Foreclosure Specialist Closing Coordinator

BRENDA WINCHESTER

PROFESSIONAL SUMMARY

Work Ethics: A total of 25 years in the student loan and fnancial industries has left me with excellent customer service and people skills. Through the years I have worked as a Funder, Document Specialist, Processor, and Originator of loans for Auto, Personal, Home Equity, Personal Lines of Credit and Student loans. All require good attention to detail and analytical skills. I have worked with numerous computer programs and software from basics such as Word and Excel to specialized programs designed for the loan industry. I am a quick study, with an ability to easily grasp and put into application new ideas, concepts, methods,and technology. I'm a motivated individual that takes pride in doing myjob well and consider myself to have very strong work ethics

SKILLS

●EXCEL, MICROSOFT WORD,TEN KEY,SEVERAL COMPUTER PROGRAMS,CASH HANDLER

EXPERIENCE

Specialist

August 2013 - June 2018

Ditech Financial Services Foreclosure Risk

●Worked in the MI bidding Department completing bidding instructions for FNMA Foreclosure home based on current loan information on the system to determine what is needed to bid at foreclosure sales.

●Reviewed Appraisals and valuations sheets to determine what was needed to bid.

●Review accounts for title issues or problems that may prevent a sale at a foreclosure sale and work with foreclosure specialist to clear up any issues.

●Worked with Homeowners Associations to pay HOA dues on properties to keep the HOA from foreclosing a lien interest.

●Submitted payments to the HOA companies and collected all proper documents to ensure the HOA released any liens placed Worked very closely with Attorneys working the properties for foreclosure to get what was needed to prevent the company from losing their lien interest.

●Paid property taxes on properties to prevent a foreclosure or to prepare for a foreclosure and clear the title on the property.

Coordinator December 2012 - June 2013

CMG Financial Scottsdale, AZ.

●Responsible for putting mortgage loan fles in title of document Order for underwriting.

●Verifed information, amounts,dates etc...

●Are correct on Good Faith Estimates.

●Verifed proper disclosures are in fle for loan Input loan information and set up loan for underwriting Disclose and send disclosures to borrowers and brokers.

●Collect missing documents needed for fles from brokers/processors Work on FHA streamline, conventional refnance, conventional Harp, conventional purchase & FHA purchase loans.

Reverse mortgage tax

Bank of America Tempe, AZ

October 2011 - September 2012

●Responsible for researching delinquent property taxes by parcel and legal descriptions.

●Handle incoming Homeowners Association Bills and pay when needed.

●Make outbound calls to counties and Home Owners Association to check status of properties and if liens have been placed and what is needed to release a lien.

●Request paymentfor property taxes and homeowners association and follow up to make sure payments are received and request lien releases if needed.

●Call taxing Authorities to check status of property taxes and request payment delinquent.

Loan Specialist II

TruWest Credit Union Tempe, AZ

August 2006 - August 2011

●Responsible for collecting documents and scheduling closings.

●Calculating Income for Salaried, Commissioned and Self Employed Borrowers by reviewing income documents such as pay stubs, 1099s, W2s, personal and business tax returns to determine stability and consistency of income Calculating debt to income ratios insuring they meet the guidelines of the product.

●Review fles for Arizona and Texas.

●Clearing conditions for fnal approval.

Closing Coordinator May 2005 - February 2006

Ryland Mortgage Tempe, AZ

●Responsible for creating excel spreadsheets for multiple states for loan closings.

●Follow up with loan processors on loan closings and disburse updated closing reports.

●Southwest Student Services,Chandler,AZ Account.

Specialist March 1995 - May 2005

●Examined loan documents pertinent to specifc loan guidelines.

●Worked multiple government reports.

●Responded to customer inquiries on eligibility.

●Analyzed accounts for accuracy.

EDUCATION

American Teller School, Mesa, AZ

April 1989

South Salem High School, Salem, OR

October 1979

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