Megan Sims

Mortgage Specialist

Contact

214-***-****

ad1vao@r.postjobfree.com

Objective

Seeking new employment opportunities to leverage and implement my knowledge, skills, and abilities. Delivering high quality performance and efficient underwriting skills into daily operational tasks and activities. Looking for a professional position to grow my knowledge, skills, and experiences.

Education

Heritage Academy

Dallas, TX

2002 high school diploma

Key Skills

Microsoft Office

Data Entry

Credit Analysis

Fraud

DU/LP

Customer Service

AML, AUS, MSP

Encompass

Syndicated Loans

FHA/VA/USDA

Origination Loan Modification

Experience

February 2023 – to present

Loss Mitigation Specialist I • Shellpoint Mortgage Servicing

Handle multiple mortgage products that are 60+ days delinquent, as governed by investor, departmental, and legal guidelines

Help prevent foreclosure through various loss mitigation options (e.g., modification, forbearance)

Work with property inspectors, appraisers, real estate agents; arrange inspection or evaluation services

Review and negotiate liens and judgments to help clear the title and protect the homeowner and investor

Review homeowner financial records (e.g., statements, tax returns, credit reports) to determine the best loss mitigation solution for homeowner

Ensure all legal requirements are correct before foreclosure sale

December 2019 – November 2022

Underwriter III • Mphasis Digital Risk

Perform in-depth review of mortgage loan files including income, assets, credit, and collateral

Underwrite loans in accordance with client guidelines utilizing AUS or manual guidelines

Assist Processors/Loan Officers in understanding underwriting decisions and conditions

January 2019 – August 2019

Remote Underwriter • Opus

Calculate and analyze income documentation, credit, DTI, and housing expenses for accuracy and eligibility

Assessing customer’s issues and provide solutions

Review deal and client information/hot buttons on SharePoint, as it pertains to the type of deal and client

May 2014 – September 2018

Loss Mitigation Underwriter • Chase

Process mortgage services, complete Chase credit underwriting procedures, and evaluate loan underwriting and collateral

Analyze simple and complex financial data such as income calculation, asset verification and credit review

Trained to analyze and detect fraudulent activities (AML)

July 2012 – October 2013

Senior Underwriter • Bank of America

Verify income assets and liability documents

Maintain accurate and up-t-date knowledge of underwriting policies and procedures

Determine loan eligibility by utilizing manual underwriting guidelines as well as validating AUS recommendations (DU/LP)

February 2011 – Jul 2012

Junior Underwriter • American Home Mortgage

Verified application to ensure completion and accuracy

Assisted Mortgage Loan Closer during the submission of approved mortgage loan files

Organized closing with borrower, lender, and title company

April 2008 – February 2011

Executive Liaison • American Home Mortgage

Resolved executive level customer complaints by researching addressed issues and ensured proper action for resolution was resolved; if customer complaints escalated to threatening the Agency with legal action, they were forwarded to the attention of the President of American Home Mortgage

Communicated professionally with customers, borrowers, and investors

References

Available upon request.

Contact this candidate