Foreclosure Specialist Loan Processor

Cover Sheet

Ten plus years in Mortgage Banking and Financial Services Industry including Loan Processing,

Attorney Networking, Foreclosure Doc Ex., Senior Default Specialist, Foreclosure Specialist II, Fraud Research, Mortgage Loan Documentation, and Eight plus years of regulatory and compliance experience, and/or audit areas experience with Regs B, Z, TRID, Fair Housing, SAFE Act, and Flood Disaster Protection. Knowledge in federal and state regulations, risk, and compliance knowledge of consumer protection regulatory requirements (e.g., Regs B, Z, ECOA, BSA/AML, Fair Housing, SAFE Act, Flood Disaster Protection) worked with Government (FHA, USDA, VA, Fannie Mae, and Freddie Mac, and Conventional) loans.

Basic knowledge of RESPA 2010, HMDA, MDIA, TRID, TILA, FACTA, FCRA and, Appraisal Independence Requirements (AIR). Possess strong people skills, strong verbal, and written communication skills, and a positive customer service attitude. Excels at finding, analyzing, organizing, and solving problems.

Ability to work well in a team or individuals, recognized for positive interactions with peers, ability to support spreadsheets, prioritize multiple tasks, ability to manage complicated processes and, research. Possess detailed organizational skills and the ability to multi-task job duties. Ability to work under tight deadlines and manage multiple priorities at once. Ability to manage sensitive confidential information. Customer-focused with excellent customer service skills, phone skills, and excellent time management.

Disciplined initiative-taker in my job, resourceful (independently looks for and finds resources, information, knowledge, and/or tools to complete tasks as needed). Self-Motivating, Service Orientated, Detail Orientated, meet commitments, works independently, accept accountability, manages change, sets personal standards, and stays focused under pressure.

Enthusiastic about community service, regularly taking part in planning and implementation of service projects. Volunteer experience: associated engagement planning “Fun Day” activities for a group, worked with “Girl Inc,” as a volunteer and, worked with Samaritan Inn as a volunteer helping with snacks and servicing lunch.

Proficient in Microsoft Office Suite, Mortgage Origination Systems, EMC, Salesforce, (CRM), Tableau, Mortgage

Banking Procedures, Vendors, Banking Software, Loan Processing System (LPS), Knowledge Link and, Loan Processing Certification, 2017. Use of IDS, Doc Magic, Microsoft Edge, Lakewood, and EDMS

Mary Kroma

Mary Kroma

CrossRoad, TX 76227

469-***-**** **********@***.*** www.linkedin.com/in/marykroma. Indeed #readytowork

Mortgage Specialist

Conflict Resolution Customer Service Visual Management

Ten plus years of Mortgage ability in the Financial Services Industry including (SME) in Conventional, FHA, VA,

Fannie Mae, USDA, and Freddie Mac loan types. Loan Processing of FHA and VA Streamline Refinance. Attorney Networking, Subject Matter Expert Ability to manage complicated processes and research, have detailed organizational skills and, the ability to multi-task job duties. Foreclosure Doc Ex., Foreclosure Specialist II, and Senior Default Specialist. Recognized for positive interactions with peers, have strong people skills, strong verbal and written communication skills, and a positive customer service attitude. Effectively finding issues and creating resolutions quickly. Ability to work well in a team or with individuals, strong understanding of mortgage terminology, risk, and compliance. Ability to support spreadsheets and prioritize multiple tasks. Enthusiastic about community service regularly taking part in planning and implementation of service projects. Disciplined initiative-taker.

PROFESSIONAL EXPERIENCE

Randstad Staffing (Contract with JP Morgan Chase), Remote 3/2022 to 5/2022

Distribution Specialist

•Worked in JP Morgan distribution system to process payments for decease client.

•Paid out funds to the beneficiary and the charitable organization.

•Worked with Traditional IRA, Trust Documents, Non-IRA-Retirement funds, and Journals.

•Distribute payments daily through ACH, Checks and Wires.

•Worked 10 to 15 files daily.

•Participates and supply feedback during team audits activities on planning and scoping of

business. Review of risk assessment, testing, and prove critical thinking.

S3 Shared Services Home Equity (Loan Processor), Remote 6/2021 to 3/2022

Loan Processor

•Process files as applicable and analyzes findings and report

•Obtain verification of bank accounts ("VOD"), employment ("VOE"), mortgage and rent.

•Send welcome letters to explain (loan amount, interest rate, and to get documents needed from the member such as 2 years of tax returns, paystubs, awards letters for social security, and W2’s.

•Verify that loans origination was under available programs and investor guidelines.

•Review documents received, clarifications and corrections as needed.

•Verified that the loan file is complete to send for underwriting approval.

•Prepare packages for review by the closing department.

•Upon approval of the documents, notify borrowers and other interested parties about setting up

closing.

Contemporary Staffing Solutions (Contract with Freedom Mortgage), Plano, TX 6/2020-04/2021

Customer Advocate aka (Loan Processing), Remote

Collaborated with customers on conditions such as proof of residents, social security identification, payment history, follow-up on tax, title liens, and judgments. Worked to do Streamline Refinances on FHA and VA loans.

•Reviews outstanding approval and funding conditions.

•Responds to internal and external customer inquiries on loan conditions and/or documentation.

•Requested for approval or funding and follow-up on documentation when not received promptly.

•Negotiates and works to resolve problems with the title company as it relates to program changes, working knowledge of the mortgage process, including pricing, registration, and closing.

•Receive loan into processing, complete first file scrub; review and label documents; including contract and client docs received ELC and update, including pertinent dates, end dates, contact information.

•Ensure all required fields are complete, all services were ordered, and reviewed fees.

•Supplied results of first scrubs to Lakewood and complete Welcome Call to client.

Worked 40 to 60 loans monthly with a review of conditions and documents received for accuracy

.

Mary Kroma

CrossRoad, TX 76227

469-***-**** **********@***.*** www.linkedin.com/in/marykroma. Indeed #readytowork

Burn Search (Contract with Fairway Mortgage) Carrollton, TX 6/2019 –9/2019

Customer Support

•Collaborated with customer to understand new loan payments procedures managed by a third-party company.

•Handle customer issues in obtaining loan history, taxes, insurance payments, and loan amortization and Mortgage Compliance

Capital One, Plano, TX 7/2014 – 2/2019

Collector (12-2017 – 02-2019)

•Aid customers with payments on accounts over 120 days past due, set up payment arrangements,

or negotiate a settlement on accounts that are past due from three years to ten years old.

•Research 35 to 50 customers’ issues with payments and transaction histories daily. This research help resolve customers' issue and brings accounts to a closed status. Complete daily tasks as assigned and manage incoming calls.

Sr. Default Specialist (09-2015 – 12-2017)

•Reviewed and corrected foreclosure documents sent to the Attorney Network throughout the 50 US States.

•Maintained comprehensive understanding of Mortgage Electronic Regularly Systems (MERS), Conventional, FHA, VA, Fannie Mae, and Freddie Mac, and HUD. Eight plus years of regulatory and compliance experience, and/or audit areas experience with Regs B, Z, TRID, Fair Housing, SAFE Act, Flood Disaster Protection.

•Follow-up with changes in Federal and State regulations, worked with compliance document review to meet standard turn-time of 48-hours; thus, meeting required deadlines.

•Communicated with in-house corporate attorneys about policies and procedures that affect the day-to-day job functions to resolve complex issues that arose.

• Follow up with lenders, attorneys, and title companies for a smooth sale. Worked in peer-to-peer circle groups to create policy and procedure changes in the foreclosure process.

•Ensured compliance with policies, laws, and regulations with attorney partners in all fifty states for document preparations to ensure compliance with state and country-specific regulations.

•Trained with five attorney’s associates in Loan Processing System (LPS) ensuring correct document input.

•Produced 30 to 50 Re-breach letters to borrowers that were 45 to 120 days past due within a month, worked to ensure all activities and practices were compliant with company policy, and handle Mortgage Compliance

Doc EX Coordinator (7/2014 – 9/2015)

•Reviewed foreclosure documents for accuracy as sent by Foreclosure Attorneys throughout the US.

•Created and supported Foreclosure Department’s team Visual Management Board.

•Collaborated on the development of new hire training materials, actively took part with the Help Me Transition (HMT) Volunteer Group, Women’s Network Group, and the Black Resource Group.

•Created training manual for the department, supplying instructions for new hires on default processes

processes and procedures to ensure compliance.

•Identified and verified date for execution of affidavits and communicated with attorneys to ensure loans

•loans were ready for foreclosure sales. and/or audit areas.

•Experience with Regs B, Z, TRID, Fair Housing, SAFE Act, and Flood Disaster Protection.

•Verified completed documents to ensure accountancy for sale, including partnering with Foreclosure

specialists and Attorney Network.

•Aided in discussion about policies and procedures, in Circles and Pods, to implement changes for improving efficiencies and liaison among the internal department, clients, and vendors.

ADDITIONAL RELEVANT EXPERIENCE

Doc EX Coordinator 11- Bank of America, Addison, TX

Loan Acquisitions & Titles Transfer-Contract, MGC Mortgage, Plano, TX

Loan Processor-Contract, Morgan Stanley Smith Barney, Dallas, TX Team Lead, Core Logic-PHH Mortgage, West Lake, TX

EDUCATION

B.S., Business Administration, Concentration: HR, DeVry University, Irving, TX

PROFESSIONAL AFFILIATIONS

Dallas-Fort Worth (DFW) Woman’s Network Group, Capital One, Plano, TX – Member

Black Resources Group, Plano, TX, and HMT Committee for Associate Engagement –Volunteer

TECHNICAL SNAPSHOT

Microsoft Office Suites, EMC, Salesforce (CRM), Velocity, V-Look up, Tableau, Dashboard, Black Knight,

Mortgage Banking Procedures, Vendors, Banking Software, Loan Processing System (LPS), ECM, and

Loan Processing Certification 2017. Knowledge Link. Use of TRID, TILA/RESPA, IDS, Doc Magic, Microsoft Edge, Lakewood, and EDMS

Contact this candidate