Mortgage Loan Accounts Payable
Resume:
Toni M. Antonas
Palm Beach County, FL
****.*****@*****.***
QUALIFICATIONS
Licensed Mortgage Loan Officer, Loan & Sales Assistant, Pipeline Management, Account & Sales Management, Credit Analyst, Accounts Payable & Receivable, Collections. MY DISCLAIMER: Please be aware, I have been employed with multiple mortgage companies over the years due to mergers, acquisitions and the economy.
• Extremely detail oriented, able to work remotely and in an office environment.
• Twenty-four+ years of experience for all residential mortgage loans and pipeline management.
• Conventional, FHA, VA, USDA, Reverse, Down Payment Assistance, Direct and Brokered Lending.
• Originate mortgage loan applications from beginning to the final stages of the loan process.
• Carefully review and disclose loan application with disclosures.
• Work directly with realtors, title companies, insurance companies, closing and post-closing departments.
• Knowledge of State and County Down Payment Assistance programs and guidelines.
• Two+ years of nationwide abstracting, legal research and retrieval in the courthouses.
• Detailed searches of property appraiser and land records to preform full property, judgment and lien searches.
• Knowledgeable in evaluating credit reports via Equifax, Experian, TransUnion.
• Knowledgeable in evaluating residential appraisals.
• Knowledgeable in review of income/asset documents and income calculations.
• Navigate loan origination systems CRM’s and more: Encompass, Calyx, All Regs, e-Leads.
• Excellent and professional customer service, follow up and time management skills. EXPERIENCE
June 2023 – Present PHH Mortgage West Palm Beach, FL Contract Management Coordinator-Hybrid
• Review and execute a variety of documents for court proceedings pertaining to servicing mortgage loans.
• Document review of affidavits/sworn statements, declarations, complaints, petitions, deeds, Certificate of Proceeds, Pleadings, Proof of Claims, Loss Mitigation Affidavits, Real Estate Owned.
• Notarization of legal documents while ensuring the documents meet all state notary guidelines.
• Review and confirm the accuracy of documents drafted by outside counsel.
• Ensure all the steps taken during the verification, execution and notarization of documents are in compliance with Ocwen’s policies and procedures, state and federal laws.
• Communicate with investors; vendors attorneys, other business unit’s teams, Ocwen’s legal and senior leadership to manage cases towards resolution.
• Produces error free work material by assuring data and documents are consistent, error-free, formatted properly and compliant to Ocwen, investor, state and federal verbiage requirements.
• Navigate effectively through the system of record to ensure all information within all documents are verified in a timely manner.
• A team player: work with co-workers to assist in achieving department goals.
• Knowledge of the foreclosure and bankruptcy process and terminology.
• Detailed and goal oriented, great problem solver, able to multitask. April 2023 – May 2023 Good Greek Moving & Storage West Palm Beach, FL Inside Sales Professional
• Handle all incoming sales calls and Internet leads.
• Reach out to prospective and existing residential and commercial clients to generate sales.
• Maintain an accurate database with customer information, update leads, follow up, etc.
• Schedule sales inspection appointments.
• Completed detailed inventory of items to be moved in order to schedule proper crew and trucks.
• Process payments for scheduled moves and storage facilities.
• Perform job duties assigned by supervisors.
• Interact with clients and potential prospects via social media marketing and email marketing. October 2022 – March 2023 Ed Morse Honda West Palm Beach, FL Internet Sales Representative
• Handle all incoming sales calls and Internet leads.
• Maintain an accurate database with customer information, update leads, follow up, etc.
• Support on-line customers by establishing rapport, answering questions, providing information and setting appointments.
• Meet and greet customers in the showroom and provide a warm hand off to the Product Specialist. October 2021 - August 2022 Cross Country Mortgage Naples, FL Loan Officer Assistant & Mortgage Loan Officer- Remote
• Develop and maintain business referrals, worked directly with real estate agents.
• Pipeline management: follow up with new and existing loan opportunities.
• Originate purchase and refinance loans in Florida.
• Update and complete loan applications for Pre-Approval to purchase and refinance.
• Verify Income and Assets in order to issue Pre-Approvals to purchase.
• Obtain AUS approvals, complete loan itemizations, review pricing and lock loans.
• Review Purchase Contracts and Addendums in order to accurately structure the loan application in Encompass.
• Request and review pertinent income, asset and supporting documents per lender guidelines.
• Research Self-Employment & Down Payment Assistance guidelines.
• Request credit reports, review, analyze credit and utilize credit simulators.
• Request and review results of Data Verify, Flood Certifications and Elevation Certificates.
• Request title, provide important information to the title company about the buyers and sellers.
• Request verification(s) of income and employment, written request or via 3rd party verifier(s).
• Request insurance quotes and request to bind insurance once the borrower(s) has decided.
• Research property database for tax bills, recent sales, deeds and ownership per guidelines.
• Research and create correct file contacts for realtors and title companies to include licensing information Encompass database.
April 2019 - October 2021 Guaranteed Rate Tampa, FL Loan Officer Assistant & Mortgage Loan Officer- Remote
• See above qualifications and duties as a Loan Officer Assistant. April 2018 - November 2018 P R M G Miami Shores, FL Mortgage Loan Officer
• Originate purchase and refinance loans in Florida.
• Develop and maintain business referrals.
• Follow up with new and existing loan opportunities.
• Network with real estate agents, insurance agents, attorneys.
• Conduct Lunch and Learn seminars and other networking events for real estate agents.
• Update and complete loan applications for Pre-Approval to purchase or refinance.
• Verify Income and Assets in order to issue Pre-Approvals to purchase.
• Obtain AUS approvals, complete itemization, price loans and lock loans.
• Review Purchase Contracts and Addendums in order to accurately structure the loan application in Encompass.
June 2016 - March 2018 Waterstone Mortgage St. Petersburg, FL Remote Loan Officer Assistant- Remote
• See above qualifications and duties as a Loan Officer Assistant. January 2000 – April 2016 Various Mortgage Companies Maryland & Florida Mortgage Loan Officer & Loan Officer Assistant
• See above qualifications and duties as a Mortgage Loan Officer. August 1996 - December 1999 Hylind Search Company Baltimore, MD Officer Manager
• Managed a small office of employees, delegated daily research orders.
• Nationwide public research and retrieval, abstracting in courthouses.
• Researched land records to perform full property, judgment, various lien and UCC searches.
• Requested and provide results for Good Standings from the Secretary of State, Maryland.
• Completed accurate and detailed data reports on findings.
• Performed accounts receivable and accounts payable duties. June 1986 - July 1994 Sports Elite Baltimore, MD
Owner/Operator
• Owned and operated two retail sporting goods stores on a daily basis.
• Managed employees, handled payroll and accounts payable.
• Attended trade shows nationwide.
• Pre-booked merchandise orders for upcoming seasons.
• Held promotional events-contracted professional skateboarders for skate demos.
• Professional skateboarders/skate team members that promoted our stores were Bucky Lasek and Brandon Novak.
LICENSES & EDUCATION
Mortgage Loan Originator License # LO33656
Nationwide Mortgage Licensing System NMLS # 220503 State of Florida Notary Public ID # 1776656
CCBC/Community College of Baltimore County, MD Limited Courses Overlea High School, Baltimore, MD Graduate-HSD
GREEK SCHOOL Graduate-Six Years of Studies
Language, Reading, Writing and Mythology Studies St. Demetrios Greek Orthodox Church References are available upon request. Thank you for your time and consideration.
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