Mortgage

Lateasa Young

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

Houston, TX 77069

Cell 281-***-****

***********@*****.***

NewRez mortgage Servicing March 2021-Sept 2022

Underwriter Analyst II

Interact with mortgage insurance companies to help potential customers secure mortgage insurance products and services. Create and printout mortgage insurance certifications. Initially examine insurance applications for legal compliance requirements and adherence to individual company guidelines. Evaluates the financial risk to a lender or an insurance company when the homeowner is looking to borrow money or purchase a policy when buying a home. Review credit reports, appraisal value and income to determine which mortgage insurance company will work for the homeowners. Review appraisals and credit reports to advise if there are new credit inquiries or tradelines on the credit history. Update mortgage insurance certification when needed. Advise processor & underwriter if the mortgage insurance was denied and reason for denial. Provide precise attention to detail, mathematical aptitude, communication and organizational skills are key traits of underwriting analysts.

Shellpoint mortgage Servicing

Loss Mitigation Specialist-I December 2019-March 2021

Handles multiple mortgage products that are 60+ days delinquent, as governed by investor, departmental and legal guidelines Keeps servicing files up-to-date so borrowers can receive the best assistance. Minimizes loss due to foreclosure through the use of loss mitigation options, such as pre-foreclosure sales, loan modifications and repayment plans. Makes calls to borrowers, borrowers’ authorized representatives, and brokers. Analyzes financial statements, tax returns, credit reports, and the value of the collateral in order to determine and recommend the most feasible and appropriate workout to the customer. Accurately underwrites the borrower’s income, through the review of paystubs, tax documents, benefit statements, business profit and loss statements, etc. Addresses any borrower question or concern. Handles escalated files appropriately by providing an articulate and complete response. Certifies that all required actions have taken place prior to completing a foreclosure sale.

Reverse Mortgage Solutions

Eviction Specialist November 2016-November 2019 Communicating with eviction attorneys, agents, asset managers, and appropriate vendors via email or by phone regarding the eviction statuses or process of the properties. Demonstrate maintaining a high quality of work in a fast-paced environment, managing a portfolio of 250 properties on a daily basis. Updating properties, scheduling lockouts, approving attorney & eviction fees on a daily basis. Completing eviction invoices and process Relocation Assistance (Cash for Keys) paper work as needed on a daily basis. Provide weekly and monthly reports, to the client advising the status updates with the properties. Resolve and escalate any issues that may occur with the properties if needed.

Bank of America Jr Mortgage

Underwriter/Jr Loan Processor December 2012-Sept 2016 Review a portfolio of conventional and government loans for modifications on daily basis. Perform quality work while working in a fast-paced, high volume environment while exceeding production. Process and handle a heavy workload pipeline of 100-200 loans on a monthly basis, utilizing the ability to multi-task, making strong decision and the ability to solve problems independently under pressure on a daily basis. Review credit reports for accuracy and any red flags, to address, name alerts or credit related issues (i.e. mortgage liens, second liens, judgments & debts) to assure that I meeting the underwriting regulatory quality assurance government guidelines .Calculate and review income, assets and other complex financial documents (i.e. Tax Returns, bank statements) etc Process and key in all the information to see if the borrower is eligible for home retention assistance. Input in the system what documents are missing, incomplete or is needed to underwrite the file. Adapt and is excellent in Strong analytical, oral and written communication skills. Utilize attention to details skills on a daily basis. Familiar with secondary market requirements, strive to provide commitment for teamwork, self-motivation.

Bank of America

Case Management Loan Processor November 2011-November 2012 Process, review and request loan documents (i.e income, place of employment, assets, credit report, tax returns) for accuracy and completion of documents, each loan is updated with the status the loan. Conduct calls to the borrower regarding the status of the loan until we have made a decision on the loan. Receive inbound and make outbound calls from borrowers regarding any questions pertaining to their loan. Review the documents that the borrower sends in to confirm if we need additional and the documents are completed or if the documents are incorrect. Post-pone foreclosure sales date as needed. Work hand & hand with the Underwriters or mortgage loan officers to make a decision on the loans. Handle a pipeline of up to 70 loans that is worked on a daily basis. Advise borrower if the loan is declined or approved for a Trial offer. Conduct in-depth root cause analyses of customer problems and issues. Ensure to reach the goals and metrics that are required on a monthly basis. Ability to identify operational and process issues, document and record escalated matters including but not limited to social media, litigation, cease & desist and collaborate to provide solutions. Work well independently and continually look for ways to add value and drive performance.

Bank of America

Mortgage Specialist/Jr Underwriter September 2010-November 2011 Acted as liaison between the home owner and the bank to see what options the borrower has regarding their delinquent accounts. I manage a pipeline of over 300 or more accounts on a monthly basis. I provided updates to borrower on their account, I advised if they was approved or declined for loss mitigation assistance. I process payments on the accounts. I made outbound and received inbound calls regarding the status on their loss mitigation assistance Assist homeowners with short sales and deed in lieu. I received any updates and is very knowledgeable of HUD guidelines, FHA, USDA and VA loans. Knowledge and experience analyzing and understanding credit bureau information, property titles, tax returns, financial statements, homeowner association documents and other supporting documentation to verify customer financials. Reviewed documents ensuring that the customer has sent in all information required for loss mitigation assistance. Calculated income reviewed assets and credit reports. Handled inbound and outbound calls, regarding any questions or concerns regarding their mortgage, handled active bankruptcy mortgages. I Updated insurance/tax/escrow information. Familiarity of Fannie Mae and Freddie Mac, FHA & VA loss mitigation guidelines Ability to effectively handle multiple assignments with minimal supervision while meeting department performance measures Ability to meet production, quality and service standards, research, quality check, and prepare documents, submit loans to underwriting and request any additional documents that are needed or need to be corrected. I underwrite the mortgage loans when needed on a weekly basis.

Parkland Hospital

Health Information Clerk II May 2008 – September 2010

Answer multi-phone lines Check charts in and out on a daily basis Copy and release patient's information from their medical records as requested Create new charts for patients, as requested, and update patient's information in the computer Organize and maintain health data in an electronic and paper systems. Pulled medical charts as needed per provider or doctor’s request, responsible for reviewing patient records, organizing databases and tracking patient outcomes. Involved with additional training on all state and federal laws regulating patient privacy coordinate work as a team member and with other office and medical personnel file charts on a daily basis using medical terminal digit filing Responsible for locating electronic medical records and updating systems

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