Consumer Relations May Be

LIZZETTE IRIS MEDINA

Apopka, FL ***** Cell: 407-***-**** ******.********.*@*****.***

SKILLS & ABILITIES

·Proficient in Microsoft Office Programs (Word, Excel, Power Point), Ability to work with Windows operating system.

·Excellent verbal and written communication skills used in Teamwork and leadership roles, Creative ability for problem-solving and strategic planning.

·Experienced critical thinking skills for calculating case analysis, financial recording, and prioritization.

·Experienced in several Mortgage system software (Encompass, Mortgagebot, Quest soft, Byte, ConformX, FHA Connection-Leap, etc.)

EXPERIENCE

2019-Present

Loss Mitigation, Freedom Mortgage Corporation

·Responsible for the ordering title and credit reports

·Analyze delinquency, escrow analysis, and modification scenarios

·Responsible for the review of such items as paystubs, tax returns, bank statements, credit reports and other forms of financial documentation to determine modification options

·Analyze borrower’s financial situation (DTI), Review borrowers BRP Financial Packages.

·Calculate forbearance plans, loan modifications, and deed in lieu options according to investor guidelines.

·Maintain pipeline report

Closer/Funder, Freedom Mortgage Corporation

·Coordinating loan closing in compliance with Freedom Mortgage Corporation. Prepare legal and closing packages for title companies and attorneys.

·Prepare Closing Disclosures and Loan Estimates, Disclosure history and identify compliance violations and over tolerance.

·Review Title Commitments, Insurance Policies, PMI certification and all loan documents for accuracy.

·Review files to ensure compliance with underwriting, government, and investor and company requirements.

·Preform excellent communication skills in timely matter with all involved to obtain loan status information.

· Responsible for preparing and verifying final figures.

·Coordinate closing with title companies

2015-2019

Mortgage Lender Closer & Funder, RP Funding

·Responsible for Conventional, FHA and VA refinance and purchase transactions, gathering and reviewing all necessary documentation, ensuring all outstanding conditions are or can be met, preparing closing documents, reconciling, and approving HUD-1 settlement statement, requesting wire transfers for funding.

·Highly respected customer advocate ensured customer protection from exaggerated closing cost by meticulously adhering to Federal and State Predatory laws.

·Investigate loan eligibility and update loans with correct or new information.

·Verified loan documents including but not limited to income, credit, appraisal, and title.

·Thoroughly audit all Collateral Package by state to ensure no documents are missing, review of all printed dates and borrowers’ signature(s) (Spouse and non-borrowing spouse)

·Calculated lender credits and other fees, charges, discount for final closing disclosures.

·Reviewed lock confirmation for accurate pricing and calculate principal balance and escrow balance at time of closing.

·Funded more than 100 mortgage loans each month.

2012-2015

Compliance Supervisor, Proficio Mortgage Ventures LLC.

Quality Control –

·Assist with coordination of monthly post-funding quality control.

·Assisted as a Team Leader with training of file audit reviews.

·Import and submit files to Federal Government via Quest Soft database.

·Corrective Actions –

·Prepare mandatory quarterly, semiannual and annual compliance reports as a means of quality assurance per each regulation specified guideline.

·Coordinate as needed with outside counselors and regulatory agencies to determine relevant regulations and their ramifications.

·Collaborate with other internal departments (i.e., Complaints, Operations, Reverse Mortgage Division, etc.…) to identify existing and potential risks.

·Draft Preventative Actions and analyzed past audits and PMV’s resolution piece to determine if the non-compliances have been fully rectified.

EDUCATION

Present

·Bachelor’s in Business Administration, Strayer University

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