Data Entry Customer Service
Resume:
Gloria J Harris
Jacksonville, FL 32244
*******@*****.***
Objective: To obtain a position that will enable me to use my strong organizational skills and where my skills as an administrator will be challenged.
Qualifications:
• Individual with the ability to adapt to any given situation; quick starter; team player and self-motivator
• Strong organizational and analytical skills
• Some VLS and CMS Home Equity Experience
• Proficient in MSP clients 589, 465 and 156, Lenderlive, Pega, Fortracs, Excel, Microsoft Word
Microsoft Outlook and Microsoft PowerPoint, NETOXYGEN (CLM), Smartweb (corelogic)
• Very strong problem-solving skills, including calculating all types of incomes for all lines of
businesses for modification purposes
• Strong verbal and written communication skills
• Ability to support multiple requests with varying levels of complexity, importance and
involvement.
• Strong ability to quickly comprehend information from oral and written documentation.
• Title analyst on the title reporting team which consisted of ordering and clearing vesting issues by researching probate documents, the satisfaction of liens, and easements as well as examining the tax cert and verifying other pertinent documents to clear titles
Professional Experience:
JPMorgan Chase-Jacksonville FL 6/2020-11/3/2022..(laid off)
Closer: 6/1/20-1/12/20
Prepared legal documents according to state and/or federal regulations
Ensures loans close in accordance with the Underwriter’s approval and client policies and procedures
Works with title companies on loan scheduling, document delivery, and final sign-off of HUD-1
Assists in resolving issues at closing
Prepares collateral files to Fund within required time-frame
Reviewed post-closing packages for accuracy and completeness
Cured deficiencies
Meets performance requirements for volume, quality, and timeliness
Funder 1/12/20 to present
• Reviewed all outstanding closing conditions regarding required documentation. This may include the HUD, Mortgage, Note, Right to Cancel, Truth in Lending and any Closing requirement showing on the Schedule A in the Closing package.
Determined if conditions are met and update the system of record with document status accordingly
• Analyze and notate documentation that is outstanding
• Verify receipt of all closing documents to ensure they are correct and have been executed properly
• Request and upload critical document packages from settlement agents
• Complete specific state-required documents as an authorized signer
LOANLOGICS 10/21 - 9/22
QA AUDITOR/DUE DILIGENCE
Audited pre-fund loans for accuracy and compliance
Reviewed documents for completeness
Although worked as a contractor; reviewed 32-55 loans per month which are documented weekly
Analyzed credit reports for the accuracy of the final application
Reviewed and re-calculated income for accuracy
Analyzed all credit documents, including the mortgage application, credit history, income documents, title documents, appraisals, and all applicable compliance documentation
Ensured all loans are in full compliance with all Federal and State rules, regulations, and laws governing mortgage lending guidelines and policies
Ensured mortgage industry credit guidelines and policies for VA, FHA, FNMA, FHLMC, & USDA are followed
Completing credit re-underwrite on all loan files pursuant to AUS, LP, or GUS findings or manual approvals
Auditing the system-driven tests to ensure they are firing accurately
Analyzing the property appraisal to determine fi value is supported and the property meets all eligibility requirements including Condominium PUDs and 2-4 unit properties
Analyzing and recalculating as required all income sources. Tax returns and/ or financial statements for self-employed borrowers, partnerships, S corps and or C corps
Analyzing borrower's debt load and calculating debt to income ratio
Completing reviews of all closing documents and disclosures on all loan files
Making determinations that loan elements are acceptable to appropriate investor guidelines
Ditech Home Funding- Jacksonville FL 06/2019-01/03/2020
Reallocations Specialist
Responsible for working with customer service and collection departments by performing maintenance on customer payment histories and accounts.
Duties include analyzing associated data and performing loan maintenance that ultimately resolves Loan System corrections.
Research and analyze past loan history identifying necessary adjustments that ensure the loan is being serviced appropriately - to ensure complete resolution.
Perform processing and maintenance functions as relates to areas in collections and general account servicing.
Provide support and informal training for the following areas: Collections, Customer Service, Loan
Processing, Loan Servicing, Agency, Repo Department, and Corporate Legal department.
Perform duties that aid in the processing of servicing documents and accounting, ensuring transactions are within compliance guidelines. This may include data entry, reviewing documents, tracking, filing, and payment research.
Assist the Supervisor with various activities needed to bring other team members current.
Ensure service level agreement deadlines are met on all processes.
JPMorgan Chase – Jacksonville FL 05/2008 – 7/2018
QA Underwriter Auditor/UW Support/Loss Mitigation
• Completed audits on all loss mitigation modification plans to ensure that procedures and
guidelines have been followed accurately with proper documentation and system changes.
• Review documents sent to mortgagors for execution, for correct verbiage and numbers.
• Reporting findings to management and working with a team to come up with process
improvements.
• Reviewing the decision made by the Underwriter for accuracy and quality
• Auditing Underwriting decisions for Fannie Mae, Freddie Mac, Asset, Private and GSE loans for both Default and Imminent Default.
• Documenting review findings clearly into a database.
• Served as a Subject Matter Expert (SME) for any systems rollouts, procedure changes or as
needed
• Ensure that all Quality Assurance Policies and Procedures are adhered to for each review.
• Participation with staff and management on day to day workflow activities.
• Performs loan quality audits by analyzing all aspects of the loan, including, but not limited to income, assets, collateral, and credit.
• Develop, recommend and implement specific procedures and operational guidelines to ensure maximum effectiveness and efficiency of services.
• Within this role I have built effective interpersonal relationships with other business partners and management and collaborated with others to enhance the effectiveness of their area.
• Have some underwriting experience
• Heavy experience calculating income for all LOB’s
• Determined title discrepancy and worked with the UW to clear it; which meant reviewing all documentation sent in: death certificate, divorce decree, recorded QCD, etc
Citicards – Jacksonville - Fl. 11/2004 – 05/2008
Credit Analyst/Identity Theft Specialist
• Review and analyze credit card accounts for potential fraud
• Determining the veracity of identity theft claims by conducting investigative research using both internal and external databases
• Prepare and document review findings in a concise, understandable manner for written
communication to referring party and appropriate internal personnel
• Support communication of policy and procedure updates and provide on-the-job training to fill in gaps from New Hire training.
• Analyzing credit reports to check for other potential fraud accounts, which includes placing
credit blocks on the accounts
• Accepted inbound customer service calls giving each call an excellent customer experience
(July 2003-November 2004- Owned and operated a restaurant)
Education: Baldwin Junior Senior High
Graduate 1978
Jones College (Medical Receptionist)
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