Otis Manuel

**** ********** **.

Glenn Heights, Tx. 75154

Cell Phone-214-***-****

Objective: To secure a position in the Mortgage Industry to utilize my 20 years of Real Estate and Mortgage Experience.

WORK EXPERIENCE:

CU Mortgage-(Colonial Mortgage)-1-25-2021 to 4-18-2022

Jr. Loan Officer

. Remote Jr. Loan officer.

. Assistant to Sr. Loan officers.

. Processing Loan Applications and Stewart Title Fees.

. Order Title & Appraisals

. Follow up with Borrowers on Appraisal fees and missing Documents

. Submit Applications into processing

. Assign processors to accounts

. Calculate FHA down payments

. Pull credit on loans and deny loans that are below minimum credit

Requirements.

Also Encompass Trained.

Rushmore Loan Management Services- -8-2015 to 8-2020-Laid off.

HELOC FRAUD REP/ HELOC AUDIT REP

Performed dual roles as a Heloc Fraud and Audit representative

As a Fraud Specialist, researched customer Heloc checks and transactions for fraudulent activity.

Researched address changes and corrections.

Examined and compared signatures and documents for accuracy.

Audited Heloc Transactions and Spreadsheets for accuracy

Submitted requests for check orders and approved check requests for customers.

Experience in Customer Escalations, Senior in Customer Service and trainer for new employees.

Ocwen Loan Servicing- 8-24-2009-to 7-15-2014

LOAN MODIFICATION SPECIALIST

Worked with customers to cure Delinquent and loans in foreclosure with repayment plans or modifications.

Assisted customers through the Modification process.

Collected Modification documents, paystubs and tax information.

Audited completed Modification Package received back from customers before submitting to underwriting.

Submitted financial information from customers to complete Repayment Plans to keep customers from foreclosure.

Processed repayment plans for customers in foreclosure.

Trained new modification representatives on procedures.

Assisted upper management in writing Modification Policies and Procedures.

Bank of America-3-30-2010 to 7-15-2014

LOAN SALES REPRESENTATIVE

Sales Representative for Conventional and Reverse Mortgages.

Processed Loan applications for customers to forward to underwriting, worked with customers to complete Application and to make sure correct documents are received in house for a complete package to forward to underwriting.

Also completed follow ups with customers who were missing or needing assistance to obtain documents.

Utilized Agent signing system for customers who had Special needs.

Explained loan processes and procedures to customer and collected loan documentation from customers.

Trained new sales representative on sales procedures.

IndyMac Construction Mortgage Co.-7-30-2005—3-30-2010

*MATURITIES SPECIALIST

Handled a portfolio of approximately Construction Loans per month from the construction phase until the completion of the project.

Worked with customers, title companies, underwriters and asset management regarding the closing and rolling over of the construction loan to a mortgage loan.

Worked with customers during construction phase to ensure that all construction documents were submitted in a timely manner.

Assessed fines to customers who did not submit paperwork on time or failed to complete construction by construction deadlines.

Due to shortage in staffing also worked as Loan processor. Worked with customers to fill out Applications and submit all pertinent paper work to complete loan package.

Proctor & Gamble-3-1981-until-july 2002

Lab Technician/ Team Lead/ Process Rep/ Trained Osha 1910-Saftey Rep.

Trained and Certified lab Technician in Decaffeination Processes.

Tested Coffee product for impurities through chromatography.

Flavored coffee for release in lower Southern States.

Team Leader for a Team of approximately 13 Technicians.

Company Trainer for approximately 8 years for the company training

Workforce in Sensitivity training -Sexual Harassment, Training of Upper Management in Sensitivity and Improving relationships with employees

Also Trained in OSHA Safety procedures and managed 3 Departments. Maintained a 100% rating every month for OSHA for the 10 years I spent in the role.

Ran complicated control panels and machinery in processing control rooms.

Ebby Haliday Realtors-3-2003-to 2005

*Licensed Real Estate Agent

Licensed Realtor responsible for selling and listing Residential and Commercial Properties

Processed sales applications for Conventional, FHA, and Veteran Loans.

Advertised and held open housed for Listings

Completed continuing education to maintain Real Estate License

References:

1.Dr Cordell Adams-214-***-****

2.Gene Danser-972-***-****

3.Chelise Williams-469-***-****

4.Deborah & Russell Tarver-214-***-****

Contact this candidate