SALEHA KHALID

Multi-skilled professional with *+ years of EXPERIENCE

***** ***** ***** *****, ******, TX 76227 ad3guz@r.postjobfree.com 972-***-****

- GAAP Accounting - Risk & Compliance

- Black Knight, MSP and DLV - Automated Underwriting System (AUS)

- Lending Space - Tax Liability Calculation

- FraudGuard and LoanSafe - Financial Statements Review

- Escrow Accounting - Financial History Analysis

- Encompass Core Logic - Financial Reporting

- MS Office 365 - Corporate Financial Statements

- Business Analysis - Loan Processing

SUMMARY

ESCROW ACCOUNTING

• Prepared annual escrow analysis in accordance with state-established schedules

• Performed individual escrow analysis and assisted with regular and special escrow analysis annual cycles

• Processed escrow waivers and accordingly set-up requests

• Posted shortage payments and explained shortages and overages to the borrowers

• Communicated with lenders, mortgage brokers, attorneys, and mobile notary services to ensure a successful customer experience LOSS MITIGATION & COLLECTIONS

• Routinely updated Mortgage Servicing Platform (MSP) to record all loss mitigation activates

• Provided support to mortgage holders who were at risk of foreclosure

• Monitored and collected delinquent account data on a daily basis

• Performed borrower financial evaluations to develop non-payment strategies and options UNDERWRITING

• Gathered information from customers, evaluated their financial situation and made recommendations to help complete their mortgage loan applications

• Examined loan documentation for accuracy and completeness working with loan originators to secure required documents

• Analyzed and verified loan applications by evaluating financial risks and made final decisions on eligibility for applicants

• Exercised sound judgment based on detailed analysis and ensured that all documentation was in compliance with the relevant regulations

PROFESSIONAL EXPERIENCE

Loan Servicing Specialist 2018 – 2023

Loancare, Pittsburgh, PA

• Maintained mortgage information including payment postings and imported new loans and updated member information

• Gathered required documentation for review and submitted loan applications to the underwriters for verification and recommendations

• Successfully processed payoffs, curtailments, monthly billing statements, adjustments, account research during the loan transfers

• Analyzed and interpreted mortgage loan documentation to ensure compliance and accuracy

• Cleared conditions, pulling credit reports, ordering title and flood, and verifying employment as well as income

• Liaised with loss mitigation teams and minimized losses on delinquent mortgages by working according to investor guidelines

• Provided support to Customer Service from research and resolved tax related problems

• Coordinated tracking and payment of escrowed property taxes around the year

• Collaborated with other team members to resolve issues

• Reviewed and explained escrow account, analysis letters to members regarding overages and shortages

• Verified the accuracy of underwriting documents and calculations based on internal and external regulatory standards and product guidelines

• Ensured sale value of each closed loan whilst balancing risk management with creative judgment and maximized lending opportunities

• Managed the loan underwriting and operation functions across a multi-state area and within multi-investor environment

• Reviewed and cleared income, assets, credit, and appraisal conditions

• Developed and monitored the implementation of risk management policies and procedures

• Provided advice and support to business line management on risk management (Mortgage Originations/Sales and Operations- processing, underwriting, closing and funding)

Property Accountant 2016- 2018

Comfort Inn. Cranberry Township, PA

• Prepared monthly financial statements for four commercial portfolios on accrual and GAAP basis

• Analyzed financial reports, provided feedback, and addressed reconciled items to property managers

• Generated yearly and monthly updates for Fixed Assets schedule including depreciation

• Closely monitored tenant accounts receivable activity and reduced unapplied cash receipts

• Generated budget variance explanation reports, property tax, insurance, and accrued operating expenses schedules to support income statement and balance sheets accounts

11453 Woody Creek Trail, Aubrey, TX 76227 ad3guz@r.postjobfree.com 972-***-**** Certified Nursing Assistant 2014– 2016

Dallas, TX

• Provided high-quality patient care as a CNA within surgical, acute-care, rehabilitation and home health care

• Commended for chart accuracy, effective team collaboration, patient relations and consistent of empathetic care

• Ensured the accurate, timely flow of information by maintaining thorough patient records and updating healthcare team on patients’ status

• Assisted residents with activities of daily living including helping with meals, transferring using assistive devices bathing, dressing and grooming

Front Desk Manager 2012- 2014

Comfort Inn. Pittsburgh, PA

• Performed all front desk related tasks

• Performed daily occupancy and revenue reports

• Researched and responded to routine to moderately complex correspondence inquiries from customers, other departments and outside vendors via phone, letter or email

• Provided training to new staff members

Manager on Duty 2007- 2010

Motel 6. Dallas, TX

• Maintained accurate and orderly records and files

• Contributed to a more "team-oriented" department/environment where we together learned to constantly communicate with the other team members

• Performed daily occupancy and revenue reports

• Made bank deposits

• Provided training to new staff members

Front Desk and Sales Manager 2002-2006

Super 8 Motel. St. Louis, MO

• Performed all front desk related tasks

• Performed daily occupancy and revenue reports

• Acted as primary member contact for the Customer Self Service website

• Provided training to new staff members

Front Desk Secretary and Billing Associate 2003-2005 UHO. St. Louis, MO

• Greeted and collected their copays

• Performed data entry in billing software

• Scheduled patient appointments

EDUCATION

Missouri College Saint Louis, MO 2001-2002

Associate, Healthcare Administration

University of Phoenix Dallas, TX 2014-2018

Bachelors, Healthcare Administration

REFERENCES

Available Upon Request

Contact this candidate