●Rufus Butler

Professional Summary

●Banking and financial professional with experience working for companies such as PNC, JP Morgan Chase, Bank of America and Wells Fargo.

●Previous FTC.

●Ensured that the mortgage as a whole meets all the mortgage compliance regulations.

●Reviewed loan documentation, exceptions, and files - individually or in aggregate, to determine if programs, processes, and documentation were in compliance with internal company requirements, insurer guidelines, investor requirements, and/or government regulation.

●Ensured compliance with company policies, underwriting guidelines, and lending program requirements.

●Created all the closing documents on behalf of the lender and ensured that the documentation meets government compliance standards.

●Coordinated with underwriters and ensured implementation of services standard.

●Ensured underwriting approval and services levels accuracy were met.

●Proficient in: Microsoft Office Suite (Word, Outlook, PowerPoint and Excel).

Professional Experience

Freedom Mortgage August 2020 - Present

Foreclosure Specialist

●Monitor and manage the foreclosure process for real estate.

●Ensure that all aspects of the foreclosure meet federal, state, and local regulations.

●Prepare foreclosure documents and obtain title and other records required for foreclosure processing.

Bank of America September 2019 – August 2020

Senior Documents Administrator

●Prepare/review documentation in accordance with Bank policies and procedures.

●Facilitate closings, process ASAPs with the client, and ensure lien perfection.

●Work on routine to highly complex documentation as assigned by Market Leader or designee.

●Interface with company vendor’s legal counsel line partners and clients to ensure world-class documentation accuracy.

●Complete primary financial booking, initial loan class documentation, and initial loan funding.

●Maintain primary responsibility for accuracy of documentation and SOR financial data timely delivery.

●Responsible for LMA maintenance requests, working with Branch offices to determine possible loan structures, eligible collateral types, and documentation requirements.

●Responsible for reviewing all LMA loan applicants and supplemental documents for retail and commercial applicants.

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Ditech Financial April 2019 to September 2019

Mortgage Servicing Representative

●Communicated directly with current customers.

●Answered questions regarding payments, property fees, mortgage clauses.

●Maintained escrowed analysis.

●Answered general questions regarding loss mitigation or transferred inquiries to appropriate teams.

PNC August 2015 to November 2015

Loan Processor

●Reviewed and verified borrowers’ income, credit reports, and employment histories.

●Reviewed property appraisals and title insurance information.

●Prepared loan applications for underwriting submittal.

●Ensured compliance with company policies, underwriting guidelines, and lending program requirements.

JP Morgan Chase May 2014 to January 2015

Billing Analyst

●Reviewed and processed all bill types.

●Reconciled billing figures with supporting documentation by ensuring the invoices are complete and accurate.

●Prepared billing packages with supporting documentation and enter billed figures in the billing database.

●Documented the billing database by entering comments and complete follow up tasks on the next plan of action.

●Managed an inventory pipeline and adhere to the service level agreements for the department.

●Met crucial deadlines requested and performed all additional duties / activities assigned by management.

●Served as liaison for the billing department with external groups within the organization.

Plaza Home Mortgage November 2012 to July 2013

Mortgage Processor/Loan Closer

●Completed all the closing paperwork on behalf of the lender to send to the title insurance company or the real estate attorney to complete the closing.

●Created all the closing documents on behalf of the lender and ensured that the documentation meets government compliance standards.

●Ensured that the mortgage as a whole meets all the mortgage compliance regulations.

●Funded the loan and completed the file for sale to a third-party entity.

●Ordered and followed up on 3rd party documents.

●Validated final closing costs, tax figures, email addresses, and scheduled closing dates and times with the assigned Closing Agent.

Wells Fargo January 2012 to April 2012

Mortgage QA Analyst/Auditor

●Developed and applied basic audit skills while performing audits of mortgage servicing activities.

●Identified audit findings and made recommendations to management regarding situational issues that might compromise objectivity and/or independence.

●Reviewed loan documentation, exceptions, and files - individually or in aggregate, to determine if programs, processes, and documentation were in compliance with internal company requirements, insurer guidelines, investor requirements, and/or government regulation.

●Researched, analyzed, and interpreted foreclosure and/or Bankruptcy process/policy questions and departmental procedures.

●Reviewed and analyzed trends, findings, and/or regulatory issues.

●Documented responses to audit findings in a clear and concise format.

●Partnered with attorneys and other department liaisons on more complex items.

PHH Mortgage August 2011 - January 2012

Loan Processor Assistant

●Provided support to Loan Processing team by contacting customers and loan stakeholders to ensure timely communication at key points in the loan process.

●Ordered and followed up on 3rd party documents including; verifications of employment, deposit, credit, rent and mortgages, appraisal reports, credit supplements, title work, subordination agreements to expedite the loan process and meet required closing dates/rate expiration dates.

●Validated final closing costs, tax figures, email addresses, and scheduled closing dates and times with the assigned Closing Agent.

●Prepared the loan for closing by completing the following; aggregate escrow, closing cost worksheet, and verifying the final payoff figure to ensure closing package is accurate.

Bank of America November 2010 to July 2011

Pre-Sale Foreclosure Specialist

●Managed pre-sale foreclosure processes on Prime and Subprime Loans for FHA, VA and Conventional Loan types.

●Managed a full portfolio of time-sensitive loans and ensured that the foreclosure attorney continually expedited the foreclosure process in accordance with allowable timeframe.

●Provided data and documents required by the attorney and addressed exceptions in a timely manner to avoid delays in the foreclosure process.

●Communicated in writing and via the telephone with internal departments, government agencies, external vendors, attorneys, mortgagors, and third-party interests.

Education

Essex College of Business

●Bachelor’s Degree in Business Administration

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