Angela M Flores

http://www.linkedin.com/in/angela-m-flores/2b766b93

San Bernardino, CA 92407

adrr46@r.postjobfree.com

Mobile: 909-***-****

PROFESSIONAL SUMMARY

Mortgage Servicing Specialist with over 10 years of experience in the Mortgage Banking industry and a specialty in Underwriting as well as Foreclosure related issues. Rated as a “Top Performer” with a consistent track record for meeting or exceeding production goals and management expectations. Well organized with great time management skills. Adept at training staff on procedures, protocols, best practices, and providing management team-building exercises to help increase production and morale. Works well independently as well as collaboratively on a team. Areas of Expertise include:

Research Analysis

Data Validation

Underwriting

Auditing

FHA/CALHFA/GNMA

Customer Service

Compliance

Invoicing

Policies and Procedures

Foreclosure Specialist

Quality Assurance

Problem Solving

Fannie Mae & Freddie Mac UW guidelines

Strong Communication

PROFESSIONAL EXPERIENCE AND ACHIEVEMENTS

Freedom Mortgage - San Dimas, CA 9/2017 to Present

Customer Research Specialist

Reviewing and fulfilling requests for loan documents.

Complete third-party authorizations requests.

Create standard payoff statement requests.

Respond to written correspondence.

Process ACH requests.

Regular system updates and maintenance.

Complete Verification of Mortgage requests.

New American Funding – Santa Ana, CA 4/2016 to 9/2017

Post-closing Specialist

Responsible for clearing all prior to purchase conditions.

Ensures all docs are correctly executed as needed.

Communicates with Loan processors, Underwriter’s, production assistants, ETC. to obtain documentation as necessary.

Maintain & update my pipeline daily

Ensured loan submittals met internal and external eligibility requirements.

Carrington Mortgage Services - Anaheim, CA 05/2015 to 4/2016

Foreclosure Specialist II

Communicates with attorney’s/trustees via Lenstar regarding delays and requests for information. Utilizes all department reports to manage pipeline.

Ensures all attorney fees/costs and foreclosure costs charged are within Investor, Fannie Mae, FHA, VA, and PMI allowable fees schedules.

Completes monthly, investor/client, PMI, VA, and FHA (SFDMS) reporting.

Complete full audit, on all documents to ensure all policies and procedures were followed correctly.

Assist Quality Assurance with policies & procedures. Provides recommendations, on how to improve the department’s goal.

First Mortgage Corporation - Ontario, CA 09/2014 to 05/2015

Foreclosure Specialist I

Maintain and update all portfolios by State, given by foreclosure management.

Prepare all audit invoices for formulation of legal bills within required timeframe.

Prepare all notices of default as per terms of deed of trust on mortgage.

Assist attorney in title search operation and check all title issues in coordination with supervisor.

Evaluate and examine file prior to foreclosure sale date to formulate bidding instruction and communicate same to lawyer.

Oversees a broad set of activities that include managing a portfolio of loans in default, loan modifications, document validation, NPV modeling, second mortgage modifications, short sale/DIL, and answer technical foreclosure questions.

Angela M Flores, adrr46@r.postjobfree.com 909-***-**** Page 2 of 2

Promontory Financial Group – Irvine, CA 10/2011 to 01/2013

Compliance Analyst II

Escalated Operational issues and solutions to Senior Manager.

Ensured loan submittals met internal and external eligibility requirements.

Identified gaps in Policies and Procedures while serving as liaison between regulatory agencies and department handling compliance.

Provided Compliance support including monitoring programs to ensure compliance with federal and state laws in addition to internal compliance was met.

Assisted with Underwriting FHA, VA, and Fannie Mae loans.

Communicated updates to compliance with regulatory requirements that impacted the company, including Regulations Z and B, RESPA and HMDA.

Handled internal Audits, that of files ordered by the Office of the Comptroller of Currency (OCC).

Bank of America – Brea, CA 08/2007 to 11/2010

Senior Credit Analyst III

Analyzed credit and financial reports to determine risk involved in loaning money or extending credit.

Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk.

Worked with Collection department to minimize bad debt risk and maximize accounts receivables.

Responsible for obtaining important data from credit bureaus, as well performing credit support and financial analysis on information received.

Ameriquest Mortgage Services – Rancho Cucamonga, CA 04/2004 to 07/2007

Underwriter

Underwriting retail and wholesale “A” paper to Subprime loans from submission to close in a timely matter.

Opened Escrow, ordered Title Reports, Payoff Demand Statements and Estimated HUD forms.

Verify all documentation and perform necessary calculations such as debt-to-income and disposal income.

Performed loan underwriting on Conforming, Non-Conforming, Subprime and Government loans.

Reviewing funding loan packages to ensure all required documentation and final conditions have been met.

Review mortgage loan submissions and issue Conditional Loan Approvals in compliance with Investor and Bank guidelines.

TRAINING & RECOGNITION

100% Quality Assurance Award

Fannie Mae/Freddie Mac Training

Conventional, FHA, VA, CALHFA, GNMA

Board Certified Lending Authority

SKILLS & EXPERTISE

Strategic Thinking

Attention to Detail

Customer Service

Problem Solving Skills

Strong Analytical Skills

Auditing Financial Data

Sagent

Alltel

Microsoft Applications

MSI, MSP, EDMS

Nautilus Fiserve

Salesforce

Vendorscape

CRM Tool

Lenstar

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