DOREEN LOPEZ

480-***-****

ad0eq2@r.postjobfree.com

Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Income Evaluation

Problem-Solving

Application Review

Attention to Detail

Customer Relations

Loan File Maintenance

Credit History Review

Automated Underwriting System (AUS)

Underwriting Understanding

Mortgage Processes Knowledge

Foreclosures Experience

Loan Portfolio Monitoring

Product Education

Cash Handling

Oral and Written Comprehension

10-Key Typing

Staff Management

Oracle PeopleSoft

Verbal and Written Communication

Data Entry

Client Interview

Active Listening and Learning

File Organization

Multitasking and Prioritization

Microsoft Office

Decision Making

Customer Service

Time Management

06/2021 to 06/2023

UNION BANK/ US BANK

Tempe, AZ

Mortgage Assistance Specialist

Acting as Single Point of Contact for the bank consumers who have identified as meeting criteria for Mortgage Assistance or Foreclosure Processes

Demonstrate a professional level of competency in all stages of Loss Mitigation or Foreclosure procedures Duties include use of phones, letters and contacting consumers, managing assigned calling queues in accordance with departmental and bank standards

Ensuring that regulatory requirements such as California or Washington are complied with Effectively managing work queues, keeping them to date and appropriately documenting in the systems of record all consumer contact, requests for activity from other business units Next steps in Loss Mitigation or Foreclosure processes Clearly demonstrating an understating of all individual, unit and department performance objectives and partner with the Mortgage Assistance Group and leadership team to achieve the goals Obtain reasons for delinquency and offer alternative solutions to resolve delinquency Demonstrate understanding of time management.

Assessed financial means and desires of each client in order to set up appropriate mortgage packages. Updated client account information and records in company databases. Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action. Located and suggested loan packages that met client needs and priorities. 12/2019 to 12/2020

LOANCARE SERVICE LINK

Tempe, AZ

Loss Mitigation Underwriter

Review the Mortgage Assistance Application to determine the appropriate solution for the consumers delinquency

Decision applications based on investor guidelines Working FHA investor short sales

Calculate borrowers' income and expenses to a high standard of accuracy Manage a caseload of files including all steps necessary from application to modification Accurately and timely update and notate MSP and investor portals as applicable SUMMARY

SKILLS

EXPERIENCE

Answer phone calls and voicemails in a timely manner Mortgage experience in Loss Mitigation, Underwriting, Origination or Servicing Meticulous in attention to detail and accuracy in calculations The ability to multitask in a fast-paced environment with the ability to meet tight deadlines Excellent verbal and written communication skills

Proficient in MS Office Windows, MS Word, MS Excel, MS Outlook Order and review title searches as applicable

Review and implement according to investor, client, insurer guidelines for loan modifications, forbearance and repayment terms, short sales, and deeds in lieu

For short sales, review marketing strategies, listing history, offer activity Handle counter offers in accordance with departmental procedures and investor/insurer/client guidelines Request and follow up on foreclosure holds as necessary Submit loss mitigation requests to investor/client/MI for approval as required Decline files as directed in accordance with departmental procedures as set forth by investor/client/investor

/insurer guidelines and send appropriate denial letter if homeowner does not qualify for a workout option Prepare and send trial period documents, forbearance plan documents, repayment plan agreements, short sale approval and closing letters and decline letters as needed Conducted comprehensive analysis and evaluated risk to control underwriting loss. Verified income of borrower and gathered credit information. Helped clients and attorneys complete short sales. Presented and processed client loan documents and verified comprehension of essential language. Set up debt payment plans based on client credit, income and assets. Approved or denied loan applications and explained reasoning behind decisions. Reviewed credit histories from applicants and determined feasibility of granting requested loans. 12/2018 to 12/2019

LOANCARE SERVICE LINK

Tempe, AZ

Single Point of Contact

Contacted borrowers to assess reasons for default, individual intents and options for resolving issues. Worked with customers to put together plans focused on retaining property ownership. Provided information about different property liquidation options. Managed portfolio to control overall mix of accounts and exposures. Helped clients and attorneys complete short sales. Put together and sent out reinstatement and payoff quotes Built and maintained client relationships through quality, personalized interactions. Entered customer transactions into computers to record transactions and issue computer-generated receipts. Approved or denied loan applications and explained reasoning behind decisions. Located and suggested loan packages that met client needs and priorities. 01/2016 to 07/2018

CENLAR FSB

Tempe, AZ

Loss Mitigation Specialist

Conducted comprehensive analysis and evaluated risk to control underwriting loss. Worked with customers to put together plans focused on retaining property ownership. Managed portfolio to control overall mix of accounts and exposures. Contacted borrowers to assess reasons for default, individual intents and options for resolving issues. Verified income of borrower and gathered credit information. Helped clients and attorneys complete short sales. Presented and processed client loan documents and verified comprehension of essential language. Informed customers of loan application requirements and deadlines. Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility. Reviewed credit histories from applicants and determined feasibility of granting requested loans. 05/2013 to 01/2016

NATIONSTAR MORTGAGE

Chandler, AZ

Loss Mitigation Specialist

Resolves customer delinquency utilizing the most cost effective collections techniques to resolve customer delinquency and work towards a permanent solution

Obtain/receive, review, and submit required documentation to/from investor, insurer and or client for approval Work with internal/external 3rd party vendors, agents, title companies both through written and oral negotiations to mitigate foreclosure and avoid losses

Review and analyze borrower's financial documents such as hardship letters, financial statements, tax returns, bank statements, paystubs, listing contracts, closing costs settlement sheets and credit bureaus Adhere to all state, company and GSE guidelines Notify foreclosure attorney regarding status of loss mitigation activity Maintain extensive knowledge of investor, insurer and client guidelines and timeframes Foreclosure Preventive Effectively managing a delinquent mortgage portfolio Document every call and follow up as needed Customer service, meeting performance goals and deadlines Short sale / Deed in Lieu liquidations / Reinstatements Bankruptcy active and inactive modifications, workouts, Worked with customers to put together plans focused on retaining property ownership. MASTERS IN BUSINESS ADMINISTRATION 01/2011

University of Phoenix, Phoenix, AZ

BACHELOR OF BUSINESS ADMINISTRATION: BUSINESS MANAGEMENT 01/2008 University of Phoenix, Phoenix, AZ

EDUCATION AND TRAINING

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