Mortgage Servicing Customer Relations

SAHAM HUSSAIN

** ****** ****, ************, ** **840

Mobile: 732-***-**** Email: ************@*****.*** CAREER OBJECTIVE

To obtain a position with а aggressive organization where my experience and knowledge in the banking may excel resulting in growth and profitability within the company. Result driven professional who has maintained a solid track record in accomplishing excellent business to business, as well as, business to consumer sales. Strong Negotiation skills with the ability to originate and close deals, increase sales goals, and performance objectives. Effective working knowledge of sales solutions coupled with persuasive communication skills at all levels of the company. SUMMARY OF QUALIFICATIONS

A dynamic, highly motivated individual with over 9 years of progressive growth in the mortgage industry and over 8 experience in the sales industry. Extensive expertise in all aspects including experience in fixed operations, marketing, advertising, customer relations, recruiting, training and motivation of personnel. A proven leader and communicator oriented to high profit and customer satisfaction. Mortgage Servicing Professional Sr CENLAR FSB October 2024 - Present o Handle all levels of mortgage servicing inquiries for Credit Union Members and Heloc account (i.e. payments, escrow analysis, insurance and tax)

o Research and resolve inquiries via the phone, while continuously providing first call resolution o Ability to work in a fast paced, structured environment adhering to key performance metrics with high emphasis on quality and productivity

o Promote products and services with focus on customer satisfaction and retention o Responsible for working to meet individual and team goals for service level agreements on a daily basis Completes other duties and projects as assigned by the supervisor/manager o Appropriately assess risk when business decisions are made, include but not limited to compliance and operational risk.

o Demonstrate consideration for Cenlar's reputation as well as our clients, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards. Loan Processing Analyst Sr

Assumption Processor PNC MORTGAGE 2021 – 2024

o Assisting customers with the application process, reviewing applicant information, and calculating financial risk to determine whether or not to approve loans.

o Collaborate with underwriting staff and analyze all delivery requirements and maintain all documents as per all loan policies.

o Evaluate all documents and assist in closing of all process and manage all loan portfolios and ensure accuracy of information.

o Design all specifications for all database systems and provide update and prepare required reports and evaluate all loan applications and perform credit review on regular basis. o Manage all underwriting queries from all processors and loan officers and perform final checks prior approval. o Prepare all reports and systems and manage all pipeline clients and coordinate with underwriting leaders to facilitate loan decisions.

o Ensure compliance to all local and federal fair laws and prepare and submit all mortgage applications and evaluate all findings for all applications

o Interview applicants to define financial eligibility and establish debt payment plans. o Monitor and update account records.

o Submit loan applications in a timely manner.

o Prepare detailed loan proposals.

o Reject loan applications and explain deficiencies to applicants. o Respond to applicants' questions and resolve any loan-related issues. o Operate in compliance with laws and regulations. o Submits loans through DU and orders and follows up on any outside services such as credit reports, title, VOE or any content required to fulfill application.

o Monitors loans in process to determine any deviation from standard processing time and to take appropriate actions including notifying the customer and the supervisor / manager for alternatives to ensure timely service. o Analyzes applicant information to determine whether the client is likely to qualify for the desired loan. Mortgage Processor MDE HOME LOANS LLC. 2019 – 2021 o Rendering assistance to lending officers on credit matters and loans involving unusual situations or requiring scrutiny. o Providing credit information and references for customers, loan officers, or other agencies as requested o Performs financial statement analyses.

o Order title, MI and appraisal, if applicable

o Review credit, Fraud report, income, assets, DU, Appraisal, disclosures. o Review title requirements, exceptions, and other information obtained for accuracy, completeness, and conformance. o Pre underwrite the loans.

o Clear Investor suspensions

o Review and collect underwriting conditions and submit conditions to underwriting for final approval. o Assuring compliance with anti-money laundering and Sanctions laws and regulations. o Review and analyze documentation provided on each loan including the 1003, credit report, income and asset documentation, purchase agreement, title report, etc. to make an informed lending decision in compliance with NPF polices and guidelines. o Assist teammates and other team mates as needed. o Managed a pipeline of 40-50 processing files for Conventional, FHA, Refinance loans. Mortgage Processor PETRA CEPHAS INC. 2019 – 2019

o Develop and maintain relationships with homebuyers, real estate agents, financial planners, and builders, etc. o Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. o Submit applications to processor/underwriting for verification and recommendation. o Prequalify prospective buyers, counsel on financing options and repair credit challenged purchasers as needed. o Review loan applications for completeness and accuracy, reconcile applications against system input o Review file for all employment information and order all VOE’s, VOR's etc. o Preview individual and business tax returns

o Run loan through DU and LP and update Encompass with results o Order flood certification and condominium documents o Notify loan officer and processor when loan set up is complete o Review credit report and order all necessary mortgage credit supplements o Gather required documentation from the customer and third parties in support of the loan approval decision.. o Analyze income, assets, and liability documentation o Establish long term relationships with clients and lending partners by delivering the best in customer service. o Other duties as assigned

Account Manager/Senior Mortgage Specialist ALL STATE LENDERS CORP 2016 – 2019 o Cultivate prospective clients through personal relationships. o Personally meet with interested parties to originate loans, perform processing all loans in order to submit file for underwriting. Clear necessary conditions to move the file forward to closing department. o Generation of leads, taking of initial loan application, credit grading of loan, pre-approval and placement of loan, processing of loan package, managing four loan officers and clearing post-closing conditions to ensure funding. o Assessed risks and offsets with respect to borrower’s financial history and provided feedback to all applicable parties o Analysis of all financial statements; to include personal and business tax returns, asset statements, paystubs, and credit reports. o Coach/Guide loan officers to better understand application taking. o Responsible for processing a high volume of various loans daily (conventional and FHA) o Extensive knowledge of FHA/CONVENTIONAL guidelines o Consistently produced top revenue by maximizing lead generation through relationship building, outstanding service delivery, cross-selling and referral development

o Worked closely with Underwriters, Title Companies, Appraisal Companies and Insurance Companies to ensure timely closing. o Personally, processed hundreds of New Purchase Loans, Refinance Loans, and Home Equities Loans. EDUCATION, MERITS & CERTIFICATIONS

o Colonia High School Diploma: 2012

o Rutgers University: Business Administration (in progress) o Compliance Training

o Anti-Money Laundering-Bank Secrecy Act

o Equal Credit Opportunity Act

o Fair Credit reporting & Laws

o Fraud & Suspicious

SKILLS

o MS Outlook, MS Word, MS PowerPoint, MS Excel, Calyx Point, Encompass by Ellie Mae o Financial Skills, Financial Software, Analyzing Documentation/Information, Financial Diagnosis, Reporting/Research Skills

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