Data Entry Customer Service

KAMIL KNIGHT

Grand Prairie, TX *****

************@*****.*** / 214-***-****

SUMMARY

To secure a challenging position with a dynamic organization which will enable me to apply my education and creative skills to the benefit of the organization.

SKILLS

Income and Document Evaluation

Verbal and Written Communication

Several operating systems - Encompass, Calyx,

Agent Desktop, CCW, and HERMIT

Desktop Underwriter Expert - AUS Findings, DU/LP

analysis

Fair Housing Regulations

Escrow/Impounds, Appraisal Analysis, Banking,

Credit Analysis.

Regulatory Disclosure Preparation

Attention to Detail

Microsoft Word, Microsoft Excel, Microsoft Power

Point

Customer Service

EXPERIENCE

Senior Mortgage Specialist / Ocwen Financial (Contract) - Houston, TX 03/2023 - 08/2023 Responsible for performing tasks associated with assigning loans to HUD for serviced portfolio. Research to gather required documents, reviewing completed claims packages for completeness and accuracy in accordance with HUD guidelines, submitting claims packages to HUD, and monitoring HUD for package approvals and ultimately filing a claim to HUD.

Data entry into core systems for required data fields. Complied applications and paperwork and double-checked for accuracy. Submitted applications to credit analysts.

Mortgage Final Document Specialist / U.S. Bank (Contract) - Irving, TX 06/2022 - 03/2023 Performs a formal review and inspection of all final loan documentation to insure accuracy and completeness within the designated time period

Contacts the appropriate party for timely delivery of all final loan documentation Performs data entry of appropriate data elements from the documents into current tracking system and completes necessary forms and reports to track final documentation process Reviews final documentation for compliance with investor/guarantor requirements Facilitates the correction of any exception identified during the review process Communicates with title agents, recording offices, lenders and borrowers until the exception has been cleared Mortgage Loan Processor /Closing Disclosure Analyst / Sprout Mortgage - Irving, TX 03/2018 - 04/2022 Order all services for loans (title, appraisal, HOI, flood certs,, credit reports, obtaining all information from FHA connections & VA portal)

Calculate income (fixed, salaried) and review assets (large deposits) Disclosing and monitoring initial and revised disclosures to ensure accuracy and timeliness, within regulatory requirements

KK

Review documents to ensure fees and other loan information for accuracy at time of disclosure or redisclosure Accurate completion and entry of calculations; confirming that CD has been prepared according to TRID requirements and the files are always balanced

Works closely with mortgage loan originators to Obtain conditions on the file in order to get file cleared Submit mortgage loan file for underwriting approval. FHA/VA Loss Mitigation Underwriter / JPMorgan Chase - Irving, TX 12/2012 - 03/2016 Review and analyze highly complex borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses, potential fraud and determine proper loan resolution These complex transactions require use of specialized systems, process and contractual requirements Review the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines were followed

Analyze delinquency; perform escrow analysis, modification scenarios and proposals for appropriate work out Loan Processor / JPMorgan Chase - Lewisville, TX 04/2010 - 12/2012 Pre-qualified borrowers for refinance options and work-out plans including various loan modifications Information gathering, documentation analysis, and file preparation/maintenance Calculate income, debt ratios and affordability

Correspond with customers, brokers, title companies and attorneys in order to facilitate delinquency resolution. EDUCATION AND TRAINING

Associate of Arts: Finance 05/2016

University of Texas - Arlington

S.H. Rider High School - Wichita Falls, TX 05/2008 with honors

CERTIFICATIONS

Fair Debt Collection Practices Act (FDCPA)

Foreign Corrupt Practices Act (FCPA) Compliance

Cybersecurity

Email Security for Financial Institutions

Right to Financial Privacy Act (RFPA)

Unfair, Deceptive, and Abusive Acts or Practices (UDAAP) Real Estate Settlement Procedures Act (RESPA)

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