Real Estate Austin Tx

**** ******* **** ****

Pflugerville TX

512-***-**** ***********@*****.***

Tabatha Gayle Sorrell

Professional Summary: to find a position that will magnify my numerous years of real estate, customer relations, and underwriting/ loss mitigation experience. In addition, to accentuate my traits of being highly motivated individual.

April 2016 – Present Freelance (Score Bug Op/ Production Assistant / OPS Assistant) Austin TX

April 2016- Present: Freelance Television

●Strong overall knowledge of multiple sports

●Strong communication and organization skills

●Ability to react quickly and positively under tight deadlines in a fast paced environment

oOPS Assistant

●Manage multiple people

●Hire/ Maintain positive relationships with staff for future opportunities

●Maintain schedules for ESPN (Longhorn Network) Multiple sporting events

●Provide staffing for multiple sports

June 2016 – Present University Federal Credit Union Austin TX

June 2016-Present Mortgage Underwriter

●Review and evaluate information on mortgage loan documents to determine if borrower(s), property, and loan conditions meet company and government guidelines and standards

●Evaluates acceptability of loan to investors

●Recommends approval or rejection of loan applications

●Communicates decisions to loan officers and processors (and any other staff member)

●Maintains a professional, courteous, and friendly atmosphere for all customers/ members

●Find alternative solutions to difficult situations

●Provide new hires with additional “on the job” training

●Vast Knowledge of mortgage guidelines from investors as well as government agencies

June 2015 – June 2016 IBC First Equity Austin TX

June 2015 – June 2016 2nd Lien Mortgage Underwriter

●Evaluate credit packages including verification of income and assets

●Prepare all preliminary RESPA documents as well as any additional re-disclosure documents

●Prepare any counter offers as well as adverse action notes

●Meet crucial deadlines requested

●Complete all HMDA information necessary to properly close a loan file that does not meet originate

●Maintains company productivity level and complies with designated turnaround time for underwriting of files

●Communicate loan decisions to appropriate parties both verbally and in writing

●Demonstrate strong decision making skills and good judgment

●Review residential appraisal valuation reports

●Work with team members from Audit, Processing, Closing and Post-Closing Departments

●Manage mortgage loan application volumes

●Daily correspondence with other mortgage professionals through email and telephone

January 2015 – June 2015 Soloman Edwards Group Austin TX

January 2015 – Present Project Consultant Onsite at OneWest Bank

●Calculating debenture interest curtailment dates by performing legal review and due diligence analysis of reverse mortgage foreclosure process time-lines.

●Audit mortgage account timelines to ensure foreclosures were processed in compliance with all State and Federal laws while maintaining compliance with investor and company guidelines

June 2021 –September 2014 JP Mortgan Chase Bank Cincinnati, OH/ Irving, TX

CHASE: Homeownership Center

June 2011- September 2014 Relationship Manager II/ Customer Assistant Specialist III

•Conduct face to face meetings with customers in default or at high risk for delinquency to evaluate their financial ability, intent, willingness, reason/risk for default, and apply the appropriate retention or liquidation solutions.

•Meet with non-profit agencies, loan officers, bank personnel and other referring agencies to identify potential customers in need of advisory services. Make outbound calls to potential customers who need advisory services

•Negotiate and formalize repayment / modification agreements based on investor guidelines (FHLMC, FNMA, FHA, VA and USDA) while evaluating income, assets, and custmers ability to repay

•Negotiate with beneficiaries, attorney firms and other third parties that have an interest in subject properties via voluntary and involuntary liens, in order to arrive at solutions that represent the interests of JPMC and its investors.

•Ensure requirements are met for deed-in-lieu and short pay transactions; including ordering/reviewing title, reviewing trusted sales guarantees and encumbrance of record reports or other available information.

•Make default servicing postponement decisions based on facts presented and the risks/rewards associated with accepting short payoff and deed in lieu transactions.

•Coordinate and facilitate loss mitigation efforts with associated departments, foreclosure counsel, investors (FHLMC, FNMA, FHA, VA and USDA), master servicing, default and real estate vendors and mortgage insurance companies.

•Initiate and monitor research on accounts as required.

•Participant in all HOPE NOW/ NACA initiatives and work with Chase's Homeownership Preservation Office to assist impacted customers.

April 2009 – June 2011 PNC Mortgage Miamisburg, OH

April 2010 – June 2011 HHF (Hardest Hit Funds)

•Responsible for reviewing loans with the 19 states defined by the MHA (Making Home Affordable) program for options provided by each State guideline (Term Sheets)

•Implement process within the PNC Mortgage division that pertain to HHF

•Provided training to HHF Team on HHF process such as payment posting, and CDF (Common data form)

•Schedule meeting with States to discuss process and programs for HHF State programs

•Post payments according to the HHF process

•Maintain control of the borrowers account until file has been completed thru the HHF program

•Insure that follow up after HHF program borrower is placed on a permeate option or the loan has been reinstated

April 2009 – April 2010 Loss Mitigation Underwriter III

•Responsible for review loan for loss mitigation options within the guide lines of FHLMC, FNMA, FHA, VA, and USDA

•Repayment Plans/ within PNC Delegations with FHLMC, FNMA, FHA, VA and USDA

•Forbearance Plans/ within PNC Delegations with FHLMC, FNMA, FHA, VA and USDA

•Loan Modifications/ within PNC Delegations with FHLMC, FNMA, FHA, VA and USDA

•Analyze mortgage documents including Profit and loss statements, tax returns, and credit reports and to synthesize data to determine optimal outcome for borrowers.

•Create and maintain files and systems under the directions of Loss Mitigation, for use in establishing eligibility and qualification for workout programs

•Work escalation files provided by Escalations Team, Executive office, Traveling Team and other third parties with the intent of resolving escalations for homeownership preservation

•Recommend process improvements, written procedures when needed

•Assist with training of new hires and provided refresher training when needed

•Review loans for the Home Affordable Modification Program (HAMP), BACK UP Mods, HHF Programs.

•Utilized various internal and investor systems, such as, Workout Prospector II, Corelogic, First American, BPO Direct and Venture

•Maintained an average audit score of 90% or higher per the FHLMC audits

•Maintained an average of 97% on phone monitoring

2008 – April 2009 CBS Personal Staffing Cincinnati, OH

Collection Associate

•Corporate collections on business accounts from small business to large business including corporations, and government agencies

•Reviewed accounts starting as recent as one week past due to forwarding to attorneys for further collection action

•Worked closely with Collections Director and DNBi to implement new collection tool used with in the current collection department

2005 – 2008 Austin Telco Federal Credit Union Austin, TX

Senior Collections Coordinator

•Responsible for collection/bankruptcy accounts including secured, unsecured, and home equity loans

•Counseled members on the importance of maintaining a good credit rating along with providing members the option of payment arrangements that suited their needs while ensuring Credit Union guide lines were met

•Submitted credit information to the three main credit institutions to resolve credit issues or disputed information

•Maintained all insurance information force placed and non-force place insurance

•Reviewed all bankruptcies accounts and set up reaffirmation agreements including attending creditor meetings

•Maintain all Levy’s (IRS, Comptroller, Attorney General or Garnishments)

•Prepare end of month reports for board members and internal management

2003 – 2005 Vanderbilt Mortgage Austin, TX

Pre-foreclosure Representative

•Responsible for an excess of 1,200 accounts per month

•Provided options such as repayment plans and forbearance options on bank owned loans

•Informed clients of loan types such as simple interest loans, ARM loans, and conventional

•Frequently prepared accounts for repossession and legal action

Education: Pflugerville High School 1995-1999

Personal Qualities

•Ability to multi-task

•Attention to details

•Takes initiative

•Understand time sensitive projects as well as deadlines

•Strong team building skills

•Verbal and written communication skills

•Volunteers assistance to others

Contact this candidate