Driver
Resume:
Sherica Perry
**** ******* **** *. ************, FL 32219
***********************@*****.***
Professional Summary
• To obtain a professional position that incorporates diversified skills and knowledge with the ability to perform day to day operations.
• Gathered tax returns, paycheck stubs, verification of employment, foreclosure paperwork as needed, HUD documents and other documents as required.
• Examined and analyzed various asset documents; title commitments, credit reports and insurance policies to ensure completeness and accuracy for qualification of bank loan products.
• Ensured loans were processed in accordance with established bank guidelines with truth in lending rules and regulations.
• Reviewed and processed conventional, FHA, VA, Fannie Mae, and Freddie Mac loans
• Available immediately
Education
Gidden Security Training Jacksonville, Florida
Certification/License D Mar 2010
Jones College Jacksonville, Florida
Certificate in Medical Billing Coding May 2009
William M. Raines High School Jacksonville, Florida High school Diploma June 2000
Phoenix University Jacksonville, Florida
Bachelor’s in Science of Health Administration June 2020 Phoenix University Jacksonville, Florida
Master of Health Administration/Master of Business Administration Current Professional Employment
04/2016 – Present: In school
Black Girlz Rock Logistics Jacksonville, FL
Independent Courier Driver January 2021- Present
• A driver (independent contractor) working as a courier for client companies. Such as gigs, roadie, TBS factoring etc.
• Carrying items or goods like documents and packages.
• Using my own commercial cargo sprinter van to convey goods for companies, and/are paid per delivery or per loaded mile traveled.
Brillient Corp Jacksonville, FL
Loan Processor May 2020 – December 2021
• Assesses borrower's or lender's need for assistance from other sources and counsels accordingly.
• Processing, origination, servicing, guaranty purchasing and/or liquidating; but most of the time is spent on loans which are more "complex" or problematic.
• Analyze and make recommendations on transaction requests in accordance with existing Agency SOP's or guidelines.
• Evaluating credit worthiness by processing loan applications and documentation within specified limits.
• Determining all applicable ratios and metrics and set up debt payment plans.
• Reviews and associates trailing documents with their respective loan files or transfers files / documents to the appropriate SBA office.
Laser ship Jacksonville, FL
Independent Contractor January 2017 – May 2020
• Responsible for delivering documents and goods between locations
• Loading and unloading items, lifting to 70 pounds
• picking up customer materials, coordinating mail
• keeping in touch with the main office
• driving from one place to another and updating delivery records. Opus Jacksonville, FL
Underwriter April 2015 –December 2016
• Imaging, processing of loan review requests. Could approve and deny loan accounts.
• Assessing background information on the client payment history on loan accounts current and past due 24 month
• Review property's appraisal to ensure that it is accurate, and the home is approximately worth the purchase price and loan amount. reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value)
• Prepare reports detailing risk assessment findings and other data that contribute to lending decision.
• Completed in a timely manner according to investor/insurer, state, and regulatory guidelines.
• Perform data evaluation on information retrieved from hard money loan accounts.
• Used all appropriate adjustments, collecting total deductions, and credits.
• Viewing credit analysis and advising of credit corrections within company guidelines.
• Work with lenders to clear various title issues such as liens, lawsuits, and judgments.
• Prepared title commitments and title certificates for lenders
• After settlements, reviews, and audits property loans, ensuring final title policy and endorsement is received and lien is correct.
• Performed various duties as assigned by the Loss Mitigation manager, supervisor and/or Default Loan Servicing division. Ensure compliance with company policies and procedures. Meets targets for productivity, quality, and customer satisfaction.
• Knowledge of FHA, FNMA, FMLMC and VA documentation and general guidelines /standards. Bank of America Jacksonville, FL
Foreclosure Specialist Jul 2011 – Apr 2015
• Monitored foreclosure loans while ensuring that foreclosure actions on individual accounts are completed in a timely manner according to investor/insurer, state, and regulatory guidelines, minimizing financial losses to the company.
• Knowledge of FHA, FNMA, FMLMC, Conventional and VA Loans documentation and general guidelines
/standards.
• Use of Computer system As400, Black Knight (LPS)
• Communicates with management for issue identification and elimination
• Reviewing and collects interest, principal, and escrow payments from a borrower account.
• Consulted various organizations to document foreclosure proceedings, handling routine levels transactions with the oversight of senior staff and managers to complete the daily tasks and the ability to review complex financial documents, and reviewing credit reports.
• Administrative duties including but not limited to such jobs as imaging, processing of loan review requests, deferrals, administering Check by Phone or Skip Trace systems, processing affidavits, loan modifications, letter requests, reimbursements, check 21 (mailed payments) and other documents.
• Moving aged accounts to foreclosure sale, addressing low value properties timely, high balance reviews, lost liens to tax sale, prepare equity analysis with detail and accuracy, meeting FNMA timelines on each foreclosure file while closely monitoring attorneys and the overall quality performed on all daily job tasks. Work closely with attorneys on litigation and contested foreclosure matters. Maintaining FNMA metrics and protocols on all the foreclosure sales.
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Skills
o Typing (65 wpm) o Strong Analytical Skills
o Strong Oral and Written Communication Skills
o Excellent Problem Solving, planning, negotiating, and organizing skills o Ability to work in a fast paced, high volume environment, while practicing sound lending judgment
o Ability to quickly adapt to change, learn and apply new processes and concept o Strong Customer Service Skills o Commitment to teamwork o Tax Preparer o Self-Motivated o ICD-9 o CPT-4
o HCPCS
o
References Available Upon Request
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