Stiva Yazo

Buena Park, CA 714-***-**** ads4p6@r.postjobfree.com linkedin.com/in/stiva-yazo

Highly effective professional with over 15 years of experience utilizing influential skills in establishing business relationships and facilitating administrative operations. Committed in delivering exceptional client services, both internally and externally. Proven ability to successfully multi-task in a dynamic, fast paced environment while meeting deadlines. Excellent communicator who listens and asks questions to understand and accomplish the organizations goals and objectives. Core Competencies:

Computer Mtg, Mtg Pro, Proficient in Microsoft Office, Internet access, PeopleSoft, Lotus 123, Landsafe Credit, Data Trace, Doc Magic, Encompass, Bilingual in Arabic, Assyrian, and Chaldean Professional Work History:

Equity Prime Mortgage

Senior Underwriter-CHUMS HO79 2/2022 – 9/2022

• Loan submittals were reviewed in detail for internal, external and HUD guidelines for loan eligibility, provide details for each condition, performed manual underwrites for FHA/HUD guidelines.

• Evaluated every application for financial strength, customer service with brokers and external was a top priority.

Carrington Mortgage

Underwriter-Wholesale - CHUMS HO79 8/2012 – 2/2022

• Ensures that loan submittals meet external and internal loan eligibility requirements.

• Provided meticulous attention to detail in underwriting mortgages: perform manual underwrites to FHA/HUD guidelines.

• Evaluated the financial strength of borrowers to determine risk and repayment capacity, knowledge of real estate values and appraisal analysis.

• Demonstrated excellent follow thru with Brokers, Account Managers, Management throughout the UW process.

Old Republic Title

Processor/Auditor (Contract) 12/2011 – 08/2012

• Responsible for running daily report, distributing, assigning to the correct asset manager.

• Trained new hire on the process of executing a contract.

• Verifying every contract with the correct info, removal of NPI, worked closing with Bank of America Rep, Closing Dept, Asset Managers, Curative Dept. Signed every contract, reviewed every contract before executed.

• Point of contact for various closing companies.

Commerce Title

Grader –Curative 12/2010 – 12/2011

Stiva Yazo

Buena Park, CA 714-***-**** ads4p6@r.postjobfree.com linkedin.com/in/stiva-yazo

• Responsible for Inventory Management for Curative who handles all states.

• Handle escalation issue that arose and need urgent attention.

• Run reports daily to make sure issues are being taken care of on a daily basis.

• Interact with the FC Attorneys, Title, Client, and the Sheriff’s County to try and get docs to clear title. Also provide team support by working on other people’s files when absent or on vacation.

• Provide immediate attention to title issues shown on the title commitment to ensure marketability and insurability for our clients.

• Obtain title clearance by conducting diligent research for judgments, bankruptcies, delinquent taxes, foreclosure deeds etc.

• Acts solely as a third-party contact overseeing the foreclosure proceedings and maintain thorough communication between the Title Agent, Foreclosing Firm and our Client.

• Conduct cancelled/closed /cleared assets from our queue with use of the company search engines. Those Include: REO Trans,Data Tree, NETRonline, ResNet, Doc Management, RealQuest LPS

Resolution Coordinator/Grader/Trainer 12/2007 – 12/2010

• Responsible for reviewing REO, Foreclosure Title Commitments, making sure all judgments, Previous Mortgages, Child Support, Bankruptcies, and other issues not included in the Foreclosure are removed and property taxes are paid.

• Interact with the Examiners daily for any rush commitments that need to be audited.

• Cross training all new employees.

• Run reports daily for all new orders.

Quick Loan Funding

Doc Supervisor 4/2005 – 08/2007

• Responsible for the daily management of the docs, timecards, interviews, guideline, Managed 15 document/ doc drawers.

• Hired and trained all new doc drawers.

• Assigned and reviewed pipelines queue. Handled 6 months and annual reviews.

• Trained loan officers with examining title reports and applications.

• Worked closely with funding, escrow, title, and notary dept.

• Reviewed all credit report for qualified borrowers, hazard insurance, appraisals.

• Only manager in the document dept to having authority to clear docs for signings. monthly deadline.

• Examined and organized chain of title documents, (deeds, mortgages, liens, etc.) according to examining instructions to determine the overall state of the property in questioned.

• Researched properties in questioned to determine basis upon which a title insurance policy may be issued, using several resources such as: Data Trace, NETRonline and other County direct websites

• QC – verified and authorized all documents and approvals prior to Funding.

• Negotiated and handled all prior to funding issues and/or outstanding conditions on loans with Loan Officers and upper management.

• Responsible for generating reports and spreadsheets for upper management.

• Handled and received all Customer Service-related questions from other departments and Borrowers relating to status of loan, questions on documents and programs.

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