Mortgage Manager
Resume:
Carly N. Tran
Katy, TX *****
*********@****.***.***
SUMMARY OF QUALIFICATIONS
Dedicated and committed leader in leading to improve efficiency, productivity and business processes toward successful attainment of organizational goals
Equipped with diverse background in providing vision, market knowledge, developing innovative strategies for the multi-year rollout plan
Capable of working with diversified community and professional groups, employing exceptional talent in establishing excellent rapport with individuals of all socio-economic levels
Strong analytical, problem-solving, planning, organizational and verbal and written communication skills in providing clear direction, balance competing priorities and building partnerships among investors and future clients
EDUCATION
Master of Business Administration with an emphasis in Finance 12/2018 Southeastern Oklahoma State University, Durant, OK
Participated in Investment Simulation and was assigned certain amount of virtual funds to invest such fund in stocks, bonds, and other investment vehicles.
Bachelor of Business Administration in International Business/Spanish 12/2011 University of Texas at Arlington, Arlington, TX
Study abroad with UTA College of Business in Barcelona, Spain Summer 2010
Mortgage Loan Originator licenses in Texas, Oklahoma, Ohio, Florida, New Hampshire, District of Columbia, Vermont, Colorado, Arkansas, Virginia, California, Georgia, Alabama and Maryland (NMLS # 1006696)
EXPERIENCE
Brazos Valley Schools Credit Union – Real Estate Supervisor 05/2019 – 06/2020
Leading a team which holds all respect of real estate development
Working closely with VP of Lending, VP of Marketing, CEO, SVP of Finance, auditors, compliance officer, project manager and IT teams to carry out duties and projects
Responsible for managing over 90 million real estate portfolios
Determining staffing requirements; hire, recruit, interview, train real estate department as well as cross functional teams for all branches, marketing departments to stay up to date with real estate products, laws, regulations and compliance
Preparing reports, analysis, financial feasibility and proposing recommendations to credit union
Supervising the credit union’s mortgage, home equity, home improvement, construction to permanent lending programs and department personnel
Approving mortgage loan requests for members who meet qualifications and make recommendations to the Real Estate Loan Committee on requests which do not meet the established loan criteria.
Conducting on-sight inspections for mortgage, interim construction, home equity and home improvement loans.
Presenting real estate loan requests to the Real Estate Loan Committee for action.
Preparing and submit documentation to attorneys on all approved loans and acting as liaison between the credit union and its general counsel, foreclosure, bankruptcy attorneys in all Real Estate loan matters.
Complying with reporting requirements at all levels, member, state, federal.
Supervising escrow account activity including correspondence with taxing authorities and the payment of real estate taxes and homeowner’s insurance
Supervising daily operation of loss mitigation and servicing departments, monitoring delinquencies, ensuring compliance with departmental policies, procedures and all applicable government regulations.
Decision all loan modification programs, forbearance plans requests to assure minimal losses for the company and adherence to department and legal guidelines.
Initiating contact with the credit union’s attorneys concerning foreclosure activities.
Responsible for following all rules and regulations including those pertaining to the Bank Secrecy Act
Resources Global Professionals – Business Management Consultant 02/2019 – 04/2019
Helping companies to solve issues, create value, maximize growth and improve business performance
Identifying options for clients and suggesting recommendations for change, as well as advising on additional resources to implement solutions
Carrying out research, data collection
Conducing analysis and presenting findings, recommendations to clients
Project with DocSolution 02/2019 – 04/2019
Responsible for resolving complex title issues by reviewing and determining the best course of action to cure the title clouds
Making curative recommendations and assists clients with a variety of title defects to achieve clear marketable/insurable title
Researching and resolving outstanding liens, judgments, and other title issues, all title curative grades
Researching county index, legal descriptions, mobile home, taxes, mortgage docs in order to assign mortgages to Secretary of Housing and Urban Development
American Airlines Federal Credit Union – Mortgage Loan Officer 01/2017 – 06/2017
Possessing a thorough knowledge of all loan programs offered by the Credit Union, including forms and documentation for each type of loan
Assisting the member in completing online mortgage applications, providing the member with all required disclosures and obtain necessary support documents.
Negotiating terms and conditions of loans with members in accordance with Credit Union Policy and Procedures.
Setting up loans, gather and review qualifying documents, placing applicable orders for mortgage related services and process loans.
Performing income analysis of loan documentation, to include complex tax returns such as those for corporations, partnerships, and sub-S corporations.
Underwriting loans using automated underwriting programs and credit union decision matrices or refer loans not approved by the automated underwriting program to AA Credit Union underwriters.
Nationstar Mortgage – Licensed Loan Officer/ Mortgage Professional 05/2016 – 10/2016
Irving, TX
Providing sales support and strong communication to customers, processors, and management from loan pre-qualification to loan closing
Completing mortgage applications using company loan product system, including initial required documentation and stipulations and ensuring company policies and government regulations
Maintaining production reports for leads and sales contact, pipeline and other pertinent sales activity reports
Effectively managing and following up on leads generated through various marketing department efforts
Residential Credit Solutions – Retention Negotiator, Fort Worth, TX 08/2015 – 02/2016
Reducing delinquency on assigned loss mitigation portfolio by partnering with homeowners through the effective use of retention-based foreclosure alternatives such as loan modifications, repayment plans, unemployment plans and reinstatements
Evaluating financials, income, expenses, tax returns, income statements for self-employed borrowers, credit reports, valuations, title reports, et cetera of borrowers to determine the appropriate workout option best suited for their situation
Using verified mortgagor data to perform the loss mitigation workout eligibility analysis using software such as Fiserv, Back in the Black, Overture, Black night, LPS Desktop, et cetera.
Negotiating terms of the various workout alternatives with mortgagors, attorneys, MI companies, Fannie Mae, Freddie Mac, FHA/VA and private clients so that appropriate alternative can be recommended
Updating the servicing platform with the current status of the workout evaluation so that the mortgagor may receive real-time information from their assigned Relationship Manager or through the web portal
Working efficiently in a team-oriented atmosphere where support of other team members is critical to the department’s success
Ensuring adherence to current regulatory guidelines related to processing and decision timelines while identifying potential issues and escalating to management when necessary
Residential Credit Solutions - Mortgage Relationship Manager 11/2012 - 08/2015
Fort Worth, TX
Working with delinquent borrowers to bring their loans current by offering loss mitigation retention workouts such as loan modifications, repayment plans, reinstatements and liquidation workouts such as short sales, deed in lieu, etc.
Managing 200+ accounts monthly, taking inbound calls and making outbound calls to follow up on weekly basic
Obtaining, analyzing borrower financial information and maximizing loan recovery for customers to avoid foreclosure
Communicating with supervisors, managers, negotiators to provide best workout for each customer and up to date workout information.
Complying with federal, state, company policies and procedures
Train of new hires
Kemp & Sons General Services – Marketing Associate, Fort Worth, TX 01/2010 - 05/2010
Planned marketing strategies, business projects and commercials
T-Mobile Authorized Dealer – Sales Associate, Garland, TX 08/2008 - 11/2008
Demonstrated solid sales skills
Answered any questions concerning various of plans and services
ORGANIZATION
2020 Community Bond Advisory Committee 2020 - present
Fun-Fair-Positive Soccer 2019 - present
Honors Society 2017 - present
International Business Society 2009 - present
National Society of Leadership and Success 2010 - present
UT Arlington alumni 2011 - present
ACTIVITIES
2020 Community Bond Advisory Committee Member 2020 - present
Fun-Fair-Positive Soccer Coach Fall 2019
Residential Credit Solutions Leadership Development Program 2014 - 2015
Organized and recruited Richland International Students for University of North Texas tour
Choreographer and director of music of Vietnamese Students Association for Intercultural Festival show
AWARDS AND RECOGNIZATIONS
Residential Credit Solutions Call Quality Excellence certificate 2012 - 2016
Residential Credit Solutions Top Workout Producer 2013 - 2015
oCertificate of Achievement
Residential Credit Solutions Highest Quality Average 08/2014
oCertificate of Achievement
UT Arlington Outstanding Transfer Scholarship 2009 - 2010
UT Arlington College of Business Honor Roll Fall 2011
Richland College Vice-president’s Honor Roll Spring 2009
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