ANNMARIE CHAVIS

***** ******* ***** ** **** *** Bldg. 17 Sunrise FL 33351 PHONE: 954-***-**** EMAIL: acze7m@r.postjobfree.com

A D D R E S S : 10045 Winding Lakes Rd Unit 204 Bldg. 17 Sunrise FL 33351

P H O N E : 954-***-****

E M A I L : acze7m@r.postjobfree.com

P RO F ES S I O NA L S U MMA RY

Detail oriented, efficient and self motivated professional with over 20 years of banking experience. Team player

with excellent communication, interpersonal, and analytical skills. Hard working, customer service driven with

strong organizational skills.

PROFESSIONAL EXPERIENCE

Special Loans Escrow Services Specialist BankUnited 2/11 to Present

Monitor and maintains the PMI Processes for all real estate secured loans. Provide backup assistance to the

Special Loans Analyst I and II.

Request bills and remit payments to various PMI companies either by generating checks or via electronic tape

and wire. Update PMI information on the servicing system and utilize systems generated reports to identify any

PMI open items.

Perform monthly review to ensure Life of Loan Flood contracts exist on all residential mortgage loans and obtain

contracts as needed.

Manage the property claim process according to the department s procedure by applying all claim checks to the

borrowers restricted escrow account and ensure all repairs are complete prior to disbursing of funds. Monitor the

property repair process through completion by ordering property inspections and disbursing funds directly to the

contractors.

Reconcile and remit Optional Insurance and FHA premiums received.

Act as Liaison to department Vendor to ensure the insurance process are performed in compliance with the

Outsourced Processing Agreement by monitoring of the hazard, flood and windstorm policies by utilizing the

system generated reports to tract policy expiration dates. Ensure that all policies possess adequate coverage,

correct property addresses, current coverage and correct mortgage payee clause. Remit payments timely for all

escrow premiums due for hazard, flood and windstorm policies either by generating checks, or mass billings via

wire. Processing of monthly remittance and refunds on all lenders placed policies and maintain system tracking

by contacting the agent when necessary to retrieve bills that are not received and update the servicing system

with current/re zoned flood determination information and process flood disputes.

Waive PMI when applicable as defined according to Investors/Regulatory Requirements and the departments

PMI guidelines and updating the servicing system accordingly and reviews system generated reports to identify

loans with LTV under 80%, and communicates with the customer and/or PMI companies to resolve any issues

involving MI.

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ANNMARIE CHAVIS

10045 Winding Lakes Rd Unit 204 Bldg. 17 Sunrise FL 33351 PHONE: 954-***-**** EMAIL: acze7m@r.postjobfree.com

Loss Mitigation Specialist Eastern financial FL credit union 2/08/ to 12/10

Analyzed at risk or non performing loans submitted by the Collections department to apply an appropriate loan

workout/restructure plan in order to mitigate loan losses. Reviewed borrower financial information and workout

alternatives to determine best workout solution. Proficient in processing Fannie Mae, Freddie Mac & Federal

Home Loans modifications.

Created in depth review to assess non performing loans and match those loans with the most viable workout or

restructuring option available using their knowledge of credit risk analysis and financial statement analysis.

Maintained contact with borrower to collect data to be used for loan analysis. Monitored the loss mitigation

workout process through its completion, including borrower follow up.

Prepared and presented loan workout proposals for management or next level review and approval.

Negotiated repayment plans and workout options in order to bring and maintain member to a current status.

Advised members of importance in complying with payment arrangements and any modifications or new loan

conditions.

Requested and analyzed property inspections. Provided investors with updated information relating to the

inspections.

Suggested workflow modifications to improve efficiencies or to make changes to lending policies and procedures

when appropriate.

Contacted members with delinquent mortgages to present options that will prevent foreclosure based on investor

and PMI requirements/guidelines.

Serviced assigned REO properties by scheduling Facilities to inspect and clean property, obtaining and reviewing

market pricing information, and tracking the property through the pipeline.

Reviewed REO and Short Sale HUD1 documents to ensure that the company s interests are protected.

Provided recommendations to management for the pricing and settlement of REOs and Short Sales. Worked with

Real Estate Agents and Closing Agents to maximize sales price, keep expenses to a minimum, and facilitate a

rapid sale of the REO property.

Serviced Short Sale requests within designated time frame, negotiating repayment agreements and completing

various legal documents as needed.

Supervisor Loan Servicing 10/05 to 02/08

Assumed responsibility for supervising the day to day operations of the following department functions: payment

processing, credit card file maintenance, Titling front and back end, Loan Servicing research.

Supervised the daily activities of the Consumer Loan unit and coordinated activities of unit to ensure efficient

operation of the area.

Ensured liens are placed on vehicles within 45 days after the loan funds using all means to ensure that EFFCU s

lien is secured, Titling front and back end, Loan Servicing research, Forced placed charges and refund

insurance, and the mail clerk daily functions.

Prepared quarterly reporting to the Department of Education on student loans.

Performed System Enhancement Testing.

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ANNMARIE CHAVIS

10045 Winding Lakes Rd Unit 204 Bldg. 17 Sunrise FL 33351 PHONE: 954-***-**** EMAIL: acze7m@r.postjobfree.com

Responsible for Weekly and month end reports to management.

Participated in training department staff. Monitored new employee s progress and recommended a further

training.

Exercised the usual authority of a supervisor concerning staffing, performance appraisals, salary

recommendations, promotions and terminations.

Responsible for the efficient operation of the payment processing area, research, lien releases, credit card file

maintenance and department of education quarterly reporting.

Unit Leader Sr. Loan Servicing Administrative Clerk 2/89 to 10/05

Supervised the daily activity of (8) full time staff members in the area of payment processing, escrow analysis,

loan satisfaction, automobile title processing and MI processing and follow up with the daily activities of the unit

to ensure efficient operation of the area.

Assisted staff in resolving problems which arise on a daily basis.

Kept supervisor aware of unit s activities.

Handled department request for detail research.

Processed the Modification/Conversion of mortgage loans.

Handled the past employee loans for rate and payment adjustments.

Processed Collision Insurance Charges and Refunds

Handled all incoming calls for the department giving rates and general information on credit union products and

distribute daily reports to various departments.

Processed PMI request for cancellation.

Posted charge off collection accounts (Master card. Visa, Savings and checking account

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A N N M A R I E C H AV I S

E D U C AT I O N

Bachelor of Arts in Criminal Justice 1988 University of Florida Gainesville, FL

Miami Springs Senior Graduation June of 1980

TECHNICAL SKILS

Windows 2010, Microsoft word, excel, Miser2, FDR (Card Services) Midanet and Black Knight

REFERENCES

Available upon Request

Contact this candidate