Nicole L. Moreland

**** ********** **.

Dallas TX, 75232

972-***-****

adzl40@r.postjobfree.com

WORK EXPERIENCE

Sr. Collateral Analyst, Rushmore Loan Servicing April 2022-May 2023 Irving, TX

Performs collateral reviews and identifies exceptions while providing expertise on the collateral process

Updates reporting weekly to make sure all queries are in compliance

Facilitates the cure of collateral exceptions and creates documents that are needed to complete tasks

Updates the collateral tracking system

Fulfills internal requests for collateral review and document preparation to be sent to 3rd parties or other vendors

Compiles document and account information to the correct parties to ensure company guidelines are in regulation

Coordinate with other departments and identify issues for escalation to management where needed

Recommending with team and or management regarding findings in collateral audits and provide solutions to cure

Liaise between respective parties to service internal and external clients in a timely manner Reverse Document Services Sr. Associate, Nationstar Mortgage/Mr. Cooper May 2015 – April 2022 Irving, TX Responsible for the creation and/or recordation of mortgage collateral documents

Title Curative, Subordinations, partial lien releases, scrivener’s affidavits

Work with 3rd party vendors such as Title 365, HUD, First American Title Company to complete exception’s out of sla

Examine public records to complete full title searches regarding addresses, legal descriptions and names on all mortgage documents

Check work for accuracy before and after completion of all requests

Diligently follow up on outstanding allonges requested through LPS/Blacknight

Examine existing loans and collateral documentation received from custodians or buyers to cure exceptions or deficiencies

Contact appropriate parties for corrections or to receive necessary documents to complete chain of title

Perform Verification of Standing checks of collateral packages

Audit loans to ensure all required documents are followed by investor guidelines

Request, obtain, process and track original collateral documents from custodian for loans in progress of foreclosure or bankruptcy

Review collateral files for missing documents and create curative documents, such as affidavits, allonges, mediation certifications and lost not affidavits

Assist with special projects regarding onboarding issues

Research issues regarding chains of title, and documents, via 3rd parties, attorneys, and court records Quality Assurance Specialist, Newbold Advisors February 2014- May 2015 Ft. Worth, TX Responsible for auditing servicers and sub-servicers adherence to federal, state, and consumer laws and regulations

Conducted loan-level reviews to evaluate adherence to servicing requirements

Acted as a liaison between client and servicer/sub-servicer

Reviewed new and existing training programs, processes, and documentation on files to ensure compliance

Responded to compliance reviews and recommend and/or implement changes as deemed appropriate

Completed monthly and quarterly compliance testing Mortgage Auditor, Bank of America/Randstad January 2012 –December 2014 Dallas, TX Auditor for FHA/VA and Conventional loans for HMDA data, contacted FHA and or VA offices for assistance on problems needing to be solved.

Prepared summaries of loan level reviews of QC findings

Reviewed closing documents to determine accuracy of information and need for additional documents

Assisted team lead/ manager with training new hire

Developed policies and procedures, operational workflows, and system training guides

Documented information in the system and sent to appropriate loan departments

Assisted on special projects regarding the Service Members Civil Relief Act (SCRA) Underwriter II, Ally Financial April 2007 – December 2012 Dallas, TX Responsible for approving or recommending denials of mortgage loans, following Company standards

Familiar with FNMA, FHLMC, FHA, VA, and SCRA regulations and guidelines

Compiled, analyzed, and documented loan data and credit risk

Determined the capacity by evaluating the credit, assets and liabilities

Orients, trains, assists and mentor more junior level Underwriters

Establish and maintain a direct relationship with the business areas on lending propositions in order to provide structured, consistent and tailored advice

Conduct proactive and effective pipeline management in accordance with performance standard expectations

Approved/denied loans based on investor or agency loan guidelines and overlays

Acted as relief manager in the absence of Underwriting Manager

Reviewed short sales for approval in accordance with investor guidelines

Provide ongoing support and guidance to the Business Development Managers Loan processor, American Home Mortgage January 2005- March 2007 Irving, TX Responsible for providing loss mitigation workout options and processing in a timely and accurately manner

Performing initial appraisal of potential borrowers by thoroughly examining each application, while adhering to law requirements and company policies

Assess credit standings of applicants through background research

Reviewed income such as regular paycheck stubs, tax returns, 401k, SSI, and profit and loss statements to determine the incoming and outgoing expenses

Follow up with borrowers regarding missing documents to complete loan applications

Finalize loan contracts and advise of rules and obligations EDUCATION

University of Phoenix Dallas, TX

Technical Skills: MS Suites•LPS/Blacknight•MSP•AS400•DocTrak•TabFusions•Ecompass•Filenet Mers E-Registry,Envest, Languide, County Records, FDIC, Datatree Hermit, Microsoft Office/Excel, Pinpoint, notary for 5 years at Mr. Cooper

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