Chemika Hutto

Senior Mortgage Processor

Rochester, NY 14619

adu6ia@r.postjobfree.com

+1-585-***-****

Mortgage professional with years of experience in underwriting and portfolio management. Firm Problem Solving skills coupled with resolution abilities. Principle strengths include Strong attention to detail, self motivated competitive nature, and a superior team player. Authorized to work in the US for any employer

Work Experience

Senior Mortgage Processor

KeyBank - Rochester, NY

August 2020 to Present

Read and articulate documents

Work spreadsheets

Take inbound &outbound calls

Use outlook,Microsoft teams

Litigation Paralegal

Shapiro, DiCaro & Barak, LLC - Rochester, NY

March 2016 to April 2020

• Review and analyze borrower documentation to determine income and repayment ability

• Review all loans underwriting and mortgage documents to ensure compliance with investor requirements

• Review title reports and credit reports

• Schedule court appearances

• Complete chronology reports

• Worked directly with mortgage investors

Mortgage Banking Underwriter

JPMorgan Chase - Rochester, NY

June 2009 to February 2015

Review and analyze borrower documentation to determine income and repayment ability.

• Demonstrate and maintain sound knowledge of all guidelines and procedures for Fannie Mae, Freddie Mac, Privatized/Secured, Asset, FHA and VA.

• Meticulously review mortgage applications, credit bureau reports, tax returns, financial statements, and other necessary supporting documentation to facilitate decision requests within SLA (Service Level Agreement) guidelines.

• Analyze appraisals (interior/exterior), title reports and flood certificates

• Review all loan underwriting and mortgage documentation to ensure compliance with investor requirements

• Top performer and recipient of several production and quality awards Port-Out Coordinator

Datrose Inc - Rochester, NY

March 2006 to July 2006

2007-2009

• Assisted Kodak with local, national, and international telecommunication providers who supplied T1, DS3, E1, and Ethernet connectivity. Coordinated implementation of add/change/disconnect and install activities for switched and dedicated services such as voice and data Private Lines, Hardwire circuits, ISDN, Frame Relay, ATM, Internet, toll-free service and private dialing plans. Responded in a timely manner to order inquiries from both external and internal customers.

• Contacted and answered initial and follow-up phone calls from customers who had any support issues during the installation process

• Provided timely and thorough resolution of all issues raised by customers, as well as documentation of all actions

• Maintained consistent quality and performance metrics as set out by management. 100% of the time Meeting all management goals

• Tracked and reported open order issues for prompt resolution, worked closely with the Engineering team to ensure a smooth, seamless installation experience. Customer Service/Collections

Accounts Receivable Management - Rochester, NY

2005 - 2007

• Answered high volume of inbound calls about billing inquiries, with focus on selling and/or saving Frontier products and services. Service order requests from customers for installation, change or removal of telephone, data, and related services. Interfaced with customers regarding (and performing work associated with) pending orders, repair requirements and repair resolution.

• Completed service order activity in an accurate and timely manner. Meeting all company goals.

• Accurately computed and quoted customer monthly charges, non-recurring charges, adjustments, and balances.

• Provided flexible options to the customer based on product and service needs, full range of billing and collections duties Increased customer service satisfaction by 100%

• Assisted customers in a wide range of billing transactions and collected on delinquent accounts,

• Empowered to disconnect accounts as a result of nonpayment and to negotiate payment arrangements. Education

High school diploma in Business Finance

Monroe Community College - Rochester, NY

Skills

• Underwriting (6 years)

• Mortgage Loan (6 years)

• Fannie Mae (10+ years)

• Fair Housing Regulations (10+ years)

• Content Management Systems (4 years)

• Telecommunication (10+ years)

• Portfolio Management (10+ years)

• Credit Analysis (10+ years)

• Telecommunication (10+ years)

• Tax Experience (6 years)

• Financial Analysis (6 years)

• Credit Analysis

• Content Management Systems

• Loan Officer Experience

• Portfolio Management

• Customer Service

• Microsoft Outlook

• Writing skills

• Microsoft Excel

• Computer skills

Additional Information

CORE COMPETENCIES

Documentation / Data Entry / Database Management / Compliance Adherence / Quality Assurance Regulatory Compliance

TECHNICAL SKILLS

Microsoft Excel, Outlook, Word, Power Point, Agent Desktop, CMS, Data Verify, Kroll, Credco, HSSN, FHLMC All Regs, BPO direct, Data Verify, ATOM, Lenderlive, RSAMS, NACA system JPMORGAN CHASE COURSEWORK AND CERTIFICATES

FHLMC Underwriting Certification 2015, Bank Owned & Private Securitized Underwriting Certification 2015, Analyzing Credit and Expense calculations Certification 2015, Code of Conduct, Quality Control

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