Royce Howard

**** ******** ***. ******, ***** ***09

ad1k1s@r.postjobfree.com

214-***-**** Home 469-***-**** Message

Career Objective

“To use the accumulation of knowledge obtained as an asset in providing wisdom for future growth” Career Work History

**Job Traks (Placement Agency) Marina Del Rey, California August 2022- April 2023 Job Title: Escrow Assistant (Alamo Title)

Duties/Functions

*Prepare Preliminary Settlement Statement for a closing transaction on mortgage loans

*Order payoffs, liens, judgments *Provide customer service for all parties involved in closing

*Provide curative reports *Prepare CPL *Assist Escrow officer in as needed projects to complete closing

*Provide post closing to prepare documents to lender *Make daily deposits for escrows *Receipt Escrow

*Order HOA Resale Certificates *E-Record documents such as Deed and Deed of Trust

**Vylla Title Plano, Texas April 2020 to July 2022 Job Title: Escrow Assistant

Duties/Functions

*Prepare Settlement Statement into Resware software system for parties purchasing/refinancing real estate

*Review title commitments *E-record documents *Write curative reports to client

*Provide customer service to clients, attorneys, government, vendors and internal staff about title issues and resolutions such as liens, judgments, taxes, probates and assessments

**Workway Temporary Agency Dallas, Texas October 2016 to April 2020 Job Title: Escrow Assistant

Duties/Functions

*Review title work on Deed in Lieu of Foreclosure files to insure accuracy such as legal descriptions and titles so the documents can be sent to local county recording *Knowledge about all 50 states and county recording requirements such as additional documents that would be filed with a Deed in Lieu of Foreclosure. (ex: Indiana Sales Form, New Jersey Consideration, Arkansas Tax Declaration, Ohio Affidavit of Facts) *Write curative reports to client for issues to prevent recordings.

*Work with customers, clients, attorneys, government, vendors and internal staff about title issues and resolutions such as liens, judgments, taxes, probates and assessments

*Record deeds thru E-RECORD on-line system

*Review title commitments

Companies worked assignments with: Patten Law Firm, DHI Title, Ursus Holdings

**Stewart Title Coppell, Texas March 2015 to September 2016 Job Title: Post Closing Auditor

Duties/Functions:

*Review title work on Deed in Lieu of Foreclosure files to insure accuracy such as legal descriptions and titles so the documents can be sent to local county recording *Knowledge about all 50 states and county recording requirements such as additional documents that would be filed with a Deed in Lieu of Foreclosure. (ex: Indiana Sales Form, New Jersey Consideration, Arkansas Tax Declaration, Ohio Affidavit of Facts)

*Write curative reports to client for issues to prevent recordings.

*Work with customers, clients, attorneys, government, vendors and internal staff about title issues and resolutions such as liens, judgments, taxes, probates and assessments

*Record deeds thru E-RECORD on-line system

*Review title commitments

**Randstad Temporary Irving, Texas March 2014-February 2015 Title: Customer Service/Claims

Duties/Functions:

*Receive incoming calls from customers reporting claims (auto, home, personal)

*Input report in system to route to adjustor

*Set appointments for customers of a certain agent to go over their current insurance policies and make adjustments accordingly ("Discount Double-Check")

**JP Morgan Chase; Fort Worth, Arlington & Irving, Texas August 2012 to November 2013

Title: Mortgage Banker (A), Closing Contact Center Specialist (B), Customer Service-Single Point of Contact (C), Executive Office Representative (D), Collector III (E)

Duties/Functions (A):

* Receive incoming calls from mortgagors requesting information about Chase refinance Home Affordable Refinance Program (HARP).

*Take complete application as well as explain interest rates, Good Faith estimates, Credit bureau reports, taxes, title policies, and declarations.

*Follow-up or schedule closings on refinance loans.

*Provide support for all departments involved in closing transaction. Duties/Functions (B):

* Handle escalated modification issues from mortgagors (ie: delays, denials, documents, procedures)

* Initiate resolution processes to various departments as necessary (research, supervisor callbacks, escrows, foreclosure, bankruptcy) *Ensure resolution of escalated issue as requested by mortgagor Duties/Functions (C):

* Handle inbound calls from mortgagors who have been denied a loan modification due to various reasons.

* Communicate effectively with mortgagor the specific reasons why modification was denied by the underwriter. Denials range from net present value to not properly executing documents

*Advise mortgagors of remaining options available and give directions on how and what needs to be done. Example: deed in lieu of foreclosure or short sale Duties/Functions (D):

* Handle inbound calls that have escalated to executive level

*Find general solution in a timely manner to issues reported such as modifications, foreclosures, or general complaints

*Interact with all inter-office departments managers/supervisors in foreclosure, bankruptcy, modifications, customer service, etc. to coordinate escalated issues * Interact with government agencies, counseling services, attorneys, etc. in escalated issues to find solutions Duties/Functions (E):

* Manage accounts of mortgagors who are up to 180 past due on their mortgage loan to develop plans and strategies and repayment plans, within company guidelines, to bring account current.

*Implement President Obama's Making Homes Affordable Program for loan modifications which requires obtaining mortgagors financial and ability to repay. * Counsel mortgagors on budgets and life-style changes or if necessary liquidating options including short sales and/or deed-in-lieu of foreclosure.

**Code Compliance Services Dallas, Texas September 2007 to January 2009 Title: Operations Manager

Duties/Functions:

* Assist property owners who have received a code violation from their local city code inspector to insure they bring their property back into compliance with city code ordinance.

* Educating the property owners on the liability they could be faced with for violating such ordinance and coordinating work to be done by a contractor. * Organize neighborhood groups to develop plans for community re-development * Meet with businesses, schools, churches, & community leaders to develop community programs

**Chicago Title Insurance Dallas, Texas November 2005 to August 2007 Title: Commercial Title Assistant

Duties/Functions:

* Work closely with company attorney to review surveys and title policies for potential buyers of commercial real estate.

*Answer attorney objections on various issues concerning issuing title policy. *Works with metes & bounds property surveys.

Reunion Title Insurance Dallas, Texas July 2002 to September 2005 Title: Abstractor/Examiner

Duties/Functions:

* Research for potential purchaser of real estate property, to insure land they wouldbe purchasing, free and clear of issues that would affect or cloud title such as liens, judgments, heirs, etc.

* Research included 6 counties: Dallas, Denton, Collin, Rockwall, Tarrant and Kaufman. Education

Diploma Thomas Jefferson High School – Dallas, Texas Associates in Arts/Sciences- El Centro College- Dallas, Texas El Centro Junior College -

Certificate Real Estate Certification Courses Northlake College- Irving, Texas Hawes School of Real Estate- Arlington, Texas

Software- Microsoft Office and All title and mortgage systems Notary Certificate #134270643 State of Texas

References upon request

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