Dallas TX 75243
Summary of Qualifications
International Business College 2000-2002
Business Administration Associates Degree earned 05-02
Data Entry, Alpha/Numeric 10,000 plus ksph, 10key 13,000 plus ksph, Microsoft 10 Version Word, Outlook, Excel, Access, and Power Point, Goldmine Software, Siebel 2000, AS400, Adobe Acrobat, Fidelity system, Peachtree Software, QuickBooks, Aacer and Pacer(Bankruptcy courts websites), Report Manager, Altel mainframe system, DataTrac Originator, Encompass, Oracle, SharePoint, FHA Connection, VA Portal, MERS Website, Compliance Ease, PeopleSoft, Doc Prep and Doc Draw, Newtrak, LPS system, I- Portal, VRM, Lotus Notes, Calyx Point, Loan Prospector and Desktop Underwriter, EPW, LAFA, Right Fax, Vendorscape, MSP, LOS, Equator, Unifi, Dodd Frank (Reg X) regulations TRID regulations, and CFPB
USAA/Contractor 01-14 until 01-19
Mortgage Compliance Analyst
·Conducted random audits on pre-funded &/or funded loan files to ensure regulatory compliance, and focused on regulations pertaining to loan fees, loan terms, and documents and disclosures.
·Assisted Compliance Manager in gathering and reviewing data for audits.
·Determined the impact of state and federal laws and regulations on proposed loan products.
·Analyzed new and pending laws and regulations which affect the company’s practices and develop or revise appropriate policies and procedures to ensure regulatory compliance.
·Became the SME (subject matter expert) for certain states for all laws and lending regulations.
·Assisted with other compliance functions as needed.
·Supported production teams to ensure compliance with state and federal laws and lending regulations.
·Assisted in the evaluation of the adequacy of controls for the company’s processes and provide written documentation of results.
·Utilized analytical methods to determine potential anomalies in data or potential areas for process improvement.
·Analyzed closed VA, FHA, and Conventional loans from previous years 2010 to 2013.
·Reviewed Good Faith Estimates and HUD-1’s for RESPA violations and discrepancies.
TexasLending.com DBA Aspire Financial Inc. 11-12 until 12-13
Senior Loan Processor/JR Underwriter
Experienced in processing Conventional, FHA, VA, and Purchase mortgage loans.
Knowledgeable with various investor guidelines and current regulatory guidelines including RESPA, MDIA, TILA.
·Experienced in using Desktop Underwriter, Loan Prospector, DataTrac, Encompass, and DataVerfify.
·Experienced in preparing and explaining loan disclosures to borrowers and collecting all necessary documentation and verifications from the borrower.
·Knowledgeable in reviewing title commitments, appraisals, BPOs, HOIs.
Excellent communication skills dealing with borrowers, loan officers, title representatives, appraisers, underwriters, loan closers, real estate agents, and management.
Cleared conditions from the Underwriter within 24 hours closed 20 to 30 loans by month end.
Bank of America 04-10 until 10-12
Loan Modification Processor/Loss Mitigation Specialist
·Processed loan packages from origination to closing.
Received daily inbound calls from borrowers requesting loan status information.
Requested and researched needed loan documentation from borrower or borrower attorney.
Processed reinstatements and payoffs for attorneys and borrowers.
Audited and reviewed loan documents for the closing process.
Reviewed Assignment of Mortgages, Notes, Deeds of Trust, Title Reports, Credit Reports, Tax Returns, GFE and HUD-1 statements.
Daily interaction with attorney offices through LPS and MS Outlook.
·Processed loan modifications, short sales, Deed In Lieu’s, HAMP, and HAFA loans on behalf of the borrower.
·Sent daily letters out to attorneys using I-Portal.
·Knowledgeable with RESPA and TILA federal guidelines and procedures.
·Processed and reviewed 30+ loans by month end deadline.
·Heavy experience in researching and auditing loan documents and borrower financial statements.
·Experienced in calculating borrower debt to income ratio and self-employed income.
·Extensive background in reviewing and researching loan applications, appraisals, title reports, credit reports, homeowners insurance, HUD statements, and borrower financial statements.
National Bankruptcy Services 01-08 until 03-10
Bankruptcy Loan Processor
·Entered Bankruptcy documentation from the courts into the Bankruptcy
·Daily communication with various local councils and clients using Newtrak system.
·Processed daily reports, issues, and events in LPS system.
·Advance knowledge of Bankruptcy laws, procedures, and policies.
·Earned Bankruptcy Level I certification from Brice Vander Linden & Wernick in 2008
·Processed daily payoffs and affidavits.
·Prior experience working with Deeds of Trust and Assignment of Mortgages.
·Researched and analyzed debtor's credit report.
·Daily interaction with debtors, clients, and local counsels by phone and e-mail.