LAZERIA

MERVIN

**** ********** *****, ********, ** 30126

404-***-**** ad4yq3@r.postjobfree.com

Analytical, organized and detail-oriented individual seeking a responsible and challenging role where my education and experience can aide in achieving the best results for business growth, while also gaining knowledge for personal and professional growth.

EXPERIENCE

Success Mortgage

Mortgage Loan Closer – Livonia, MI

2020-PRESENT

Review executed loan documents to ensure accuracy and proper execution prior to issuing funding authorization to closing agents

Review DPA Loans, Texas, VA, FHA, USDA, Conventional

Review and complete high-priority escalated files

Correspond with Loan Officers and Title companies

Prepare all documentation for loan packages and arrange final closing meeting

Correspond effectively with internal and external parties to ensure deadlines are met for scheduled closings

Utilize Encompass Application to update loan origination information

Uniquely qualified in streamlining company lending procedures, operations, and methods, and increasing both productivity/profitability in the functional areas of: Mortgage Lending Origination, Processing, Closing, and Funding, and Auditing, FHA, VA, USDA Conventional, Reverse & Forward Mortgage Loan Administration Processing

Successfully closed an average of 100 loans per month

Assisted closing department in increasing monthly numbers from 32 million 80 million within one year of employment

Angel Oak Mortgage

Business Consultant ll – Atlanta, GA

2017-2020

Works individually or within a team on small to large complex technology business consulting implementation projects to meet specific client requirements.

Develops and implements solutions that require analysis and research.

Act as a liaison between end-users and the information technology organization consultants during IT and technology consulting projects.

Responsible for researching and documenting client needs, technology, or regulations related to system design, enhancement, acquiring hardware or software that will impact multiple platforms and/or applications

Acts as team leader for technical aspects of consulting projects.

Modifies processes and procedures to achieve greater results and to solve the most complex business process problems related to computer equipment capacity and limitations, operating time, and form of desired results.

Assists client in User Acceptance Testing (UAT) to ensure enhancements made to applications meet client needs and that application integrity is maintained.

Creates detailed specifications from which programs will be written.

Recreates client issues in test environment, identifies/documents how applications and systems interact to support business processes

Angel Oak Mortgage

Compliance Specialist – Atlanta, GA

2015-2017

Review and research initial disclosures for compliance and accuracy

Review and complete Compliance projects on a weekly/monthly basis to meet specific requirements

Disclose and re-disclose loans in accordance with state and regulatory guidelines

Input loan origination data into Encompass

Identify and validate change of circumstances

Generate accurate disclosures within mandatory time frames

Complete follow up for loans that require disclosure or re-disclosure daily

Complete Monthly QC files

Complete quarterly HMDA data review

Complete QC findings review

Maintain company-defined quality and quantity standards

Deliver training to new employees and provides subject matter expertise support

Crescent Mortgage

Customer Service Associate – Atlanta, GA

2014-2015

Ensure Provides customer solutions by providing seamless delivery of service, or fulfillment requests by answering calls and emails in a contact center environment

Customer calls included tax payments, collections, insurance, claims, payoffs, and document release and billing issues

Performed routine account related transactions; working with support organizations to fulfill the customer request.

Achieved monthly individual and team based performance targeted sales goals

Effectively linked customer needs to product service solutions within a complex based sales environment.

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Digital Risk

Front-End Forensic Underwriter

2012-2014

Review employment documentation and re-calculate income documentation for completeness and accuracy per guidelines

Review title commitments and policies

Revie Appraisal for guideline and USPAP compliance

Review and analyze borrower’s mortgage applications, credit reports and related documents

Review and analyze real estate purchase contracts

Review state and federal disclosures for compliance

Verify proper licensing of parties to loans being reviewed

Analyze individual loan files and determine compliance with applicable lender guidelines

Perform in-depth research to document critical credit documentation is accurate (income, employment, occupancy, credit, assets, valuation, contract, HUD-1, interested party involvement)

Digital Risk

Loss Mitigation Underwriter/ Quality Assurance

2012

Review employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirements

Process 6-7 files daily with a quality rating of 98%

After 4 months as a underwriter was promoted to a Standalone Underwriter; Reviewing and QC files.

Analyze all factors of a borrower’s loan application, including employment, income, credit, collateral and assets

Perform detailed and accurate mortgage calculations such as income, DTI, LTV, CLTV, and cash to close

Seek concurrence with AUS approval requirements

Reference agency (FNMA/FHLMC) guidelines for different mortgage loan transaction types: purchase, refinance, non-owner occupied, second home, condominium, multi-family

Review and recalculate asset documentation per guideline requirements

Review and provide Quality Assurance feedback on loan file reviews completed by internal staff

Follow quality assurance policies and procedures to ensure compliance with scopes of work

Support the Loan Review team by providing accurate, concise, and constructive feedback details

Review title commitments and policies

FHA DE, VA CREDIT and VA LAPP government designations are preferred

Appraisal review for guideline and USPAP compliance

Verify proper licensing of parties to loans being reviewed

Review and analyze borrower’s mortgage applications, credit reports and related documents

Review and analyze real estate purchase contracts

Review state and federal disclosures for compliance

Analyze individual loan files and determine compliance with applicable lender guidelines

Digital Risk

Imminent Default Closer/ Default Quality Specialist ll

2010- 2012

Daily use of MSP, Customer Service Workbench, LISA, WPII, Pega and Agent Desktop, and CCW

Perform closing function on imminent default final modifications for FNMA, FHA, VA, FHLMC, bank-owned and private investors

Obtain all third-party approvals including investor and mortgage insurance company approvals

Perform review of retention mortgage modification loan workouts for accuracy to investor compliance and ensure the most suitable workout was used based on customer provided information using the processing software

Verify accuracy of Underwriters review based on current programs and procedures.

Validate investor (FHLMC, FNMA), insurer, guarantor’s guidelines and internal policies were met.

Analyze customer financial ability and verify income sources

Review PMI delegations and investor approvals for modifications

Review 25-30 loans daily meet targets for productivity

JP Morgan Chase

Customer Service Associate

2009-2010

Educated customers regarding the value and benefits associated with products and services.

Effectively linked customer needs to product service solutions within a complex based sales environment.

Achieved monthly individual and team based performance targeted sales goals.

Ensure provides customer solutions by providing seamless delivery of service, or fulfillment requests by answering calls and emails in a contact center environment.

Customer calls included tax payments, collections, insurance, claims, payoffs, and document release and billing issues.

Performed routine account related transactions; working with support organizations to fulfill the customer request.

JP Morgan Chase

Note Control Analyst

2008-2009

Receive Original Note mortgage documents via courier

Inputting critical information in (NPLOS “Loan Origination system” and IECP)

Verify accuracy of all data entered into loan origination system

Add conditions into loan origination system on any discrepancy of a loan for funding department

Verify all endorsements

Verify Bailee Wire information

Process loan same day services

Process pipeline of 100-150 loans per week

Maintain individual log of all incoming/outgoing items

Validate all wire transfers

Mortgage Educators of America

Jr. Underwriter/ Loan Processor

2005-2008

Perform in-depth audits and underwriting reviews of closed mortgage loans

Perform pre-underwriting prior to file submission to lender.

Underwrite and process mortgage loans

Review and analyze customer financial

Review for red flags potential fraud, renewals, modifications,

Managing credit metrics

Clear all risk conditions

Prepare written performance appraisals for subordinate personnel

Directs communications with Mortgage Brokers, Account Executives and Closing Agents on all submitted loans

Utilize detailed knowledge of title, appraisal review, applications and credit

Audit all closed files to ensure all HUD and investor guidelines have been adhered to

Establish quality control/performance objectives in order to ensure that buy-back/put-back activities are monitored in accordance with U.S. Federal laws

EDUCATION

Florida Community College at Jacksonville, 2001-2003

William M. Raines High School, 1994-1998

KEY ACCOMPLISHMENTS

Recognition Gold Award Employee of the month - JUN 2023

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