Foreclosure Specialist Loan Processor
Resume:
ROSEMARIE E. TABESH
adtpqr@r.postjobfree.com
OBJECTIVE
Enthusiastic mortgage professional with 7 years experience in processing loans in a corporate environment. Diligent and detail oriented. Computer savvy in MS Office and proprietary mortgage-processing software. Looking for a . responsible and challenging position that will utilize my extensive background, expand my knowledge, offer opportunities for personal and professional growth. .
EXPERIENCE
PENNYMAC – Westlake Village,CA – MFD BDL/Loan Structure Specialist -July 2019 -Present
Process Conforming Loans, FHA/VA and USDA loans. Responsible for acting as important key contributed in order to facilitate all departments within the mortgage fulfillment department
.
Responsible AUS approval
Compiling loan documents as well as reviewing and arranging
Verifying borrowers income, asset documentation
Perform complex data and document validation
Evaluating loan application for compliance with product guidelines
Excellent critical thinking problem solving, mathematical skills and sound judgment
Highly proficient communicator written and oral
BM Real Estate/Altloan Services – Calabasas, CA 91302 – Onboarding/Jr. Processor – November 2019 – March 2019
Responsible for Non-QM, Conventional, Retail and Wholesale onboarding of new files. Which included reviewing of investor guidelines in order to pre qualify borrowers are being placed in the correct programs/structure and cross checking pricing was quoted correctly before submitting to UW.
Creating file in Encompass and uploading of documentation into Encompass
Initial person to contact AE regarding submission of new files
Ordering credit when needed
Initial person contacting broker for incompleteness if file and clarification of file structure.
Communicating with broker or borrower for all documentation needed for UW
Review all documents submitted are accurate in order to support the file and correctly disclosed on 1003
File all documents into correct buckets
Entered all Initial Title Fees or when needed created Smart GFE
Daily updating appraisal status pipeline and follow up
Answered phone calls from brokers requesting file status
Assisted processors with file submission to investors and following up
Woodland Hills Pharmacy – Woodland Hills CA 91364 - Pharmacy Customer Service – February 2019 – September 2019
PennyMac Loan Services – Moorpark, CA. 93010 – Sr. Customer Service Rep – February 2017 – February 2019
Responsible for handling customer inquiries and requests and the timely completion of a variety of routine function, while working to ensure customer satisfaction and retention through cross-selling products. Also, ensured that all loan servicing requirements are met as specified by investor and regulation. I have received and excelled in my previous roles which has given me the opportunity to be assigned to additional department. Ach/ach verification, PMI/MIP Department, Secure messaging, Disaster relief and will be training for CSTAT.
Receive and service calls
Provide general account information to customer including payments, escrow, taxes, payoffs and loan documents
Conduct preliminary or basic research in order to respond to routine in inquiries.
Process customer payments via phone
Cross sell PennyMac loan products to existing customers
Meet outlined production and quality standards
Interact with other PennyMac servicing departments to solution customer requests and resolve issues
Critical thinker with problem solving skills, mathematical skills and sound judgement
Partners in Care Foundation – San Fernando, CA. Call Center Health Navigator/QC Coordinator – May 2015 – December 2016
Total Woman Gym and Spa-Woodland Hills, CA – Customer Service Associate/QC Coordinator – October 2014 – May
Bank of America –West Hills, CA - October 2010 – January 2014
Foreclosure Specialist
Quality Assurance Department
Responsible for the quality assurance auditing for claims submitted to various investors, reducing risk of loss and increasing capital for the company. Responsible for ensuring that all laws, internal control validation, and analytical assessments were correctly applied across the Consumer Lines of Business. Assisted with the preparation of compliance testing and issue trending results, and communicate findings to the testing team managers.
QA specialist for FNMA claims
QA specialist for REO claims
QA specialist for MI DOC packaging claims
QA specialist for SPO claims
Bank of America – West Hills, CA - February 2010 – October 2010
Foreclosure Specialist
FNMA Short Sale
FCL Post Sale Conv. 1st. Lien Claims
Set-up files in order to be able to file claims.
File claims with different investors.
Follow-up on the claims filed with FNMA.
File the Mortgage Insurance claims.
Balance the files for completion and distribution of all monies.
Maintenance of my portfolio of over 3000 files.
Truth in Lending Agency – Woodland Hills, CA - December 2008 – August 2009
Account Manager/Paralegal/Processor
Managed multiple accounts for clients; borrowers, brokers and attorneys.
Negotiated terms of loans modifications with lenders and service companies.
Process new loan modification packages and submitted to lenders.
Wells Fargo Home Mortgage – Woodland Hills, CA – January 2006 – January 2008
Client Relations Specialist
First stop for broker communications and relations.
Handle scenarios, pricing and status calls.
Acted as liaison between brokers, internal operations and sales staff to provide superior customer relations.
Diamond Square Financial – Burbank, CA – January 2005 – January 2006
Sr. Loan Officer
Pricing scenarios.
Handling customer services issues, placing loans with lenders.
Brought in numerous business and clients with referral leads throughout the industry.
Acted as liaison between buyer, broker, lender and escrow.
Top producer several months in a row due to repeat business.
No Red Tape Mortgage – Sherman Oaks, CA - September 2003 – January 2005
Loan Processor
Maintain communication between broker and internal staff; facilitate file progress from disposition to closing•
Accurately manage and multi-task desk on a daily basis.
Maintain and update web log several times a week while keeping all parties informed at all times.
Perform state and federal compliance test on all files.
Low Cost Lending, Inc. – Canoga Park, CA - June 2002 – September 2003
Loan Processor
Ran DU and LP for immediate approval.
Successfully prepared loan packages while maintaining knowledge of lender guidelines for submission and approval.
Scheduled signing appointments with all parties.
EDUCATION:
University of California Los Angeles – Los Angeles, CA. - Bachelor Degree – Business
Watterson College – Oxnard, CA – Paralegal
SKILLS: Microsoft Office, Word, Excel, AS400, Outlook,Genesis/Contour, Point and Encompass (mortgage software).Bilingual, English/Spanish
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