Mortgage Loan Class A

Marc Thomas

***** ******* *****, ********* ** ***69 Phone: 704-***-**** Email: ad5wnj@r.postjobfree.com

PROFESSIONAL QUALIFICATIONS:

A highly motivated, results-oriented professional with extensive experience in the banking, mortgage and financial services industry

Skilled in Mortgage Loan Processing, Underwriting, Closing, Funding, Post Closing, Credit Decisioning, Quality Assurance

Working knowledge of FNMA, FHLMC, FHA, GNMA, VA and Conventional Mortgage Loan products

Experienced in the areas of Retail Fulfillment, Short Sale Negotiations, Deed-in-Lieu, Foreclosure, Bankruptcy

Success in productivity and performance in high volume, production driven, paperless environment

Proficient computer skills: Microsoft Office Suite, Windows, LPS, LIS, DU, LP, Equator, SharePoint, Adobe

PROFESSIONAL EXPERIENCE

Independent Contract Driver / Chosen Choice Enterprise, Charlotte, NC 2015-Present

Class A CDL

Student / Charlotte Truck Driving School, Charlotte, NC 2015

Class A CDL

Negotiator / Wells Fargo Home Mortgage, Ft. Mill SC, 2014-2015

Responsible for reviewing and making decisions on customer requests.

Duties include reviewing of Title, Property Condition, Borrower Finances, and Hardship in order to reduce delinquent/problem loans within framework of company or investor guidelines.

Assist in filing legal actions and following up on liquidation of secured property and payment adjustments.

Conduct research and determine resolution for title/collateral perfection issues.

Perform income calculations based on financial documentation submitted by client.

Prioritize and maintain a large volume of multi-faceted work in an fast paced and changing business environment.

Consumer Loan Underwriter / Achieve High, Lawrenceville GA, 2009-2013

Provided superior service for mortgage loans within the Bank of America platform

Retrieved information submitted by mortgagor from our imaging system which is information needed to assist customer with alternative to foreclosure which could include a Repayment Plan, Modification, Step Rate Modification, or a Moratorium due to loan being in default or imminent default

Thoroughly reviewed documents for accurate, complete, and compliant requested information

Examined individual files based on work rules, investor guidelines, and accurately calculating income using net income/gross income to determine an approval or denial decision.

Provided resolution to escalated issues assigned from Manager, Work Director or Office of the President.

Made sudden adjustments when necessary to assure prioritize work is completed, and to assure no foreclosure sale is initiated without trying to get a workout option approved.

Attended Home Preservation Workshops to assists mortgagors onsite with an instant resolution.

Familiar with multiple investors Guidelines ASC, VA, FHA, FNMA, FHLMC, Bank of NY, GNMA, Private, and MBS

Reviewed financial statements, Profit/Loss statements, credit reports, hardship letters, income tax return review, loan/value ratios

Qualify for HAMP/Non-Hamp if all guidelines were satisfied during review, plans were attached that passed and final outcome communicated to mortgagor.

EDUCATION

Real Estate Appraisal (Completed R1, R2, R3) - Central Piedmont Community College

Charlotte Truck Driving School

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