LOURAINE RUSSELL

**** ******** **

Winter Garden 34787

C: #407-***-****

Career Summary: I am motivated with a highly concentrated learning curve and know how to undertake the most challenging situations; I have a long history of being in the Mortgage Industry and excellent customer service skills with communication skills. I can adapt to any type of Environment and I am very capable of being a team player.

Qualification: A dedicated Mortgage Specialist, Financial Specialist with a background in credit, sales, Banking and Legal Bankruptcy and Foreclosure, I am a voice in Telecommunication as well as Data Entry and Computer Operations, Verbal and Written Communication and Data Processing, Able to read and understand Mortgage Legal Documents, All Mortgage and Banks Rules and Regulations also driven to provide same day high quality of service.

EDUCATION:

• Central Florida Insurance School/ Orlando FL- 2004 Certificate of Completion32 hour course in Insurance Sales/ Annuity/Claims

• Keiser University/ Orlando FL- Paralegal Studies- 01/2003-08/2003

• IFREC Orlando FL--Institute of Florida Real Estate Careers School -09/2000

• Real-estate Certificate/License-60-hour course in Real Estate and Sales

• Systems Technology Institute Orlando FL-AA/ Computer -1997/1999 EMPLOYMENT:

Registered Broker Representative: Charles Schwab - Orlando, FL March 2023 to Present, Service Representative, educate our clients about investments, And the trading tools, market mechanics, and retirement choices. We are Registered to earn our Securities licenses in our paid licensing and training program. As a Registered Services Representatives are an essential component of our client relationship model that have consistently set Charles Schwab and TD Ameritrade apart within the Banking and Trading Industry. Charles Schwab's has partnered with TD Ameritrade, and we are now servicing our new clients as well. We are there to assist them with any banking needs and Investments and retirement. Mortgage Title Processor/Recording & Post-Closing Specialist. Avanze Title Group LLC - Orlando, FL. - February 2022 to 01/2023

I would conduct a thorough search of the property's history. This includes looking at all previous transfers, owners, and liens to determine if the title is clean and available to transfer to a new owner. While title issues are not necessarily common, these are a few of the most frequent issues that show up in a title search. After releasing the title report, the title company will create an abstract of title—essentially a summary of the report—as well as a title opinion letter, confirming or denying the legality of the title. if the Title shows any liens during purchase will advise to either payoff or get clarity if it has been paid off or not. Also, I do post close on certain Mortgage packages for specific Lenders. LoanDepot LLC - Permanent Remote- Direct Account Manager/ SR Mortgage Loan Processor lll LoanDepot LLC - Ranch hill CA – 2020 – 2021: Working with LoanDepot I carry about 80 – 120 Loans in my pipeline using the system Empower, Once Loan has been assigned, I will First do my initial contact call. Then review initial loan approval and work with borrowers to obtain all appropriate documentation. Collect all required Conditions for the loan package create loan submission package for the Underwriting department submit file to assigned Underwriter that’s not a mello approved file. Satisfy all conditions when received from Underwriter Some Loan I am able to approve myself I have what LoanDepot Qualifies you as mello Authorities Loan which are approved through the mello system and as a level 3 processor I can approve the Loans myself. Ensure that approval falls within the established lending guidelines Communicate with other professionals, including attorneys, county clerks and title companies to get a Clear to close issued. I also work with the Title company to get a Final ALTA and to get title fees, so I am able to check all title fees and match them to LoanDepot fees to make sure the Closing Disclosure (CD) matches. Once the CD does match send out final CD to the borrower so they can have the final CD before the Borrower closes. KB HOME LOAN LLC- Builder - SR Mortgage Loan Processor…….04/02/2020 – 08/2020 Maitland FL - Temporary working remotely: Loan is set up in a data base and then sent in from the Loan officer side and it goes into set up. Once set up received the loan and it goes through final set up the loan is then submitted to UW to finish approval with conditions to clear. And the assigned to me. I will make contact to borrower and do an introductory and welcome and we will discuss the approval and conditions need for final approval. Once introductory and welcome and review borrowers details from loan applications and crosscheck information to ensure its accurate and complete Ask potential borrowers questions about their financial past and habits and review their background as well as their personal information during the initial interview session Organize all loan documentation materials for each mortgage application, such as tax forms, bank statements, paycheck stubs and other information Ready all loan documentation for the mortgage closing process by agreements and finalization documents for the borrower Analyze a consumer’s past credit history by running credit checks, reviewing income, listing current financial obligations and checking employment details Discuss the status of a loan application with clients and indicate when more documentation is needed by contacting customers by phone or email Inform customers about the terms of an accepted loan and notify them about the interest rate, repayment options and closing costs Maintain an organized computerized filing system for loan customers and update client information about addresses and employers as it changes. Customer Contact borrowers each week to see if they have any questions or concerns and update them on the process of their loan also to make sure nothing has changed due to Covid -19. My weekly contact to the client consists of either emails or Phone calls. Pipelines consist of 60-65 Loans and closing anywhere between 14- 25 loans per month depending on home available and once it has been built. Also, if there is a final inspection needed will order final inspection for that property.

ALBERTELLI LAW GROUP:

Tampa FL. Paralegal/ Legal Assistant- Bankruptcy - Foreclosure 5/24/ 2018 - 03/2020. Process and Draft legal documents also serve and file debtor's monthly financial statements. Maintain contact with client/debtor and verify compliance with instructions to debtor’s real property records and taxes owed. Obtain case information from United States Bankruptcy Court Clerk using Pacer Court System Draft and file petitions, schedules and proof of claim Confirm amounts owe to creditors and verify dated incurred Interview client to obtain information for filing petition and schedules maintain log to check off discharges and status of bankruptcy draft and file attorney's fee applications prepare motion to allow claim or objection to claim draft and file applications and orders to employ professional persons prepare prefiling letters to creditors prepare application and orders including enforcement of stay, restraining sales, reinstatement of utility service, venue, avoiding liens, approving reaffirmation or redemption and abandonment correspondence with creditors, creditors' committee chair, creditors' committee attorney, trustee and client. Draft and file complaint. Draft NOA's, MFR's, for Chapter 7 and 13. Also pull referrals from client system and build file in system for Attorneys.12/2019-Present: Promotion: Client Reporting Team Legal Assistant and Reaffirmation Bankruptcy Legal Assistant. RP FUNDING: Mortgage Loan Processor II: 03/2015 - 06/2016 Mortgage Processor III 02/2015 - 04/24/2018 Promoted to Jr Underwriter: Knowledge of FannieMae FreddieMac Guidelines 06/2016

- 02/2018 –

Loans were set up in a data base and issued out to all processors based on your productive actions. calculate income properly on wage earners and self-employed borrowers, Military employees. Was issued FHA Loans and Re-finance Loans Purchases Conventional, Mostly VA Loans I would Verify and obtain documents by reading DU findings and Underwriters Conditions. Based on the loan type would ask the Borrowers upfront to supply the basic condition so I can work on an approval with the UW Systems AUS Until file is back out of underwriting. Would forward information back through system underwriting to final approval Once approval has been final would contact to set up closing. Computer Paperless Workflow.

DIGITAL RISK: Mortgage Loan Processor ll - 04/01/2013 to 08/2014 - Maitland/Jacksonville FL, Processed Mortgage Loans, Most Loans we received was issued from Clients who outsourced their work to Digital Risk. All Loans are set up in a data based and issued out based on your Productivity and knowledge of different Loans. Used Companies systems to work and Process loans. Contact Debtor and advised what documents are needed in order to begin loan process. Once loan has been processed with a clear to close will contact debtor and set up time for closing and gather other required documents in order to finalize. like Insurance and making sure it was enough to cover said property. Military move/Jacksonville FL - Relocation (2)-Forensic Loan Review Analyst. Credit risk according to factors, Records data on work sheet, purpose of loan, Balance, collateral, and repayment terms. Evaluates information to determine whether lending officers have stayed within guidelines of lending authority, Analyze and Audit and write breaches and to Conduct Forensic Acquisitions If loan are in compliance with banking regulations, and if required documents have been obtained. Identifies problem loans and describes deficiencies. Assigns risk rating indicating borrower’s financial strength and probability of loan repayment. Wrote SQL queries to pull data from the system. Involved in writing summary of analysis and reasons for assigning adverse risk rating. Coordinate data collection and evaluations of credit quality loans, and present loan review information and report to management. Process Credit data by using advanced MS Excel functions like V Lookups, H lookups and Pivot tables. CITIBANK MORTGAGE: 04/25/2012 – 04/29/2013 - Jacksonville FL Mortgage Loan Processor: Refinance of Conventional, FHA, VA, USDA, Harp Loans

(1)-Mortgage Streamline/ Mortgage Loan Processor – Maitland FL, -HARP Program. FHA, CONV, VA Paperless Environment System Manage Pipeline of (100-180) loans that have been approved with conditions Made standard Welcome and approval calls and 5–7-day status calls Analyzed and reviewed file to advise and obtain all required documents Once documents have been provided, cleared conditions with approved Authority If needed will order Subordinations from Subordinated Mortgage Companies on Second Mortgage Loans. Submit Loans to Underwriting for final approval and approved to close Contact borrowers to confirm a closing date. Set up closings with closing department. Call borrower and made closing call.

SUN-TRUST BANK –Sales and Credit Center: 02/2009- 06/2009: Orlando FL Customer Service Representative/Consultant

Handles out bound and inbound calls from potential and existing customers, Selling personal products and services and making referrals to Mortgages, Investments, Trust, Merchant Services, Personal and Private Bankers and Small Business Banking. Processes sales and answers customer questions with set standards. Cross-sell the full range of bank products and services to meet customers ‘needs. Utilizes effective sales and telephone techniques to build customer relationships. Meets and exceeded sales goals,

JP MORGAN CHASE-CHASE CARD SERVISES-11/16/2007- 01/27/2009: Lake Mary, FL Chase Card Services Test and Learn Representative….

Tested Chase New Products before they were allowed on the floor and offered to Chase new and existing clients, Also I assisted customers with any credit card or bank issues that pertain to their Chase credit card accounts, Closing accounts, opening accounts, also advising customers of other products that Chase has to offer….JP MORGAN CHASEBANK-Credit Card 7/23/2007- 11/15/2009: Lake Mary FL Chase Card Services Account Representative/Consultant…..Assisting Chases Card Members with their credit cards issues, over drawn accounts, closed accounts, late payments. Making executive decisions on crediting back fees opening and closing credit card accounts. Being a team player assisting also new hires with uncertain issues, also cross selling Chase brand products. Promoted to different department. PARKSQUARE HOMES -Builder/LINCOLNMORTGAGE CORP-04/19/05-01/04/2007 Orlando FL – Senior Mortgage Loan Processor/Systems

Pipelines consist of 50–100 files that are issued by the Manager/Processor assistant Also trained all new hires on system and how Park Square system runs day to day. Once files are received, I then make sure the borrower is contacted to inquire about all required documents that are needed to put the loan file together for submission and to introduce myself as their loan processor. I then run DU/DO for approval it is stacked for final underwriting approval, once final approval I would call borrower again for insurance and schedule a closing. Loan is then prepared for Title for closing package.

MARONDA HOMES/MFC MORTGAGE INC-06/03-10/04: Orlando FL Mortgage Loan Processor, FHA, VA, CONV, NEW CONSTR, Processed Mortgage Loans for the state of Pennsylvania Maronda Home Office Head Quarters, My own Division. Evaluate all information supplied on new construction application. Verify and obtain documents by reading DU findings and Underwriters Conditions. Assemble and submit file to underwriting department to review loan for finalizing,

Skills: Worked also for builders and Process Builder Loans for: PARKSQUARE HOMES -04/19/05- 01/04/2007-LINCOLNMORTGAGE also Builder -MARONDA HOMES -MFC MORTGAGE INC 06/03-10/04 Microsoft Viewer, Internet, Word, Access, Excel, Customer Service, Loan Specialist, Banking, SQL Data Reports System, Legal Documents, Credit Evaluation, Credit Approval, 15 years of Mortgage Loan Processing, 2 years of Paralegal/Legal Assistance. Credit Card Servicing, Encompass, Calyx-Point, Banking systems, Paperless Loan Processing, Paperless Systems, Loan Documenting, Analytical and problem solving. Attention to details. Analyze Loans, Audit credit files. Calculate income properly on wage earners and self-employed borrowers. Bankruptcy-Foreclosure Paralegal Assistant, LPS, MFR, POC, PLAN REVIEW, PPFN, NOA drafts. Bankruptcy filing, PACER Court system, Court Dockets Petitions and schedules.