Mortgage Loan Processor

Deborah A. Buford

“I represent organizations by identifying clients need,

detailing available programs, managing relationships,

working with peoples.”

QUALIFICATIONS SUMMARY

Focused team building and leadership skills.

Skillful trainer and mentor

Effective facilitator and coordinator

Responsible for planning, coordinating, and evaluating the damages to support the occurring disaster with loan programs, including all activities for the loss verifications for the occurring disasters.

Experience estimating cost to repair to replace machinery, equipment, and inventory caused from disaster for and business property.

Experience estimating quantity of materials and costs for constructing or repairing homes and commercial properties.

Skilled in operating computers to prepare documents, access the internet and/or send and receive emails.

PROFESSIONAL EXPERIENCE

Digital Risk/ an Mphasis Company-

Remote- project for –

* Wells Fargo Mortgage Loans

H/R#1-844-***-****

*Started date to present

07/13/2020

Project end date

04/30/2022

Job Title: Modified Home Preservation Agent – Remote from home

Hours Worked: 40 hours weekly

Contact Team Manager: Mr. Donald Ridenour -# 702-***-****

Duties:

• Working remotely on a contract assignment- “The Stagecoach Project for Wells Fargo Mortgage.

Service and resolve inbound calls in a virtual setting from Consumers and/or agencies Lender Procedures routed through the call routing solution Universal Soft Phone (“USP”). Vendor Personnel will not place outbound calls to the Consumers or agencies.

Provide information regarding benefits/terms of forbearance plan, forbearance approval letter and post forbearance options.

Input the appropriate code into the Lenders System if the customers requested to extend, not extend, or opt out of the forbearance plan.

If the customer was interested in an informal repayment plan, the Agent worked to the Lenders Account a resolution to assist in setting up to bring the customer current.

Assisted the customer interested in other loss mitigation options and/or does not qualify for the informal repayment plan for Home Preservation.

Process Consumers’ payments within Easy Pay Plus if requested by customer. Vendor Personnel shall request Consumer checking account number and bank routing number and input into Easy Pay Plus, if requested by the customer. No payments will be solicited from customer from Vendor Personnel.

If customer utilizes trigger words regarding a complaint, Vendor Personnel must follow appropriate steps to document the system and follow all Lender Procedures.

Upon Customer’s request, assisted Consumers to a home mortgage consultant to discuss refinance and purchase options.

Ensured to follow CARE Quality Assurance guidelines and scripts (e.g., greeting, customer, verification, required disclosures etc.), as documented in Lender Policies and Procedures when handling telephone calls.

Small Business Administration – Herndon, Virginia

* Start date-09/23/2017-until 06/28/2018 contract- temporary

*Job Title: Construction Analyst - (Loss Verifier) / Reviewer Inspector- dated from -09/23/2017- until -12/23/2017 - * workstation at the Crowne Plaza work-center- Herndon, Virginia

Hours Worked: 40-60 hours weekly – GS-9

Contact Team Lead Supervisor: Ms. Sheila Wilbur 800-***-****

Duties:

● Interviewed applicant/s by telephone to discuss the damage to write a report to determine the cause and extent of the disaster related damage information for a loan processing decision.

● Conduct damage assessments to personal, real estate and business property that resulted from a declared disaster. Determine the extent of the damage, estimate the cost of repairs of replacement of damaged properties, and worked primarily in disaster affected areas.

● Determine the cause and extent of damages and methods of making repairs to residential and business structures.

● Estimating the cost to repair and replace personal, businesses and commercial properties.

● Using computers and iPads to upload, retrieve, and complete work assignments and perform internet research. Skill in operating computers to prepare documents, access the internet and/or sent and retrieve emails.

* Job Title: Construction Analyst- (Loan Reviewer) *dated from (12/23/2017) to (02/28/2018)

Hours worked: 40-60 hours weekly- GS-9 - workstation in SBA/ Herndon, Virginia/Corporate

Contact Team Lead Supervisor: Mr. Tim Brogan-800-***-****

Duties:

● Reviewing reports from the (Loss Verifier) to review the information gathered estimating the quantity of the materials and costs for the repairing of the home/s or business/es. Submit reports after the reviewer verification information for a loan processing review and decision.

*Job Title: Desktop Reviewer at Duty Station / Home - Baton Rouge, LA* (02/28/2018 to (04/23/2018)

Hours Worked: 40-60 hours weekly – GS-9

Duties:

● Reviewing reports from the duty station/ at home from a laptop. Reviewing reports from the (Loss Verifier) to review the information gathered estimation the quantity of the materials and costs for the repairing of the home/s or business/es. Submitted reports after the review information for a loan processing review and decision.

Job Title: Construction Analyst (Field Reviewer) – San Juan, Puerto Rico -dated (04/23/2017 to (05/28/2018)

presently – at Duty Station on layoff status (company lack of work) - after completion of 2 months job project duty in San Juan, Puerto Rico.

Hours Worked: 40-60 hours weekly – GS-9

Contact Team Lead Supervisor: Mr. James Van Maren 703-***-****

Duties:

● Visit project sites to determine conditions of off- site construction or demolition to write a Post Desktops. Evaluate projects sites for unusual site conditions such as the structure, roof, wall, or other design problems that may increase the site development cost or decrease the value of the home or commercial property.

● Determine repairs needed on site construction to bring the construction up to acceptable standards so a determination on feasibility of rehabilitation can be made. Review the description of proposed housing rehabilitation to ensure the reflects agreements reached at the joint inspections of architect, sponsor, etc. Review the economic if construction requires of demolition weighed against cost of rehabilitation and review the suitability of the rehabilitated project to accommodate needs of the occupants. View plans and specs. For the residential or commercial properties.

Crescent Bank

Job Title: Customer Relation Representative / Collector

Hours Worked: 40- 60 hours weekly

Contact Supervisor: Ms. Tomorrow Thomas 225-***-****

- from 08/31/2015 to 09-05-2017

DUTIES:

●Handled various customer inquiries regarding the status of their automobile loan accounts

● Collected payments from customers of the past due front-end accounts from 5- 10 days of delinquent status.

● Collect on the automobile accounts to bring the borrowers account currents.

● Adjust all delinquent accounts assigned in accordance with the collection department guidelines, and applicable laws and regulations.

● Counsel customers for up-to-date payment arrangements on all incoming and outgoing phone contacts.

● Assisted incoming calls from customers, auto dealerships and other lenders with questions regarding the status of loan accounts at Crescent Bank

● Assisted customers complaints, resolves problems or refers customers to appropriate bank representative for resolution.

Green Tree Mortgage Service, LLC

Job Title: Account Executive Collections Representative

Hours Worked: 40-60 hours weekly from 03/2013/ to /02/2015/

DUTIES

● Manage individuals’ mortgage loan accounts at the 30, 60, 90, day level.

● Negotiate payment arrangements with the goal of keeping the borrowers in their homes and foreclosures and repossessions to a minimum.

● Keep lines of communication open after payment is received to allow for early intervention and preempt future delinquency.

● Utilize all available skip tracing tools to locate the borrowers whose current contact information is inaccurate.

● Achieve production standards set each month working accounts thoroughly and properly according to state and federal guidelines.

The Shaw Group, Inc.

Job Title: Monitor – EBR Isaac Debris Removal Project 1year project started 09/15/2012 ended 10/15/2012

Hours Worked: 40-60 hours weekly

● Serve as a monitor for debris removal operations in monitoring of the trucks with the removal of the debris in East Baton Rouge parish from the result of Hurricane Isaac in compliance with all applicable federal, states and local requirements related to debris removal.

● Working collaboratively providing guidance to the disaster survivor working with FEMA programs. Provided guidance for the local governmental agencies to assist people with disabilities to access their needs.

NATIONWIDE MORTGAGE COMPANY 09/2007 – 11/2010

Job Title: Account Executive, Mortgage Loan Officer, and Underwriter

Hours Worked: 40-60 hours weekly

Developed marketing campaigns to attract wholesale customers. Managed resulting relationships. Worked closely with operations team to ensure that loans generated met underwriting and quality guidelines.

● Investigate and evaluate credit history to determine credit worthiness of the applicants.

● Processed and reviewed and underwrite loans and made recommendations on collateral needed to secure the loans.

● Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

● 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.

● Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

Spent 80% of time outside the office marketing and soliciting prospective wholesale clients. Consultative approach to sales was vital for closing deals and maintaining long-term, profitable relationships.

Worked on many non-conforming loans for clients with credit problems. Taught clients how to clean their credit so they could achieve their goal of homeownership.

WELLS FARGO HOME LOAN 2/2005 –12/ 2007

Job Title: Account Executive

Hours Worked: 40-60 hours weekly

Built working relationships with mortgage brokers. Trained clients and their employees on programs, processes, and guidelines so they could accurately represent available products to customer base.

Supported broker sales, working with internal teams to expedite mortgage loan processes. Improved company performance and profitability through feedback to management.

Provided ongoing training regarding complex mortgage products, multiple-page forms, and detailed consumer protection disclosure requirements. Updated brokers on ever-changing Federal and State regulations, guidelines, and lending laws.

SUNSET MORTGAGE COMPANY, LP 05/2004 – 01/2005

Job Title: Mortgage Loan Originator

Hours Worked: 40-60 hours weekly

Established long-term relationships with real estate agents to generate mortgage loan customers. Assisted agents with sales process to strengthen relationships with prospects.

Pre-qualified applicants and closed loans for home purchases, refinances, construction, and commercial projects.

AMERICAN FIDELITY MORTGAGE BANKING 1997 – 1999, 2000 – 2004

Job Title: Mortgage Loan Originator, Account Executive, and Senior Mortgage Loan Underwriter

Hours Worked: 40-60 hours weekly

Originated loans and educated customers on available options. Submitted loans for underwriting and reviewed settlement statements prior to closing.

Recruited and managed team of brokers to promote company mortgage products.

Facilitated internal processes regarding customer information clarification and loan status updates to brokers.

PRIME MORTGAGE SERVICES, INC. 10/1999 –01/ 2000

Job Title: Underwriter and Training Coordinator

Hours Worked: 40-60 hours weekly

Trained new loan officers on program details, Federal and State laws, and other guidelines.

Performed credit reviews, loan analyses, and appraisal reviews in conjunction with underwriting mortgage loans within the guidelines of different non-conforming investors.

EARLY CAREER

UNICOR MORTGAGE – Team Leader and Analyst

PREFERRED CHOICE MORTGAGE COMPANY – Mortgage Loan Processor

HIBERNIA NATIONAL BANK – Originator Asst., Mortgage Loan Processor, Shipping Coordinator, Underwriter for Mortgage Loans- conforming & non-conforming

EDUCATION

●attending – * Online Master study program in psychology.

*Need 5 hours to complete program- master’s degree program not complete -Completion date-/October-2022

Capella University – Harold Abel School of Social and Behavioral Sciences - Online Program Study - studying (Master of Science (MS) Psychology -

UNIVERSITY OF PHOENIX, Phoenix, Arizona – rec’d Bachelor of Science Degree, Management, 2008

Previously attended UNIVERSITY OF MISSISSIPPI, Oxford, Mississippi, 1976

Previously attended MISSISSIPPI VALLEY STATE UNIVERSITY, Itta Bena, Mississippi, 1974

CERTIFICATION

TWIC- Transportation Worker Identification Credential

ARSC- Association of Reciprocal Safety Councils, Inc.

REFERENCES

1) Peggy Bain- VP, Mortgage Loan Underwriting – Telephone number 225-***-****

2) Dr. Iris Lott- Manager, East Baton Rouge Parish – Telephone number 225-***-****

3) Tomorrow Thomas – Manager, Resource One Bank – Telephone number 225-***-****

Contact this candidate