Janel R. Miles

ady0ru@r.postjobfree.com

Fayetteville, GA 30214

770-***-****

PROFESSIONAL OBJECTIVE: To obtain a position where my current skills and knowledge can enhance that organization as a team player.

QUALIFICATIONS/SKILLS/TRAINING

Non Judicial & Judicial

Foreclosure/Bankruptcy/Eviction Experience

Lenstar, LPS, Vendorscape, IClear, Landtech,

CaseTrax, MSP, CPI, Worldox, Black Knight,

PACER, LexisNexis

Supervisor – staff of 20

Analytical ability and good judgment

EXCEL/Lotus 123/Quartzx Press/ MS Word

Accounting programs

Detail oriented/Customer Service Excellent PC skills and possess high level of proficiency in Microsoft products

Handle multiple tasks effectively

Team Player/Leader

Worked with many lenders and servicing companies: Ocwen, Aurora, Bank of America, Wells Fargo,

Option One, Chase, Litton, Bayview, etc.

Knowledge of underwriting Loans, DTI,LTV

Knowledge of TRID, TILA, RESP, Change of

Circumstance, and Disclosure Timing

Accurate and efficient in the completion of

assignments/Deadlines

Marketing/distributing/collections

Payroll Experience

Strong communication (written and oral) skills

Knowledge of analyzing property appraisals, title report, purchase contract, etc.

Knowledge about 4 C’s of Underwriting

PROFESSIONAL EXPERIENCE

SitusAMC – Credit Specialist 2 Remote Access 07/20/2021 – 6/30/22 o Validated/corrected the analysts work product, provided feedback where possible, identified areas of improvement.

o Reviewed of the overall credit profile of the loan and made a determination of risk regarding ability to repay

o Compare seller info vs review information for discrepancies in data or red flags o Utilized system reports throughout QC process to review compliance failures, data comparison errors, review patterns, data errors, etc. o Identified any additional red flags and discrepancies noted during the initial review o Identified staff needs or identified issues requiring special training (group or individual) and communicate to Client Service Manager

o Ran system logic against information captured and handle any exceptions that came from the application of logic against the data captured o Knowledgeable of compliance regulations and documentation applicable to mortgage lending

o Interpreted and validated income, assets and liability documentation to support underwriting decision

o Review appraisal to support value and all other real estate owned o Familiarity with fraudulent red flags and outside services used to determine or verify fraud

o Ability to read and evaluate payment histories and servicing comment o

SitusAMC – Credit Specialist 1:

Remote Access 07/20– 7/21

● Review loan packages, underwriting guidelines, or data files to identify the documentation necessary for the review.

● Capture required information from such information (which may include bookmarking the relevant pages where such information can be located) in a designated place which will usually be an AMC or client designated system.

● Run system logic against information captured and handle any exceptions that may come from the application of this logic against the data captured. Apply exceptions and handle validations where necessary to ensure a complete and accurate review.

● Identify problems with files and/or job notes to the AVP, TM and/or CSM overseeing your engagement

● Knowledgeable of the principals and compliance regulations and documentation applicable to mortgage lending

● Interpretation and validation of income, assets and liability documentation to support

● underwriting decision

● Review appraisal to support value and all other real estate owned

● Familiarity with fraudulent red flags and outside services used to determine or verify fraud

● Ability to read and evaluate payment histories and servicing comments o

SitusAMC - Servicing Underwriting QC Analyst:

Remote Access 06/13 – 7/20

o Ensure that the correct decision has been made by the Analyst based upon the scope of the relevant review o Depending on scope of review this may involve a review of the overall credit profile of the loan and a determination of risk regarding ability to repay

o Compare seller info vs review information for discrepancies in data or red flags o Utilize system reports throughout QC process to review compliance failures, data comparison errors, review patterns, data errors, etc.

o Identify any additional red flags and discrepancies noted during the initial review o Provided constructive feedback to analysts to develop and refine their abilities and growth o Identify staff needs or identified issues requiring special training (group or individual) and communicate to the Client, Service Manager and SVP, Head of Underwriting. o Run system logic against information captured and handle any exceptions that may come from the application of this logic against the data captured. Apply exceptions and handle validations where necessary to ensure a complete and accurate review.

o When no QC work is available or as may be required to meet business needs, underwrite loan files Mortgage QA Analyst/Auditor – Team Lead:

Apex Systems, Inc. at Wells Fargo – Hapeville, GA 12/11 – 10/12 o Responsible for developing and applying basic audit skills while performing audits of mortgage servicing activities, identifying audit findings, and making recommendations to management. o Reviews loan documentation, exceptions, and files - individually or in aggregate, to determine if programs, processes, and documentation comply with internal company requirements, insurer guidelines, investor requirements, and/or government regulations for Loss Control Technology Services Solutions Group. Assist Agents with questions and concerns regarding process and procedures for audit. o Assist with special projects.

o Communicate management’s expectations and goals to agents. o Default Service Paralegal:

Weissmann, Nowack, Curry & Wilco P.C. – Buckhead, GA 06/10 – 1/11 o Prepared and reviewed various documents necessary for the Bankruptcy and Evictions process. o Prepared complaint, motion, affidavits, consent orders, no opposition orders, final judgment, and hearing files/cases etc.

o Pulled Pacers; E-filed documents, monitoring dockets o Communicated with Judicial Assistants and County Clerk and Sheriff Departments monitoring the status of motions, affidavits being entered on dockets and verified Judgments for evictions have been signed by the Judge

o Remained in constant communication with the client. o Foreclosure Paralegal:

Morris, Hardwick, Schneider – Sandy Springs, GA 02/09 – 12/09 o Prepared and reviewed various documents necessary for a valid judicial foreclosure sale. o Prepared complaint, motion, affidavits, final judgment, and hearing support etc. o Pulled Pacers; E-filed documents, monitoring dockets o Communicated with Judicial Assistants and County Clerk monitoring the status of motions, affidavits being entered on dockets and verified Judgments had been signed by the Judge o Remained in constant communication with the client. o Evictions Paralegal –Team Lead:

Prommis, LLC - Atlanta, GA 06/08 – 2/09

o Verified the property address utilizing the foreclosure documents. o Prepared the demand letter requesting possession of the property o Prepared the dispossessory action filed it with the courts with the proper filing fee o Monitored eviction case via website or phone to see when the case status with the court and if the property was served with the dispossessory action. Monitored eviction case for the issuance of a default judgment or the case was set for a hearing to gain a judgment

o Prepared the writ of possession once the judgment was issued o Consistently updated client’s websites.

o Notified the clients when the eviction was delayed due to bankruptcy filings voiding the foreclosure sale o Prepared cash for keys documents for certain clients. Performed all other duties as assigned. o Default Service Manager:

Hale & Cox, LLC - Atlanta, GA 10/05 – 2/07

o Prepared and reviewed various documents necessary for a valid foreclosure sale. o Prepared bidding instructions, submit publications to newspapers, ordered and reviewed title proofed affidavit of publications

o Prepared documents to record

o Resolved client issues and concerns re: FHA, VA and CONV Loans o Order VA Appraisal; notify IRS, subordinate lien holders, invoiced clients o Prepared Bankruptcy documents, filed MFR, POC, NOD, Consent Orders; maintained Court hearing calendar for upcoming BK hearings and provided hearing support o Communicated with debtor’s Attorney

o Prepared Eviction documents Notice of Demand, Writ of Poss.; Disposs. Notice o Cold Calls to prospect clients; Made travel arrangements, etc o Supervisor, Foreclosure Paralegal:

Morris, Schneider and Prior, LLC -Atlanta, GA 12/02- 10/05 o Managed Sale Day for GA Foreclosure Dept.

o Managed employee’s timesheets and issues between departments., etc o Reviewed daily reports to assure deadlines were met o Prepared and reviewed documents to record

o Resolved client issues and concerns re: FHA, VA and CONV loans o Ordered VA Appraisal, notified IRS, subordinate lien holders, invoice clients The Legal Advertiser/Legal News- Detroit/Troy, MI 9/97 – 8/02/02 o Foreclosure Clerk/Court Representative:

o Sent out postings for foreclosure property for Wayne, Oakland and Macomb counties o Probate issue

o Reviewed mortgage foreclosure deeds prior to auction, picked up and delivered documents to clients o Handled many issues from started publication for foreclosures to assisting Wayne County Sheriff Department with foreclosure auction to making sure Sale Documents were recorded in a timely manner o Foreclosure/Billing Clerk:

o Processed legal foreclosures for publication

o Processed subscriptions, follow-up on any inquiries about subscriptions o Supported bookkeeping department from A/P, A/R, preparing bank deposits EDUCATION

Michigan State University E. Lansing, MI - completed 2 years of credit: Business (Tax, Accounting/Finance) 6/91-12/93 Diploma: 1991 Mumford High School - Detroit, MI Sum Cum Laude ACHIEVEMENTS / OTHER ACTIVITES:

SitusAMC Training certified completed courses:

AllRegs - FCRA, HMDA, RESPA, S.A.F.E. Act, TIL, Anti-Predatory Lending, Integrated Disclosures, Red Flags Identity Theft, Vendor Management, Unfair Deceptive or Abusive Acts or Practices(UDAAP) Wells Fargo Training certified completed courses:

Fair and Responsible Lending; Home Mortgage Basics; Combating Money Laundering; Reporting Suspected Financial Abuse; Fraud Awareness; Collections Effort Basics and Loss Mitigation; Home Preservation Foreclosure Training Bankruptcy Overview; REO - Pre- Marketing; Effective Communication and Relay Services Taught Vacation Bible School at Allen Temple AME, Woodstock, GA Promoted to Sr. Paralegal at MSP 4/2004

Employee of the Month at MSP 5/2004

Promoted to Supervisor at MSP 11/2004

President – DECA (Distributing Education Club of America); Compact Program; National Honors Society Mumford High School

References available and salary requirements upon request

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