Debbie Merritt- Ford

Brooklyn, New York *****

347-***-****

Email: adp0na@r.postjobfree.com

My objective is to work for an organization who desires to have a professional and focused individual on their team to succeed in an ever growing and changing climate.

Computer Skills:

Mortgagebot, (Wang, Oracle) Application, Microsoft Office, Outlook, Discoverer, Crystal, Symitar, Episys Quest, Harland, Zendesk, Encompass, DNA, Lender Link, Nautilus

Skills/Qualifications: Customer Service, Focus, Problem Solving, Documentation Skills, Listening, Office Management, Conflict management, Analyzing, Multi-tasking, Organizational and communication skills

Professional Experience:

New York Municipal Credit Union

Sr. Mortgage Servicing Representative 03/13 – 08/21

Processed first mortgage, HELOC, and second mortgage payments.

Reviewed loans prior to onboarding and set up profiles in CORELOGIC for tax information.

Processed and set up Homeowners Insurance, PMI, and Escrow

Oversaw payoff, CEMA’s, VOM’s and payment reversals

Prepared PMI cancellations according to requirements/guidelines received from Members and thru PMI threshold notifications.

Prepped Loan Modifications and Forbearance Agreements when received from Loss Mitigation/Collections/Default Management ensuring the request meets the guidelines and directives provided by the GSE’s, Federal and State regulations and MCUs Chief Lending Officer and Chief Compliance Officer.

Consulted customers on cancellations for HOI and Flood insurance and administered Force Placed Insurance policy as applicable.

Responded to and resolved credit disputes, credit report issues, and reviewed the E-Oscar report for corrections.

Performed Escrow Analysis made account adjustments within the Servicing System, validated, and tested the notifications for accuracy.

Managed individual pipeline to safeguard service levels, production, quality, and compliance within the Closing.

Examined Note, Mortgage and Title, and Closing Disclosure Document for Compliance and accuracy.

Determined if legal documentation is missing from closing package and follow-up with appropriate party.

Debbie Ford

First Citizens Bank-Loan Operations

Loan Documentation Specialist 06/07- 09/08

Processed and ensured accuracies of loan documentation for closing.

Entered financial information into the loan system accurately.

Performed all other clerical and administrative duties

Ensured that all necessary documentation was included in the loan package prior to closing.

Ensured that all work has been completed and departmental service levels have been met.

Analyzed and recommend changes to the systems and operational procedures that will improve the delivery of services.

Resolved any problem, issues, or questions, both verbally and in writing to ensure customer satisfaction.

Complied with bank policies and federal, state, and other governmental rules and regulations for multiple banks in multiple states.

Other duties assigned as needed by Escrow Supervisor/Management

Opened and distribute mail daily.

NYC Housing Development Corporation-Treasury Department

Senior Servicing & Billing Administrator 06/97 - 06/06

Processed and paid escrow real estate property taxes, water/sewer bills and insurance premiums for multi-family owners

Researched and resolve resolved discrepancies internally and externally City Agencies using appropriate databases

Assisted the Vice President and Assist Vice President of Loan Servicing Department in day-to-day operations

Trained Mortgage Servicing Representative

Recover outstanding credits from the New York City Department of Finance and New York City Water Board

Reviewed property and commercial insurance certificates and policies.

Assisted in Billing Calculation monthly.

Setup wire transfers

Performed all other clerical and administrative duties

Setup new account

Setup wire transfers

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