Blackwolf Run Lane Raleigh, NC ***** 704-***-**** aczuy8@r.postjobfree.com

Yolanda Harris

My objective is to obtain a stable position that will allow me to develop and excel skills related to the position. I am a friendly, loyal and clearly dedicated individual who has an ambition to succeed in any environment. Although I have extensive experience in the customer service and mortgage industry I love and am always up for a challenge. I get along and work well with others, while also efficiently working on my own. I have been sworn in as an officer of the court for the Mecklenburg County Courthouse Guardian Ad Litem Program. In my spare time I am the voice for abused/neglected kids that have been taken from their parents and placed in foster care. I am responsible for completing home/school visits and working closely with the court system to determine if a child returns home or is placed for adoption. I am the child's voice during various court hearings.

WORK EXPERIENCE

HCL

Underwriter/Financial Advisor C ary, NC 12/2016 to Present

• Responsible for underwriting auto loans..

• Accurately calculate income/assets in order to decision auto loan requests.

• Effectively communicates with Member Service representatives to gather necessary documents to provide a decision.

• Culpable for ensuring regulations and directives are being followed while providing stellar service to USAA's members.

• Duties also include making sure there are enough assets and reserves to close the loans. Ensure all of the systems accurate and run AUS/DU to strive for an Accept.

• Aggressively research and exhaust all options afforded to members and offering counter-offers when necessary. Movement Mortgage

Mortgage Loan Processor I ndian Land, SC 5/2016-8/2016 Responsible for processing loans thru U/W after their scrub of the file.

• I am in charge of ordering titles, HOI, HOA (if necessary), and making any corrections needed.

• Effectively communicates with the borrowers, loan officers, title and HOI companies as well as the loan officer in order to complete the application.

• My job requires comparing fees and update system accordingly.

• Duties also include making sure there are enough assets and reserves to close the loans. Make sure all of the systems are up to date and re-AUS/DU to strive for an Accept before sending it back to the U/W for the clear to close.

North State Bank

Mortgage Loan Processor R aleigh, NC 5/2015-12/15/2016 Accountable for accurately processing both purchase and refinance loans for specialized lending groups.

* Responsible for calculating income; sourcing deposits and asset analysis to determine program eligibility.

* Ability to effectively work with underwriters, loan officers, builders, and borrowers in order to obtain documents; verify information.

* Effectively able to resolve and recognize title/subordination issues including but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens etc.

* Primary job is to obtain all necessary documents from borrower in order to work loan up to pass to underwriter for the initial credit position. The senior processor's position includes but is not limited to being the liaison between the borrower and all mortgage parties to close the transaction as expeditiously and smoothly as possible in order to create the best mortgage experience for the clients. SunTrust Home

Mortgage Loan Processor III Rockville, MD 12/2014-5//2015 Culpable for accurately processing both purchase and refinance loans.

* Responsible for detailed income and asset analysis to determine program eligibility.

* Ability to effectively work with underwriters, loan officers, builders, and borrowers even in times of having to advise of denials.

* Effectively able to resolve and recognize title/subordination issues including but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens etc.

* Accountable for training new hires or less tenured processors.

* Primary job is to obtain all necessary documents from borrower in order to work loan up to pass to underwriter for the initial credit position. The senior processor's position includes but is not limited to being the liaison between the borrower and all mortgage parties to close the transaction as expeditiously and smoothly as possible. Bank of America

Home Service Specialist II Charlotte, NC 8/2012-10//2014

* Successfully meet conditions within my SASE 1 Signing authority limits.

* Responsible for calculating income in order to complete income analysis.

* Efficient in processing CEMA loans; ordering assignments thru CEMA website; thorough knowledge of CEMA and collateral docs to determine eligibility. Process Conventional Conforming and Non-Conforming loans approved by an Underwriter or an automated decisioning system within designated signing authority limits.

* Effectively able to resolve and recognize title/subordination issues including but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens etc.

* Responsible for review and updates of both personal and company asset statements for approved funds. Accenture Credit Services

Process Support/POC Charlotte, NC 2/2012-6/2012

Responsible for maintaining a workflow queue utilizing various systems while meeting or exceeding required production goals.

* Tasks included working knowledge of full loss mitigation process within multiple investors.

* Consistently completed learning required courses to enhance job profile.

* Efficiently maintained & updated workflow spreadsheet to allow loans to move effectively thru modification process.

* Serve as point of contact for current team, which consist of working closely with team lead to produce strong effective team.

Wells Fargo

Mediations Underwriter Fort Mill, SC 1/2009-1/2012

* FCDAP Mediations Foreclosure Diversion Assistance Program assisted our in-house counsel and opposing counsel alongside of a mediator or judge to try to come to an amicable resolution and prevent further litigation and mitigate a homeowner's delinquency.

* Knowledge of underwriting procedures, creditor financial analysis techniques, investor requirements and possess a high degree of attention to detail.

* Travel 50% of work schedule to various states representing Wells Fargo in foreclosure cases, mediations, bad faith hearings, depositions working closely with attorneys, borrowers, judges, mediators and/or court clerks.

* Responsible for booking travel and maintaining and updating expense reports for mediations department.

* Collaborate with investors, PMI companies, NIMS insurers' attorneys, and customers to negotiate a common ground to help bring delinquent loans current before foreclosure in ASC, HSC, FHLMC, FHA, FHA-WO, FNMA, and Dual Lien retention loans.

* Very knowledgeable in reading and comprehending trust and servicing agreements.

* Strong attention to detail while working under minimal supervision and strict guidelines; delegated to draw settlement agreements while adhering to the law; treasury and investor specific guidelines.

* Proven ability to read and comprehend court notes in order to diligently access expectations to prepare for future hearings.

* HAMP SME for the mediations team to assist project management teams and implementation consultants as a part of a department process re-engineering process EDUCATION

Diploma in Academic

Beddingfield High School

Wilson, NC

September 1990 to June 1994

SKILLS:

Microsoft Word; Excel; PowerPoint; Calyx; Encompass13,000+KPH; Concur Travel Site; AS400, DAP, MCC, FNMA; FHLMC; USDA NC Housing etc.

References upon Request

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