Loan Processor Collections Representative

EL

EDWARD LAPENTA

716-***-**** *********@**********.***

OBJECTIVE

EXPERIENCE

Underwriter Specialist with extensive experience in operational effectiveness, quality management, multitasking, strong communication, leadership, and problem-solving skills seeking a similar role with a strong company.

CAREER SUMMARY

Customer service oriented with a proven ability to provide team-leadership for maximum productivity. Skilled at decision making and communicating effectively to attain company goals. Proficient in evaluation of other party risk for payment.

Skills

UNDERWRITER • HSBC BANK • 2018 • 2022

Analyze and evaluate financial data related to loan requests/documents to ensure accuracy and completeness

Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors

Record loan denials and specific basis for declining application

Monitor and report noncompliance with loan covenants

Maintain client relationships and provide superior customer service

Review loan documentation and vendor reports to identify signs of fraudulent activity

EEOC Compliant Trained

Assisted the collection team deferring mortgage payments, the fraud department as a Fraud Specialist and the mortgage team as a Mortgage Specialist during Covid

MEDIATION/LOAN PROCESSOR • PHH MORTGAGE • 2015 • 2018

Verifies, compiles and types application information for mortgage loans.

Approves loan compliance

Prepares mortgage loan application file for underwriting

Tracks status of loans including number of applications, loans approved, canceled or denied

COMPLIANCE ANALYST • KELLY SERVICE AT M&T • 2014 • 2015

Review business and personal checking accounts for fraudulent activity

Verify to ensure checking accounts are in compliance with bank and federal regulations

WORKOUT SPECIALIST • HSBC/PHH MORTGAGE • 2010 • 2014

Specialized in working with Fannie Mae, Private and Freddie Mac mortgage loans

Provided loan modifications

Responsible for mediation processes

AUTO LOAN COLLECTION SUPERVISOR • WACHOVIA DEALER SERVICES/ WELLS FARGO BANK • 2001 • 2010

Supervised 15 employees; hired and trained new associates

Interim Manager for New Jersey RBC

Monitored calls and resolved complaint calls

Reviewed time cards and managed scheduling PTO Time

Attended automobile auctions

Committee Chair responsible for running Wachovia Dealer Services Family Picnic and office donation fund

COMMERCIAL CREDIT/COLLECTIONS REPRESENTATIVE • MOORE BUSINESS FORMS • 1998 • 2001

Resolved credit and invoicing discrepancies

Completed accounting procedures

Collected on large commercial accounts

Skills

Underwriting Approval

Loan Portfolio

Loan Applications

Financial Statements

Underwriting Guidelines

Foreclosure

Ensure Compliance

Education

Erie Community College

Business Management

52 Michael Anthony Lane

Depew, NY 14043

www.linkedin.com/in/edward-lapenta- 911a34a4/

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