Foreclosure Specialist Loan Processor
Resume:
AMY SMITH
CONTACT
adtiji@r.postjobfree.com
Mesquite, TX 75150
PROFESSIONAL SUMMARY
Meticulous Loan Processor
verifies and confirms provided
data to reduce risk and liability.
Careful examiner of facts and
detector of discrepancies in
applications and
documentation. Committed to
fully understanding and
integrating accurate logistics
for each potential borrower.
SKILLS
Underwriting support
Document analysis
Loan approval
Verify agreements
Account updating
Call escalation
Collections management
Manage complaints
Serve customer needs
Eligibility determination
EXPERIENCE
LOAN PROCESSOR Jul 2017 Current
Black Mann & Graham L.L.P
Followed up after loan closed to congratulate, thank and provide next steps to customer.
Managed pipeline to process transactions according to service level agreements.
Performed initial review of loan approval using information available on loan processing software system and credit file.
Processed loan requests for new and renewal loans using prescribed procedures and software.
Prioritized and organized workflow, completed simultaneous projects and followed through to completion to meet required deadlines. Influenced and collaborated with originations team members to mitigate processing and approval hurdles.
Reviewed loan documents for completion and accuracy prior to delivery to branch location.
Submitted complete packages to internal departments or external groups for eligibility evaluation.
MORTGAGE FUNDER Oct 2016 Jul 2017
Amerihome Mortgage
Resolved customer loan problems through research and investigation. Marketed to realtors, title agents, business owners and attorneys to gain new center of influence relationships.
Complied with company quality standards and applicable regulations governing financing.
Researched and analyzed appropriate loan programs to match borrower's profile.
Monitored pipeline by communicating with underwriters and processors. Determined approval status of loan applications based on applicants' qualifications.
Met with applicants to obtain information for loan applications and answer questions about process.
Gained knowledge of products and programs offered to educate clients about various product solutions.
UNDERWRITER Aug 2011 Jun 2016
JP Morgan Chase Bank, Coppell, TX
Negotiated terms and coverage to align policies with company directives.
Employed sound underwriting judgment to maximize business revenue. Cultivated new producer and client relationships throughout assigned territory.
A
S
Developed, managed and executed pipeline of new business opportunities.
Reviewed complete loan packages to determine creditworthiness, including assets, income, credit and collateral.
Reviewed new files and resubmissions to make correct underwriting decisions.
Assessed level of risk and profit associated with individual policies to maintain balanced company portfolio.
Recorded loan rejections by specifying basis for declining applications such as insufficient cash reserves.
FORECLOSURE SPECIALIST Aug 2011 Jun 2016
JP Morgan Chase Bank
Researched and resolved borrowers' disputes related to foreclosure proceedings.
Reviewed daily management reports to confirm compliance with foreclosure timeframes and departmental procedures. Coordinated with property preservation department to secure and maintain vacant properties.
Resolved complex issues involving payment disputes, escrow discrepancies, or inaccurate mortgage assignments. Oversaw foreclosure process and made recommendations for additional investments in distressed property.
Leveraged wide range of legal and foreclosure knowledge to augment legal support services by internal and external counsel. Identified and mediated potential loan origination or documentation issues that exposed bank, investors, or insurers to financial losses. CUSTOMER ESCALATION SPECIALIST Aug 2011 Jun 2016 JP Morgan Chase Bank
Analyzed emerging technologies, assessed operating requirements and configured business applications.
Implemented customer-facing solution capability roadmaps and scorecards that demonstrated progress.
Cultivated and maintained trusting business relationships using company's innovative solutions.
Partnered with sales and marketing to translate business goals into customer deliverables.
Developed pedagogically-sound end-user training programs, including digital adoption platforms.
Researched and analyzed alternatives to formulate compelling recommendations to senior management.
Built strong network with business partners to gain organizational buy-in and support delivery.
LOSS MITIGATION SPECIALIST Jul 2009 Aug 2011
Bank of America, Plano, TX
Entered and uploaded documents to internal systems to obtain review and approval for loan modifications.
Followed up on outstanding issues to complete decision process according to regulations and guidelines.
Reduced overall delinquencies by negotiating solutions mutually beneficial to client and company.
Contacted borrowers to obtain and clarify information and documentation related to liens and judgments.
Stayed current on changes in industry regulations and recommended updates to internal policies, procedures and systems. Communicated with individuals and teams to drive high-quality response and resolution to issues.
Performed logistical, organizational and report generation duties to support operation of assigned areas of expertise.
Demonstrated patience and professionalism when interacting with consumers via phone, email, or letter.
EDUCATION
HIGH SCHOOL DIPLOMA Jan 2010
New Beginnings Christian Academy
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