Servicing Specialist Loan

Objective

Seeking position in the financial and mortgage banking industry. Enjoy handling multiple projects simultaneously while utilizing my skills and abilities. Effective communicator and embrace the opportunity to support the efforts of multiple departments while thriving in a fast-paced environment.

Freedom Mortgage Dallas, TX

Closer/Processor 10/2019 – 12/2021 Served as point of contact throughout the closing and funding process. Answered closing questions for internal and external parties. Prepared closing package, collaborated with attorneys, loan originators during CD preparation, and send file to Loan Closing. Followed up with clients to confirm they understood documents signed and answered any questions. Obtained property tax information, verified accuracy with title companies and tax collectors. Calculated escrow taxes/insurance to assure ample amount were collected for next due date. Reviewed hazard insurance premiums to guarantee enough coverage was taken out to protect both the lender and the borrower from financial loss, in the event of structure damage. Processed and prepared retail mortgage loans, Conventional, FHA, VA, HARP, and Refinance, under various loan programs in accordance with policies & procedures. Reviewed signed disclosures for accuracy on all supporting documents; confirm and verify all fees. Analyzed credit to ensure it meets FACTA regulations and Fraud Prevention. Order Outs included, but not limited to: VOE, Appraisal, FHA case numbers, COE for VA, HOA Condo review, Sub-Agreements and Title. Manage daily work expectations and turnaround times while working remotely. Partner with leadership teams to collaborate and manage projects that create better business processes that align with industry change.

Nationstar Mortgage Chandler, AZ

Loan Servicing Specialist 12/2015 – 10/2018

Supported the servicing of default and non-default VA mortgage loans. Answered inbound and made outbound calls to resolve delinquencies and offered workout alternatives to foreclosure. Answered questions pertaining to all areas of loan servicing. Processed phone request from third parties and internal staff for payment histories, amortization schedules, payoffs, verification of mortgage and documentation requests. Reviewed transaction history, payment activity, escrow disbursements, rates, and payment reversals. Processed annual and manual escrow analysis. Verified disbursement frequency for accuracy and validate surplus and shortage. Responded to consumer calls and emails related to cancellations of PMI in accordance with investor guidelines. Work with new merger and acquisitions team, welcoming new members and explaining pre-boarding process. Resolves new loan boarding issues and complaints to ensure the timely and accurate conversion. Transferred any missing flood certificates not transferred from prior servicer. Validated hazard payee conversion and force place insurance dates. Established liaison relationships with prior servicer, contacted them for clarification of data and secure documentation to support conclusions. Ensure all procedures were in compliant with government regulations and company policies.

EDUCATION:

Allstate Business College Certificate Dallas, TX

AZ School of Real Estate Certificate Phoenix, AZ

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