CYNTHIA A. ENOCHS

980-***-****

ad3pfd@r.postjobfree.com

Professional Summary

Certified Paralegal seeking a professional position in the Columbus, Ohio area Professional Experience

JPMorgan Chase Bank

Fraud Specialist 1

February 2023 – May 2023

• Working disputes on merchant charges for Debit Card Non-Fraud claims filed by Chase bank cardholders

• CCS, VISA, Sharepoint, Excel

Aston-Carter – Charlotte, NC

July 2021-January 2022

Wells Fargo Capital Market

Remediation Title Analyst - Remote Contract

• Analysis and remediation on title commitment, deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure that all critical factors are concurrent for decisioning on the loan modification, partial claim and combo loan process.

• SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Mphasis Digital Risk – Maitland, FL

August 2020-April 2021

Wells Fargo Capital Market - Senior Closer Remote

• Offers end to end originations, due diligence, compliance, and technology services that are customized for the mortgage industry.

• Analysis on loan modification for existing borrowers; review deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure all critical factors are concurrent for decisioning on the loan modification process. Loan types; Partial Claim, modifications and Combo files.

• SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Wells Fargo Bank, NA – Charlotte, NC

November 2018 – June 2019

Legal Ops Analyst II

• Analyst in the Estate Care Center of Wells Fargo as a direct point of contact to the branch managers and assistant branch managers for guidance & direction with handling accounts for a deceased client’s family, estate/executor or legal entities.

• Hogan, Pega, Banker Connect, Open Text

Wells Fargo Capital Market, NA – Ft. Mill, SC

November 2017 – February 2018

Research Remediation Title Analyst – Contract

• Analysis and remediation on title commitment, deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure that all critical factors are concurrent for decisioning on the loan modification process consisting of partial claim, modifications and combo loans.

CEnochs

• SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Movement Mortgage - Indian Land, SC

March 2016 – May 2017

Rate Lock Coordinator

• Approve rate lock requests from field and corporate Loan Officers, Market Leaders and Regional Directors for the US east coast region.

• Provided support for the Eastern sales division for rate lock verification, analysis and approval on conventional, FHA, VA, USDA for purchase and refinance loan applications

• Communicate effectively and consistently with sales staff and sales management to ensure rate lock requests are accurate, complete and within organizational thresholds and compliance guidelines

• Analyze gross profit/loss and communicate with Regional Directors for approval or modification to maximize profitability, Identify, resolve and correct discrepancies in rate lock requests

• Working knowledge of all loan products conforming and government utilizing daily rate guide analysis

• Work closely with Secondary Market rate lock analysts to provide efficient, accurate approvals for lock

• Prioritize time management, accuracy and communication while working within a team environment and follow through with vigilant tracking of pipeline management to meet daily volume and quotas.

• Encompass, Optimal Blue, Client Look, SharePoint, Excel Accenture USA – Charlotte, NC

December 2014 – August 2015

Lending Process Analyst

• Performed a variety of loan documentation duties on complex loan applications to ensure quality compliance analysis with bank policies, procedures and investor guidelines.

• Preliminary underwriting on initial loan review and modifications per underwriting guidelines

• Responsible for driving the loan process from receipt of initial application to final clear to close

• initial contact call to sales Loan Officer and the borrower with follow up contact as required

• Initiate subordination process internally and communicate with external subordinate lenders and additional borrower verifications

• Effective and efficient file caseload management. Successfully handled up to 30 full document files a month. Conventional

• EDGE, StatusMart, Excel

Park Sterling Bank – Charlotte, NC

March 2014 – July 2014

Commercial Lending Officer Assistant - Corporate

• Assisted Corporate Commercial lending officers (3) with managing a book of business of approximately

$140MM

• Processed new loans, renewals, loan extensions and modifications for closing including construction draws and payment of client invoices. Research GIS & survey data online per property or project.

• Ordered LazerPro closing documents, set file up in system, individual and company due diligence, booking and funding, wire transfers

• Clearing exceptions, tracking all financial covenants and collateral on borrower and/or guarantors

• Filed corporate UCC with state and county and Record Deed of Trust with Registrar's office

• Work closely with legal counsel on all commercial attorney closings CEnochs

• Synergy, JackHenry, RIMS, Yellow Hammer, Microsoft Office Wells Fargo Bank, NA – Charlotte, NC Area

October 2008 – March 2014

Home Loan Analyst IV

• Performed a variety of loan documentation duties on complex loan applications to ensure compliance and quality control analysis with investor guidelines for policies and procedures on loan program

• Responsible for driving the loan process from receipt of initial application to final funding

• Underwriting analysis on quality control for compliance with RESPA, TILA, REG B & FACTA guidelines

• Working in a team environment to successfully achieve business and volume goals

• Initiate subordination process internally and communicate with external subordinate lenders

• Effective and efficient file caseload management

• Successfully handled 40 - 300 cases a month based on loan program quotas

• Conventional, Fannie Mae, Freddie Mac, VA, HARP

• CORE, LIS, LPS, RELS/TaskPoint, RUSH, RES, LIV, Fidelity/LSI, OPS, FileNet,

• e-Image, Datavision

NotaryProNC – Charlotte, NC

August 2007 – August 2022

North Carolina Certified Signing Agent & Notary Public – Part Time

• Facilitate remote real estate closings via local and national settlement and mortgage companies. Signings consist of FHA, VA, USDA, conventional, refinance, purchase, HELOC, reverse mortgages and witness loan applications. Self-employed

• Microsoft Office, SnapDocs

Education

Mary Baldwin University Staunton, Virginia – Bachelor of Arts (BA) Management Duke University – Post Baccalaureate Paralegal Certification 2007 National Notary Association - North Carolina Certified Signing Agent & Notary Public Professional Awards with Wells Fargo in Customer Loyalty & Compliance

• Quarter One 2012 Team Perfect

• Top 10 Charlotte site – Customer Loyalty

• 94% Quality compliance rating on year end audited files

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