send, and receive requests for Verification of Employment, Rent, Mortgage, Payoffs, Credit Supplements, and Deposits, Review and update appraisal, title, flood certification, pay-offs, order or update Home Owners Insurance
• Follow up with 3rd party vendors and receive Appraisals and final compliance inspections
• Follow up with applicants and keep them informed on the status of their loan and request documents from the Borrower that were not provided by their Loan Officer
• Verify borrowers address, REO (real estate owned), employment (VOE), mortgage history (VOM, VOR), A.K.A’s, declarations, HMDA (government monitoring), Income, Assets, Loan Fees, and proposed payment, Obtain and verify POS documents
• Calculate income
• Submit loan to underwriting and follow up on underwriter’s conditions
• Run the LPD/GSA lists to confirm that all parties on contract are not on blacklist
• Re-run Loan Prospector
• Work with Loan Officers and third parties to ensure the timely completion of closing, Scheduled and coordinate closings, Send loans to closing after final approval is issued
• Auditor and Resolution specialist of FHA “Federal Housing Association” complete mortgage files that consist of the deed, note, signature affidavit, appraisals, HUD’s purchase agreement, refinance and all other documents
• Responsibilities consisted of reviewing of whole mortgage files for completed documents signatures purchase prices and signatures. Once audit has been complete the loan may be insured or send it to a resolution specialist
• Worked, notated, and cleared out of the Microsoft Access government data base. Dart, Pinnacle, FHA connection, File net, MS Access, and MS Excel, are databases also used
Zurich Insurance - Jacksonville, FL November 2003 - November 2007
Data entry Specialist/Business Processor
• Responsible for Plan of Attack sent via email to distribute and schedule work functions for absent employees and who to report to when team leaders or managers aren’t present
• Processed Loss Runs claims due to accidents for insured
• Cancellations of policies for new business agents
• DMV processing of policies for incorrect VIN’s and registrations and for verifications to unregistered motor vehicles
• Scan all documents into the company database under Fax pro, PCL, Doc library and Builders Risk
• Processed Motor carrier filings Workers Comp, Signature Forms, Builders Risk Address Changes, Correction of Miscellaneous Doc, R1 reports, State filings and State CRITS
• Performed Mail sorting, Doc Library, ZDW and Zone indexing and prepping
Washington Mutual/Adecco - Jacksonville, FL January 2003 - December 2004
Loan Processor Asst. Contract
• Assisting Closers by Typing HUDS, adding monthly revenue, loan stacking and helped with surveys, appraisal ordering and title reports
• Helped analyzing bank statements and reviewed for irregular or large deposits
• Enter 1003 application into Pro-V underwriting system. Pull credit report. After loan is sold, enter remaining information from borrower.
• Verify borrowers address, REO (real estate owned), employment (VOE), mortgage history (VOM, VOR), A.K.A’s, declarations, HMDA (government monitoring), Income, Assets, Loan Fees, and proposed payment.
• Set loan program according to qualifier. (Based on Credit) (Stated, conforming, or full doc), work the Debt to income ratio.
• Order appraisal, title, flood certification, pay-offs, order or update Home Owners Insurance.
• Review incoming documents, title, loan fees, Pre-payment penalty, HUD 1, Home owner's insurance.
• Submit loan to underwriting and follow up on underwriter’s conditions, work with Loan Officers and third parties to ensure the timely completion of closing.
• Get “clear to close” on files and fulfill funding conditions.
• If a file was denied, I would prepare denial letter. And make copy for audits.
• Send requested files to Corporate for internal audits.
• Received Mortgages and title polices and other legal documents for incorrect dates, names and verified corrections and errors then documented that into excel database
• Processed dates, times, Titles and Mortgages were received and indexed into Mainframe database
• Processed pre-approval with lender, made sure that the DTI was in compliance and fulfilled required conditions from lender.
• Set up and reviewed appraisals, title work, and home owners insurance.
• Set up closing date and met the closing deadline. Reviewed all file for completeness, accuracy and compliance to insure that all required documents have been obtained.
• Entered loan into the Calyx system, recorded all documents and distributed any fees collected form borrower. Reviewed the pre-HUD and HUD -1
EDUCATION
First Coast High School - Jacksonville, FL
High School Diploma
Advanced Career Training
Attended
Florida Metropolitan University - Jacksonville, FL
Computer Networking Certificate
Computer Science Information
Attended
Certificates and Credentials
Accredited Claims Adjuster
Transportation Work Identification Credentials (TWIC) card, MMC, Basic Training, Vessel Personnel with Designated Security Duties, Security Awareness, Ordinary Seaman, and Wiper.
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