Kelvin Davis

Professional Summary:

Ambitious Commercial Loan Specialist with an excellent skill level of reviewing PPP loan forgiveness requests.

Performs thorough review of all documents received from Lender & perform calculations per SBA guidelines to ensure correct recommendation for approval, partial approval or denial.

Professional Experience:

Small Business Administration 1/4/2021 - Present

Commercial Loan Specialist

Review documents provided by Lender from Borrower to determine Payroll Protection Loan forgiveness.

Ensure that the 2483 Loan application, 3508 (EZ), Note & Transcript of account documents are included, complete & correct.

Request missing documents/financial information from Lender via PPP Portal, Email & Google Phone.

Determine if Payroll Protection loan funds were utilized for payroll via review of Tax documents, payroll & employee count via SBA guidelines & calculations.

Perform R1 and R3 level reviews of forgiveness requests, provide findings and forward completed reviewed files for recommended approval, partial approval or denial via PPP platform database.

Perform R2 approval reviews sent from reviewers via PPP platform Database per SBA guidelines for decisioning of approval, partial approval or denial.

Record all completed work via SBA tracker & email to management daily.

Mr. Cooper Mortgage 6/2018-12/2020

Reporting Analyst II

Worked in conjunction with Mr. Copper business units to gather information to create process diagrams via IBM Blueworks system to identify process gaps & streamline department processes.

Recorded meeting minutes during business unit meetings, produce meeting minute document via template and email to meeting participants and management.

Performed documents gathering of department policy & procedures via MRC Archer database and email request to designated department contacts.

Conducted case study research of mortgage loans (i.e. customer payment verification, process step completion audit & possible automation research) per department via SQL Server 2016 (SSMS), LSAMS, LPS, and Remedy databases.

Entered gathered department data into IBM Blueworks to develop Process Diagrams.

Saved all meeting minutes, gathered documents and screen prints of processes via Department Shared Drive.

Fannie Mae (Contract) 6/2017-6/2018

Loan Servicing Specialist / Project Manager

Prepared monthly Consecutive Monthly Delinquency Servicing Exception reports for assigned Servicers via monthly updated exception reports in Fannie Mae Connect Database.

Audited borrower’s delinquent pay history to recommend specific loan modifications or to be referred for foreclosure.

Reviewed exceptions via DARTS database and make recommendations with Servicer to update/clear delinquent exceptions per findings.

Prepared and email meeting requests with attached monthly exception reports to Servicers via MS Outlook scheduling assistant to discuss reports.

Performed monthly servicing calls with servicers to discuss/provide delinquency resolution for exceptions per exception report via Web-Ex communications tool.

Provided meeting minutes to servicer and Fannie Mae department management for tracking & archive purposes.

Entered Engagement information and servicer feedback into SharePoint for tracking and quality control compliance.

Participated in monthly departmental meetings to update management on progress of clearing delinquent exceptions with Servicers via monthly CMDS reporting updates from Fannie Mae Connect tool.

Clear Spring Loan Servicing 2/2016-5/2017

Mortgage Boarding Data Coordinator

Received email requests to set-up and schedule mortgage loan servicing transfers per investor requests.

Prepared preliminary and final data reports per Mortgage FICS and MS Excel for outgoing mortgage loans and provide to new servicer.

Ensured compliance of data sent from prior servicer by auditing against provided mortgage closing document images.

Analyzed and format data sent from prior servicer via MS Excel to be uploaded into FICS database for servicing of acquired incoming mortgage loans.

Updated status of mortgage loan servicing transfers via Velocity 2 database.

Prepared finance figure report via MS Excel and FICS database and forward to the finance department and management for review to complete wire to new servicer.

Requested documents to be sent to new servicer by providing contact and location information of new servicer to document team.

Audited incoming borrower payment histories to determine delinquency status of high risk loans.

Pacific Union Financial (Contract) 8/2014-2/2016

Data Integrity Analyst/Collateral Specialist

Audited closed mortgage loan documents and updated customer information in Datatrac system accordingly for investors (Fannie Mae and Freddie Mac) to ensure compliance.

Performed Quality Control (QC) of Appraisal, Loan Application, Title Commitment, Good Faith Estimate, Final Settlement Statement and Flood Certification to ensure that data in company database is correct per internal audit criteria.

Requested missing documents from Operations department and/or Corelogic (third party vendor).

Ensured that documents are uploaded into the correct loan file and specified location in EDocs.

Completed daily report to import loan seller numbers to specified loans in Datatrac.

Import updated Jumbo loan information from MS Access to MS Excel to complete daily Jumbo loan report.

Emailed completed daily reports to department/management for review/workload determination.

Assisted in creating and enhancing the Data upload process utilizing the Waterfall method.

Received updated MS Excel reports from Management to update loan data in Datatrac.

Spot checked information on updated MS Excel Spreadsheets via MS SQL Server 2008.

Uploaded completed MS Excel Spreadsheets into Datatrac Management System to manipulate/update specified loan data in Datatrac.

Pulled loans from work queue to be audited and updated status of loans via SharePoint.

National Bankruptcy Services (Contract) 1/2014-7/2014

Bankruptcy Specialist/Quality Control Specialist/Data Integrity

Verified if petition of claims should be amended via docket audit in Aacer database.

Confirmed post-petition fees and missed payments to be calculated in amended petition of claim.

Requested missing documents and information per NBS database to be provided by our client (Bank of America) via LPS and Iportal imaging database.

Reviewed daily impediment report from client (Bank of America) via shared MS Excel Spreadsheet to clear impediments set by in house file administrators.

Forwarded completed amended petition of claims to Quality Control (QC) for review via NBS database.

Retrieved uploaded documents from client via LPS and Iportal document databases and download into NBS database to clear document impediments.

Performed payment history audits and fee audits for reimbursements per Escrow Statements for loan reconciliation.

Reviewed dates, costs and services provided per third party Invoices to determine validity and to determine if services we’re provided pre or post-petition.

Determined if any pre-petition fees should be waived by researching fee dates and invoices.

Verified fees have been updated via AS400 and BAPS to ensure that Client has updated per Administrator request to clear financial impediments. Updated report accordingly.

Determined if answer from client concerning impediment should be refuted or monitored until complete or suffices to clear impediments.

Closed all files that have been service released, paid current or have a current loan modification to end Bankruptcy per Bank of America instructions in NBS database.

Capital One Home Loans 7/2011-12/2013

SBO Lien Release-Coordinator/Compliance Specialist

Researched payoff and prepared lien releases, UCC terminations and Paid in full letters for Greenpoint Mortgage Funding, Hibernia National Bank and both of their affiliates.

Sent most lien release requests to Corelogic third party vendor for completion and delivery to requester of lien release documents after verifying requested loan paid off.

Audited request to be sent to Corelogic to ensure all documents were present, correct and legible per third party compliance requirements for processing.

Prepared hold and discrepancy item reports via Corelogic website in Microsoft Excel spreadsheet. Emailed report to department personnel daily.

Liaison between department and third party vendor’s contact representative to clear hold and discrepancy items.

Communicated with title companies, closing attorneys and customers to request proper documentation.

Researched customer payoffs are valid via Empower database and Hibernia Citrix database.

Reviewed title commitment and Deed of Trust to ensure that the loan in question is open and has not been previously released.

Bank of America (Contract) 9/2009-6/2011

Home Servicing Specialist II / Mortgage Origination Processor / Loan Modification Processor

Received and cleared conditions for VA mortgage loan refinances from loan officers for closing.

Contacted customers via phone and email to request executed documents and provide status updates to customers.

Maintained and worked pipeline of 25-30 loans per month averaging $5,000,000 total loan amount value.

Requested new VA case numbers and appraisals via Veterans Administration website to upload into Statusmart database for customer’s files.

Reconciled any fee discrepancies to insure loans were within $250 range of total closing cost estimate set by Underwriter prior to requesting closing approval.

Began processing loan modification files February 2011.

Determined which loan modification program applied to borrower by delinquency of payments and hardship reason.

Requested outstanding documents from borrowers for completion via telephone and email in order to forward to Underwriting for modification approval.

Processed customer information via Homebase and Homesaver databases.

Education:

2013-2014 Brookhaven Community College: Structured Query Language (SQL) certification.

1997-1998 Career Training Specialist: Received perfect attendance award. Graduate 3.8 GPA.

Special Skills:

Iportal Document retrieval system

LPS database

Aacer Bankruptcy claim system

MS SQL Server 2016

AS400

Datatrac Database

Fannie Mae Early Check Audit System

Freddie Mac Loan Quality Advisor System

MS Excel

MS Access

Cell: 214-***-****

Email: ad1l9n@r.postjobfree.com

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