CHRISTINE MORALES
West Palm Beach
FL 33417
Phone: 561-***-****
**********@*****.***
SUMMARY
Highly Skilled Candidate with over 20 years of experience providing excellent customer service experience. Candidate is experience in successfully communicating information to others while maintaining confidentiality and productivity. Candidate also has proven ability to accurately document interactions with callers and to maintain tracking of activities to provide any needed follow-up in a timely manner. Candidate works well both independently and as part of a team to complete projects with speed and accuracy. Candidate is currently employed part-time but would be available immediately for interview and for employment with one week’s notice.
Microsoft Programs (Word, Excel, Access, PowerPoint, Works), Claims and Disputes, Typing, Data Entry, Customer Service, Insurance, Inbound High Volume Call Center, Receptionist, Employment Benefits, Excellent Written and Verbal Communication Skills, Answer Multiline Telephone System, Create and Maintain Various Reports and Documents, Filing, Copying, Scanning, Faxing, Detail-Oriented, Ability to Multitask, Team Player, Able to Work Independently,
EXPERIENCE
Total Wine Seasonal November 2022-Feb 2023
Cashier/ customer service
Greeting customers, helping with their products and obtaining payments at a
Very fast pace, ID verification
WAWA Corporation
Feb2023-current
Cashier /Customer Service
Greeting customers, how to use the self-checked machine also helped with all our products, advising on prices having the checked out, on a fast pace, making sure that the customers are quite happy with their purchase
Freedom Mortgage Corporation PA Dec 2019- Dec 2021
Closer / Funding Resolution Remote
Review closed mortgage files to determine the quality, to make sure closing instructions are met, and that all documents were sent back with the closing package.
Preparing legal documents according to state and federal regulations.
Reviewing loans to determine why failures occurred when changing loan statuses.
Rescheduling of voided wires.
Corresponding with title companies, appraisal companies, and third-party vendors.
Scheduling loan closing and ensuring final delivery/signature of Closing disclosure.
Reviewing all VOE/VOM/HOI/TAXES for accuracy
Balance Loans against estimate and final Hud_1/ Closing Disclosure statements
I have contacted VA clients about the DD214 and SOS that were submitted on file also
Verify pricing of loans-Rate,Points,fees APR Review Returning closing docs from title company Working with all guidelines for VA loans /FHA, and conventional loans
ON ALL POSITIONS MY HOURS ARE 40 HOURS PER WEEK PLUS OVERTIME AS NEEDED.
Bayview / Lakeview Consumer Loan Servicing PA June 2016- Oct 2018
Government Insurance Specialist / Post Closer
Reviewed loan files for completeness and accuracy.
Completed data entry and maintained data integrity in (Encompass Software).
Assisted processors with hello calls, subordination packages, and ordering of appraisals.
Performed FHA case assignment transfers, cancellations, and appraisal logging activities.
Assisted in clearing Post Funding Audit finding requests.
Accessed FHA/VA loans on the Government website.
Building binders, and accuracy in a critical document.
Calculated on Max Calc, Payoffs, to be precise on principal curtailment.
I have contacted VA clients in reference to the DD214 and SOS that were submitted on file
Independent Notary PA April 2011 –May 2016
Performed services for mortgage loan closings for a nationwide network of title and mortgage companies.
Responsible for explaining all closing documents to borrowers as well as verifying, notarizing, and executing documents promptly.
McDermott & Justice Reporting
Foreclosure Processor / Notary
Jan 2012- May 2016 (P/T)
Work proactively with other teams, both internal and client, to resolve any Assignment or Transfer related issues
Professionally communicate with clients via email, telephone, and various client systems to obtain information necessary to meet foreclosure requirements and timelines
Review Title and Security Deeds to determine the correct chain of Assignments of Mortgage.
Correctly draft and provide Assignments of Mortgage to the client within set timelines
Maintain client systems with current information regarding the Assignment or Transfer Process
Obtained and verified valid forms of identification from customers and witnessed all signatures attesting that this was done in my presence.
Abington & Upper Moreland School Districts Jun 2009-May2016 (P/T)
Teacher’s Aide
Assisted students with classroom projects, grading papers, as well as helping with the special needs of disabled students.
Monitored students in Study Hall and chaperoned students on school trips that took place under the school district’s auspices.
Christine’s Corner Maple Shade, NJ Dec 2006–Mar 2009
Owned and operated a Variety/Party Store; responsible for hiring/overseeing all staff.
Managed inventory, marketing, and promotion of items.
Performed accounting tasks related to the business while maintaining premises in a respectable manner.
Maintained superior relations with customers and community members.
North Grumman Corp. (Homeland Security) Phila PA May 2006-Nov 2006
Fingerprint Tech
Performed fingerprint identification and background checks for aliens looking to obtain United States citizenship. Verified, inputted, and processed information into the system along with a photo.
Notified the FBI and CIA of any discrepancies or warrants were open on the party looking to obtain citizenship and detaining the person via delay tactics until the authorities arrived.
GMAC Mortgage Corp. n/k/a Ditech Horsham PA Feb 1997- Jan 2003
Consumer Loan Specialist/Mortgage Loan Processor
Responsible for contacting the customers within 24 hours of conditional approval to discuss requests to move loans toward closing.
Analyze income documents such as bank state, tax returned, pay stubs, and pension/retirement
Verbal/written communication with internal and external including loan officers, appraisal, and title companies
Excellent pipeline management skills
Provide loan status updates to customers, resolve discrepancies or problems, and ensure quality customer service.
Maintain accurate and current statuses and proactively follow up on all loans in the specialist pipeline and monitor specific tasks assigned.
Consistently met team goals with a quick turnaround time
EDUCATION
La Guardia Community College, Queens, NY.
A.A. Business Administration
IBIS College/Trinidad/West Indies
Completed GCE O’ Levels
Requests documentation from members based on an initial
as necessary to ensure accuracy of documentation as an application is prepared for underwriting.
Serves as point of contact between members, realtors, and underwriters.
Performs other duties as assigned.