203-***-**** (C)

Professional Background

Citizens Bank

Credit Underwriter

adrs3y@r.postjobfree.com November 17 to April 21

Robert Half/Accounting

Liberty Bank

Loan Servicing Insurance/Escrow

Denise W. Antunes 40 Fountain Terr New Haven, CT 06515

• Underwrite consumer credit card applications, credit line reviews and overdraft exceptions resulting in an approval or a decline while meeting productivity requirements and service level objectives.

• Respond to and resolve all customer inquiries and 2nd review requests, including auditor reviews

• Refer credit card requests outside of lending authority to management with recommendations

• Communicate with internal and external customers to explain decisions and requests for

• additional documentation, when necessary

• Analyze credit bureau reports, risk scores and application data to make sound

lendingdecisions that meet internal and regulatory policies

Bridge Technical Talent, LLC Webster Bank

Credit Review

Responsible for setting up 0iles for review.

Ordering credit reports, copies of 4506’s, Appraisal.

Sending letters out re-verify borrower(s) employment, Income & Assets. Handling incoming daily mail, Scan and breaking 0iles down to be sent to imaging. Help reviewing 0iles.

May 16 – December 16

Aug 15 – May 16

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Responsible for tracking and payment of hazard and 0lood insurance.

Respond to incoming telephone inquiries from existing and potential customers and front line employees. Provide basic information regarding the Bank’s services in a professional and courteous manner

Process referrals for new loans and deposit accounts.

Set-up Preauthorized payments and one-time payments.

Scan and upload insurance documents into Miniter system.

Total Mortgage

Mortgage Closer

Jun 14 – Nov 14

Approving HUD1, sending closing documents, verify payoffs, verify Homeowners insurance,

Verify loan has been approved by Underwriting, Verify Subordination Agreements, Tax Escrows, Rates and Points, POA

ISGN Oct 12 – Oct 13

Mortgage Closer

Approving HUD1, Harp/Conventional loan, sending closing documents, Verify payoff and latest GFE;

Verify loan has been approved by Underwriting; Verify Subordination Agreements, Flood Certi0icate, Tax Escrows, Rates and Points; POA;

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Verify HOA, property is not in current disaster area, MI Certi0icate, Order VOE within 3 days of closing. Coordinating and monitoring all re0inances with Attorneys and Customers.

National Default Servicing

REO Closer

Feb 06 - Aug 10

Training of new closers;

Responsible for coordinating and monitoring all pending resale transactions from contract to closing;

Provide follow through with any and all home inspections, mortgage and closing contingencies;

Review all title closing documents/approving HUDS to insure compliance with terms of the contract of sale an consistent with local law;

Resolve title issues relating, but not limited to, previous judgments, liens and conveyance of special assets;

Mortgage Lenders Network Apr 04 - Feb 06

REO Closing Specialist

Assign and open up the REO workstations for new 0iles;

Responsible for coordinating and monitoring all pending resale transactions from contract to closing;

Review contract of sales, closing documents, settlement statements to insure compliance with local law;

Provide follow through with any and all home inspections, mortgage and closing contingencies;

Review all title closing documents to insure compliance with terms of the contract of sale an consistent with local law; Maintain continues contact with realtors and attorneys;

Follow-up on all bills after closing of property, coordination of receivership of closing proceeds, preparation of MLN REO Charge off form.

Superior Closing Services Jan 01 - Apr 04

Paralegal

Maintain positive relationships with four major clients to create account retention and increase volume;

Ordering Mortgage, IRS and Child Support payoffs and releases to clear titles;

Prepare documents for closings (example: quit claim deeds, name change af0idavits and subordination agreement and HUDS;

Responsible for continued knowledge of working 0iles to quickly and ef0iciently answer inquiries from loan of0icers and processors on their status.

Computer Skills

Microsoft Programs, Of0ice outlook; I-Max; Lotus Notes;PLX, Fidelity, Softpro, Protrust; Insight, Path0inder, Total Vision, MGIC,

Education

University of New Haven - Realtor Estate 1987 Stone Business School - Business 1983

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