Mortgage Specialist

MARIA BERTA SALMERON

*************@*****.***

Cell: 469-***-****

SKILLS/QUALIFICATIONS:

Well-rounded experience in collections, loss mitigation, bankruptcy, proof of claims, mortgage insurance and loan processing/closing

Strong communication, organizational, negotiation and problem-solving/analytical skills. Experienced with calculating income.

Superior customer service, written and verbal communication skills, and the ability to multitask in a fast-paced environment. Can interpret procedures and instructions to choose among alternatives to seek resolution. High attention to detail - able to detect anomalies and take corrective action. Self-managed and can prioritize workflow and help identify process improvements. Proven level of high productivity and low rate of errors. Excellent interpersonal skills - able to develop strong working relationships with employees, peers and management. Proficient in a goal-oriented environment and ability to work in a high production environment. Advanced analysis skills in the areas of credit, layered risk, and income NMLS (inactive) and Safe Act Certified

Systems utilized: Microsoft Office (Excel, Outlook, PowerPoint, OneNote, Word, etc.) Encompass, iAssign, FileNet, Citrix, CHIP, HERMIT, Precedent, LAFA, SSE/UI, FHA Connection, USDA sites, DRI, (Many systems used were not known to me, especially in the government, SBA, position)

WORK EXPERIENCE:

PennyMac Loan Services April 2020 – Present Mortgage Insurance Specialist - 40 hours Perform all duties in accordance with all company guidelines and applicable federal. State, and local regulations. Process and disburse FHA/RHS PMI insurance premiums Research Mortgage Insurance issues and take appropriate action to correct problems Handle multiple tasks with deadlines. Attention to detail and deliver expected results Communicate with FHA/RHS PMI to obtain information Research refunds received from FHA/RHS PMI companies. Apply monies accordingly and handle “cash management” flow Work monthly reports to find anomalies in borrower data in PNMAC systems –vs- FHA/RHS systems and correct them Perform other duties and special projects as assigned New Bold Adv isors January 2020 – April 2020 Mortgage Insurance Specialist - 40 hours CONTRACT FOR PENNYMAC

Process job functions in accordance with established (Service Level Agreement) SLA Research and analyze consumer accounts in order to respond to inquiries Responsible for researching the mortgage servicing platform to ensure accurate and timely data is updated on each account Meet outlined production and quality standards

Obtain appropriate management approvals for escalated issues or disbursements Perform other related duties as required and assigned Demonstrate behaviors which are aligned with the organization’s desired culture and values Solomon Edwards Group Irving, TX Nov 2019 – January 2020 BOA HUD Assignment- 40 hours CONTRACT FOR MR. COOPER

Responsible for gathering documentation. Docs were HUD-1, Mortgage, Note, Appraisal, Flood Certs, Legal Descriptions, Addendums, Loan Apps, VA Apps, Name Affidavits, Title Policy and Commitments, Tax Information, Hazard Insurance Prepare the supporting documentation for HUD

SBA Ft. Worth, TX Sep 2019 – Oct 2019 Loan Officer/Underwriter-Bilingual Spanish 40 hours SEASONAL

Responsible for analyzing highly complex financial and credit information according to internal SBA standards as well as reviewed more complex loans requiring exceptions

Perform financial analysis and make underwriting decisions and/or recommendations on all loan files Analyze information collected and approve or deny credit request within lending limit and guideline Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions

Compile, analyze, and document loan data and credit risk, borrower and property information. Assist in the administration of digital credit files, receipt of financial and clearing, identifying and / or mitigating exceptions Analyzing financial trends (income statements, cash flow, etc.) Adhered to all applicable internal NPI policies and procedures and protected the confidentiality of borrower information. Process loan applications on web-based computer system Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries Responsible for providing strong and clear communication to borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time

Solomon Edwards Group Irving, TX Jul 2019 – Sep 2019 BOA HUD Assignment- 40 hours CONTRACT FOR MR. COOPER

Responsible for gathering documentation. Docs were HUD-1, Mortgage, Note, Appraisal, Flood Certs, Legal Descriptions, Addendums, Loan Apps, VA Apps, Name Affidavits, Title Policy and Commitments, Tax Information, Hazard Insurance Prepare the supporting documentation for HUD

Randstad Staffing Carrollton, TX May 2019 – Jul 2019 Collateral Coordinator/Inventory Control (Mortgage) 40 hours CONTRACT FOR FAIRWAY MORTGAGE

Responsible for gathering documentation. Docs were HUD-1, Mortgage, Note, Appraisal, Flood Certs, Legal Descriptions, Addendums, Loan Apps, VA Apps, Name Affidavits, Title Policy and Commitments, Tax Information, Hazard Insurance Prepare the supporting documentation for several banks Solomon Edwards Group Irving, TX Feb 2019 - (Layoff 5/31/2019) Contract Recovery Specialist (Mortgage) 40 hours CONTRACT FOR MR. COOPER

Prepare the supporting documentation files for claim packages to recover monies from previous servicers Docs were HUD-1, Mortgage, Note, Appraisal, Flood Certs, Legal Descriptions, Addendums, Loan Apps, VA Apps, Name Affidavits, Title Policy and Commitments

SBA Ft. Worth, TX Jan 2018 – (Layoff 2/15/2019) Loan Officer/Underwriter-Bilingual Spanish 40 hours SEASONAL

Responsible for analyzing highly complex financial and credit information according to internal SBA standards as well as reviewed more complex loans requiring exceptions

Perform financial analysis and make underwriting decisions and/or recommendations on all loan files Analyze information collected and approve or deny credit request within lending limit and guideline Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions

Compile, analyze, and document loan data and credit risk, borrower and property information. Assist in the administration of digital credit files, receipt of financial and clearing, identifying and / or mitigating exceptions Analyzing financial trends (income statements, cash flow, etc.) Adhered to all applicable internal NPI policies and procedures and protected the confidentiality of borrower information. Process loan applications on web-based computer system Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries Responsible for providing strong and clear communication to borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time

Assure efficient and appropriate measures are used to achieve strategic objectives as well as ensure guideline compliance and evaluate loan feasibility

Citibank, N.A. Irving, Texas Aug 2017 – Dec 2017 Premier Mortgage Rep2 (Mortgage Originations) 40 hours Mortgage Subject Matter Experts (SMEs) requiring complex system, policy & procedure proficiency for mortgage originations Effectively onboard loans, sourced by sales, utilizing product, guideline and pricing knowledge. This includes following all protocols required for a compliant application process. Perform QC audit reviews for sales and provide feedback / coaching on solutions Provide training and support for sales on inbound sales support requests via telephone, email, or internal messaging Offer IT support/triage; escalate trouble tickets as necessary Consulted with Mortgage Sales employees on customer financial situations; this included collecting and analyzing information about the customer's financial situation, financial and personal objectives, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history Work with Loan Officers to provide proper procedure and guidelines questions, answer system, policy and procedures questions and offer remote assistance to Mortgage Sales employees. Tasked with multiple responsibilities throughout each day that includes i nbound & outbound phone queue management, and follow-up on support inquires and requests.

All aspects of the job contained various systems to operate in for accurate reporting and tracking of PLD employee production. Engage in potential customer service situations with potential or current Citi Mortgage Clients CitiMortgage Irving, Texas Feb 2009 – Aug 2014 Bankruptcy Specialist 3 (Document Research/ Proof of Claims Auditor/Filer) 40 hours

Order, monitor, analyze and evaluate missing documents to complete proof of claim filings Understanding written sentences and paragraphs in work related documents Met daily productivity ensuring accuracy. Daily objective 20/25 files, completion rate at 150% daily productivity Attention to detail in attested notes, endorsements, mortgages, and assignments Prepared and filed Proof of Claims in a timely manner. Daily objective completion rate 125% monthly productivity Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules Maintained excellent working relationships with bankruptcy personnel, outside counsel and departments within the bank Adherence to pertinent laws, regulations, bank policies and external compliance requirements Knowledgeable of bankruptcy code and general collection law requirements Ordered interior/exterior appraisals/ flood certifications and retrieval of same Utilized advanced negotiation skills to resolve escalated complaints FHA Modifications (Loan Processor/Closer) 40 hours Knowledgeable in all aspects of the loan process. From registration, clearing conditions, tracking a pipeline and compliance

(FHLMC, FHA, VA)

Develop loan modification applications by evaluating applicant information and documentation Verify and analyze loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations

Improved loan applications and documentation by informing applicant of additional requirements Reviews loan application files to verify that all data is complete and meets standards, including the loan type and purpose, borrower assets, liabilities, and employment

Reject loan modification by explaining deficiencies to applicants Analyze loan packages for any sign of fraudulent documentation or information Review and clear all underwriting conditions prior to closing and record data to track the status of loans in processing Proactively communicate and initiate contact with representatives/clients to assure timely closings of loans Complete loan modification contract by explaining provisions to applicant; obtaining signatures and notarizations Out of standard and production reports consistent at 115% monthly Submit loan application files to underwriting for approval, creates and mails approval or denial letters to applicants Responsible for processing loans from set-up to closing by verifying, compiling and entering borrower information in to loan processing systems

Loss Mitigation Specialist 3 / Work from Home 40 hours Contacted delinquent customers to effectively resolve complex issues regarding past due payments while minimizing company losses

Considered relative costs and benefits of potential actions to choose the most appropriate one Actively looking for ways to help people

Identified complex problems and reviewing related information to develop and evaluate options and implement solutions Familiar with foreclosure laws and timelines, bankruptcy proceedings, forbearance agreements, short sales, sale of note, modifications, and deed in lieu of foreclosures

Possess strong knowledge of collection laws

Knowledge of investor requirements

Direct contact with customers, realtors, brokers, attorneys and title companies Document accounts with written summaries explaining reasons for default and additional resolution possibilities Achieved individual and team performance targets at a monthly performance rate between 115-150% CitiFinancial Auto / Backend Collector III Irving, Texas Nov 2007 – Feb Home Agent 40 hours Primary responsibilities were collecting

Negotiated with as many customers as possible to resolve delinquency problems Used computerized system for tracking, information gathering and/or trouble shooting Collaborated with other risk operation departments to develop and oversee processes to achieve portfolio loss and expenses Identified and addressed early and late stage collections servicing requirements, volumes, timelines, etc. for portfolio Achieved individual and team performance targets at a monthly performance rate between 115-150% PREVIOUS EXPERIENCE

Aetna Health 40 hours Arlington, Texas Mar 2017 – Aug 2017 GPISD 40 hours Grand Prairie, Texas Nov 2015 – March 2017 Santander Consumer USA 40 hours NRH- Late Stage Account Specialist July 2015 – Nov 2015 Workway Temp Agency 40 hours Irving, Texas Feb 2015 – Jul 2015 Contracted to Hudson and Marshall Self Employed 40 hours Grand Prairie, Texas Sep 2014 – Feb 2015 CERTIFICATIONS & TRAINING

Safe Act

NMLS (Inactive)

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