Analyst

MILLIE GARCIA

contact:209-***-****

email address : **************@*****.***

SUMMARY OF QUALIFICATIONS

Over 20 years of mortgage and collection experience in various environments. Collection experience Knowledge of all facets of the mortgage process FHA Conventional and VA loans from opening to closing and collections FDCPA laws Medical collections collected on all auto loans day 30 insurance collections to repossession mobile home credit cards commercial mortgage collections unsecured and secured collection.

Professional attitude and appearance. Adept at building strong business relationships with a diverse range of customers, co-workers and management teams.

Strong customer service and communication skills, problem solving abilities and team oriented personality with the ability to learn in a fast paced environment.

Proficient in coordinating and completing multiple projects in a deadline oriented environment Proficient in multiple Microsoft programs and LPS applications.

PROFESSIONAL EXPERIENCE

BANK OF AMERICA, N.A., Concord, CA 2011 – 2015

Mortgage Loan Processor

Gather information and take each file from pre-approved to closing.

Input proper loan information into the system for processing.

Responsible for ensuring that all loan documentation is complete, accurate, verified and complies with company policy.

Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting.

Review file documentation and make sure all items needed are requested.

Order and coordinate loan documents.

Meet crucial deadlines requested.

Perform any additional duties/activities assigned by management.

Handle all bilingual clients.

Ensure compliance with company policies, underwriting guidelines and lending program requirements.

Handling all Spanish clients’ translation of documents award letters of explanations. GREEN TREE FINANCIAL, San Ramon, CA 8/2008 – 7/2010 Collections

Responsible for analyzing basic account activity thorough the utilization of fraud filters and research tools to ensure the bank maintains a high level of loss avoidance and a low level of risk due to fraudulent activity within our customer base. Collected on 1st and 2nd mortgages offer repayment plans loan modification to prevent foreclosures.

Assists in the process to safeguard bank assets and minimize operating losses and exposure to loss through effective loss analysis and prevention procedures.

Provides quality service to our customers and business partners research tools in an efficient manner.

Generally handles cases of low to medium. Skip tracing locating the client CITIFINANCIAL, Atlanta, GA 1996 - 2009

Auto Loan Officer

Performed underwriting duties and made buying decisions.

Approve loans within specified limits and refer loan applications outside those limits to management for approval.

Meet with applicants to obtain information for loan applications and to answer questions about the process.

Analyze applicant’s financial status, credit and property evaluations to determine feasibility of granting loans.

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Also collected on all accounts commercial collection mobile homes auto mortgage first and 2nd liens credit cards personal loans

Obtain and compile copies of loan applicants’ credit histories, corporate financial statements and other financial information.

Review and update credit and loan files.

EDUCATION

LANEY COLLEGE COMMUNITY COLLEGE, Oakland, CA

Courses taken in Banking and Finance.

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