REENA IBRAHIM

** ****** **** ****. **********, MA – 01545. Phone: 617-***-****

E-mail: addlg3@r.postjobfree.com

EDUCATION

Graduate: 2006

MS (Electrical Engineering), Oct 2006 University of Massachusetts, Lowell, MA. Undergraduate: 2002

B.S (Instrumentation and Electronics) Bangalore University, India. TECHNICAL SUMMARY

● Languages:

C,mMatlab, LabVIEW and SQL. Database: MS SQL,MS-Access

● Operating Systems: Windows 98/2000/XP/Vista, UNIX

● Software Tools: Simulink, Matlab, FDA tool, LabVIEW,MS Office, i-originate, i- fulfill

SHARC ADSP-21161 Processor, EZ-LITE kit, ADSP-21161 Blackfin Processor, NI Signal Express,BioBench 6.0,VLSI Design and Fabrication. Testing Tools:QTP 8.0,Test Director 7.6/8.0, Win Runner 7.5. Work Experience:

Mortgage Loan Originator and Mortgage Processor (May 2019-Present ) Dual Role Central one Credit Union Shrewsbury, MA

● Developing referral relationships with business partners to include real estate agents, attorneys and financial planners

● Interviewing loan applicants and explaining terms and conditions

● Preparing loan documentation in accordance with financial institution standards

● Providing status reports to management

● Advise and educate clients on the home buying process

● Assist clients throughout the loan process from pre qualification through closing and beyond

● Perform initial appraisal of potential borrowers by thoroughly examining their applications

● Assess the credit standings of applicants through background research

● Interview applicants to evaluate their eligibility for loan or mortgage

● Conclude on all applicable financial and non-financial criteria and develop loan repayment plans

● Follow up with clients to clarify important points

● Give the “green light” to eligible candidates and report decisions with sound arguments

● Finalize loan contracts and keep clients informed in rules and obligations

● Remain up to speed regarding lending and other financial services

● Create and renew records

● Identify customer needs, explore all options and suggest different types of loans

● Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services

● Forge trust relationships and enhance customer dedication

● Work within established regulations and adhere to law requirements at all times Financial center lending consultant/Mortgage loan officer (December 2017- May 2019)

Bank of America Home loans, Shrewsbury, MA-01545

● Generating a minimum 70% of mortgage sales goals by managing the end-to-end consumer mortgage referral requests that originate within assigned Financial Centers. Additional sources of revenue to meet100% of mortgage sales goals developed through self-sourcing from relationships with local realtors and/or builders, achieve personal production goals

● Coach Financial Center associates on best practice mortgage referral strategies.

● Analyze and comprehend complex financial data and recommend appropriate financial solutions for mortgage products

● Obtain and analyze information necessary for mortgage applications including credit reports, verification of employment,

● Calculation of income, asset verification and any other pertinent information.

● Daily pipeline management with a focus on meeting rate lock expirations,

● Complete all required Bank Secrecy Act related training annually and maintain knowledge of current BSA policies, specifically those related to functions performed within the department and

identifying and reporting possible suspicious activity.

● Review and collate all docs to be uploaded into the fulfillment site.

● Collaborate with underwriters, processors, home equity department.

● Communicate weekly with clients throughout the loan process, keeping them inform of their loan status

● Process and send compliance documents to clients . Compliance package must be sent within three days of receiving the loan file.

● Accountability for obtaining signed rate lock form from members. Notify management of any clients requests to re-lock. Collection of application and rate lock fees.

Mortgage Loan processor ( August 2014- December 2017) Digital Federal Credit Union, Marlborough, MA-01752

● Obtain and analyze information necessary to process mortgage applications including credit reports, appraisals, title work, verification of employment, calculation of income, asset verification and any other pertinent information.

● Daily pipeline management with a focus on meeting rate lock expirations, mortgage commitments, department turn-time and communication standards.

● Knowledge of DCU mortgage products. Ability to analyze members needs and create appropriate loan programs.

● Process and send compliance documents to members. Compliance package must be sent within three days of receiving the loan file.

● Determine member’s request to escrow monthly taxes. Review payment method with members prior to loan closing.

● Communicate weekly with members throughout the loan process, keeping them informed of their loan status.

● Document loan file with all written and verbal correspondence communicated to and from a member.

● Complete all required Bank Secrecy Act related training annually and maintain knowledge of current BSA policies, specifically those related to functions performed within the department and identifying and reporting possible suspicious activity.

● Document loan file with all written and verbal correspondence communicated to and from a member.

● Review and collate all docs to be uploaded into overflow processing vendor sites.

● Review and update all documentation to ensure the DCU LOS system is correct to overflow processing vendor documents.

● Knowledge of DCU mortgage products. Ability to analyze members needs and create appropriate loan programs.

● Process and send compliance documents to members. Compliance package must be sent within three days of receiving the loan file.

● Accountability for obtaining signed rate lock form from members. Notify the team leader of any member requests to relock. Collection of application and rate lock fees.

● Accurately determine member’s request to escrow monthly taxes. Review payment method with members prior to loan closing.

● Communicate weekly with members throughout the loan process, keeping them informed of their loan status.

● Document loan file with all written and verbal correspondence communicated to and from members.

● Accuracy of data in pipeline. Loan Officers are to consistently update and maintain loan status in our loan origination system. Document work performed on loan files in our loan origination system.

● Process denied and withdrawn loan files in compliance with the established policy and procedure

● Obtain and analyze information necessary to process mortgage applications including credit reports, appraisals, title work, verification of employment, calculation of income,asset verification and any other pertinent information.

● Daily pipeline management with a focus on meeting mortgage commitments, department turn-time and communication standards.

● Review and collate all docs to be uploaded into overflow processing vendor sites.

● Review and update all documentation to ensure the DCU LOS system is correct to overflow processing vendor documents.

● Knowledge of DCU mortgage products. Ability to analyze members needs and create appropriate loan programs.

● Process and send compliance documents to members. Compliance package must be sent within three days of receiving the loan file.

● Accountability for obtaining signed rate lock form from members. Notify the team leader of any member requests to relock. Collection of application and rate lock fees.

● Accurately determine member’s request to escrow monthly taxes. Review payment method with members prior to loan closing.

● Communicate weekly with members throughout the loan process, keeping them informed of their loan status.

● Document loan file with all written and verbal correspondence communicated to and from members.

● Accuracy of data in pipeline. Loan Officers are to consistently update and maintain loan status in our loan origination system. Document work performed on loan files in our loan origination system.

● Process denied and withdrawn loan files in compliance with the established policy and procedure

Mortgage Loan Modification-Mortgage servicing Team member (March 2015- August 2015)

Digital Credit Union

Work with borrowers who are close to or have defaulted on their mortgage. A loan modification is simply an adjustment made to the terms of the existing loan to reduce the probability of a borrower defaulting. Common adjustments include: interest rate reductions, extension of length of loan term, change to loan type or a mix of all adjustments

● Evaluated all loss mitigation files within the required timeframe and determined viable options for the borrower.

● Prepared records of loan, prepared loan modifications and obtained required title endorsements.

● Assisted borrowers in loan modification programs and planned a repayment option as required.

● Coordinated with agents and borrowers and provided regular status reports for loss mitigation files.

● Managed all communication with the borrower and provided required information.

● Monitored customer requests and ensured timely resolution of the same. Information Center Specialist (June 2014- March 2015) Digital Credit Union Marlborough, Ma 01752

● Support DCU’s Success Sharing Growth Goals through participation in the Branch Services sales program. Identify members’ needs and make appropriate referrals that develop the relationship.

Support DCU’s Service Goals by:

● Answering all calls within the specified service levels

● Providing members with efficient and professional service *Directing calls to the appropriate department when necessary

● Understand and explain all DCU products and services.

● Accurately process all routine transactions and file maintenance.

● Utilize MemberWorks.

● To track member contact

● To improve member service

● To be proactive in servicing the members

● To make the appropriate referrals of products and/or services • Recommend enhancements

● Attend Product and Service training.

Quality Assurance

Mobile Application Tester for handheld devices(November 2013-June 2014) Open Mobile World Wide

Framingham, MA 01701.

IT support and Computer Instructor (August 2010-August 2011) Al-Hamra Academy

Shrewsbury,MA.

Systems Engineer:

Bitwave Semiconductors, Lowell, Ma (March 2006-October 2006) Software Tools: Matlab, Simulink and LabVIEW.

● Design of Analog Base band filter for Receiver.

Filter and linearity was modeled per the polynomial definition supplied by Radchips.

● Real pole Filter: CDMA 2K.

Filter was modeled for noise/variable gain-impedance, filter response and non-linear characteristics/gain.

● BiQuad 1 and BiQuad2.

Filter was modeled for noise/variable gain-impedance, HPF cap value, filter response and non-linear characteristics/gain

● CIC filter.

● Digital testing on the Receiver.

● Assistance in the Simulation work using Simulink.

● Assistance in the Lab using LabVIEW. Test vectors Testing . Teaching Instructor : January 2005 –May 2006

UMass Lowell, Lowell, MA

Software Tools: ADSP 21161 SHARC processor, Matlab, Image processing, ADSP-21161 Blackfin Processor and EZ-LITE kit.

● Instructing Lab Software to Graduates and Undergraduates in Real Time DSP and Medical Imaging Lab.

● Served as a TA for Signals and Systems, Electronics 1,Electronics 2 and Biomedical Instrumentation.

● Overall maintenance and working of the Lab.

● Mentor graduate students in the lab-work, Projects and Assignments.

● Organize Regional and National level contests held at our Lab in the university.

● Organize and present open house for juniors every semester.

● Assist Professor in his Research work.

● Overall grading of the Projects and Assignments.

● Conduct Exams.

Contract Based Project Intern:

BPL Telecom Ltd, Bangalore, India (Oct 2000 – Sept 2001). Design and implementation of PC Based remote appliance control via telephone lines.

PC Based remote appliance control via telephone lines. The project was aimed at providing an integrated solution for users to control and manage domestic appliances remotely using a personal computer via telephone lines. Participated in HDLC for the Project. Design of Domain Model, Class Diagrams and sequence diagrams. Unit, Integration and system testing of developed modules. ACADEMIC PROJECTS

Matlab and Simulink.

● Simulation of closed loop system.

● State feedback design for single input and multiple input cases.

● Robust tracking control strategy and disturbance rejection

● SISO and MIMO state Estimator design.

● Reduced order observer Design.

● Design of Linear Quadratic control law on an Open loop system and closed loop system.

● Construction of a feedback law for a Open loop system such that the disturbance is

rejected

Matlab: Shepp-Logan phantom.

Using a modified Shepp-Logan phantom, a 10 256x 256 image each containing three circles was created. With One circle stationary at the center of the image with diameter, D, = 128 pixel. Another circle moving along the horizontal axis, D=128 pixel, at a rate 6.4 pixels at a time. Another circle is moving along the vertical axis, D=128 pixel, at a rate 6.4 pixels at a time. Medical Diagnostic Image Processing:

• Explored the technology of combined CT-PET and CT-SPECT for Commercial models for ADSP 21161 SHARC and FDA Tool: DTMF Generation and Recovery.IIR filter technology was applied in the generation and recovery of dual tone multi- frequency (DTMF) sthe three major vendors: GE, Siemens and Phillips.• Conducted MRI Study in Umass Worcester.

Quantitative Analysis of FDG uptake in PET

ignals used by Touch-Tone telephones (Mock 1985). At the generator side, a pair of frequencies from the keypad grid characterizes each key. At the receiver, a low pass, a high pass and a bank of band pass filters can distinguish one key press from another by detecting which two of the seven frequencies are present in the signal.

Adjustable FIR Band pass Filter design.

Design of FIR Band pass Filter with adjustable Band pass region (v1-v2) was designed. With my voice as the input signal to the microphone connected to the EZ-lite board. The output signal was heard on the speaker and the input voice was recorded into one file and the processing voice was recorded into another file. Both input and output signals were plotted.

Work Permit: US CitizenReferences: Available on Requests.

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