Banking and Loan Servicing Specialist

Kishma T. Warrell

Banking and loan servicing professional

*************@*****.*** 862-***-****

LinkedIn Columbia, South Carolina 29212

Professional Summary

Banking and loan servicing professional with 20+ years of experience in commercial and mortgage loan portfolios, foreclosure processing, AML/CIP compliance, and client support. Known for improving operations, contributing to special projects that procured

$115M, and helping drive a 33% branch performance increase. Skilled in loan boarding, payment processing, reconciliations, regulatory compliance, and process improvement, with advanced proficiency in Black Knight, LexisNexis, FileNet, CMAX, and Microsoft Office. EDUCATION

Business Accounting

Florida Tech, Melbourne, FL

2010 to 2011

PROFESSIONAL EXPERIENCE

Innovative Business Solutions, Columbia, SC

Commercial Loan Servicing

2020 to Present

• Conduct research and analysis on loan issues and provide solutions to clients.

• Process payments, calculate and input late fees, and compare charges to estimates.

• Mail monthly borrower statements for due payments and delinquencies.

• Maintain communication with clients via email and respond to questions regarding payments, payoffs, insurance dates, and adjustable-rate loans.

• Manage multiple accounts within guidelines and maintain daily, weekly, and monthly logs and reports.

• Review mortgage notes, security instruments, and compliance agreements.

• Create accurate boarding for new loans.

Hutchens Law Firm, Columbia, SC

Foreclosure Processor

2016 to 2020

• Transmit right-to-cure letters on mortgage accounts 120+ days delinquent.

• Order appraisals on delinquent properties.

• Request updated title searches for attorneys.

• Set up new foreclosure referrals, closing files, and track foreclosure proceedings.

• Communicate with clients and borrowers to resolve issues in a timely manner.

• Mail or upload original documents to county courts for recording. Wells Fargo Co, Columbia, SC

Loan Servicing Specialist III

2015 to 2016

• Reviewed loan agreements and submitted claims to Fannie Mae and Freddie Mac.

• Processed loan disbursements and payoffs from corporate and escrow histories.

• Evaluated documents to determine loan eligibility.

• Audited residential loan origination and servicing for compliance with FNMA, FHLMC, FHA, and VA guidelines.

• Worked on special project tasks that procured $115 million collectively.

• Recommended process enhancements to improve efficiency. TD Bank, Lexington, SC

AML Representative II – CIP

2013 to 2015

• Developed understanding of laws and regulations related to BSA/AML.

• Audited fraud and error reports and performed BSA/AML research activities.

• Supported management through risk identification, control testing, and process improvement.

• Verified customer identity and information.

Bank of America, Savannah, GA

Senior Teller

2011 to 2012

• Assisted other tellers in resolving complex issues in daily operations. Page 1

• Examined checks for proper endorsements.

• Explained, promoted, and sold products such as travelers checks, money orders, and cashier's checks.

• Issued checks to bond owners in transaction settlements. Hudson City Savings Bank, Orange, NJ

Teller/Head Teller

2007 to 2010

• Communicated audit results to upper management through written reports and oral presentations.

• Maintained friendly and professional customer interactions.

• Increased branch performance by 33%.

• Analyzed transactions for signs of fraudulent activity. Kmart, Wayne, NJ

Cash Office Accounting Clerk/Asst. Manager

2004 to 2007

• Balanced monthly general ledger accounts to accurately record costs and month-end accruals.

• Worked with management on projects to ensure expense plans were achieved.

• Successfully supervised a team of 24 members.

• Created daily and weekly cash reports for accounting management. SKILLS

• Black Knight

• Web Direct

• FileNet Imaging & Workflow

• Loan Servicing & Operations

• ACH & Escrow Transactions

• Client & Borrower

Communication

• LexisNexis

• LoanSphere

• Microsoft Office (Excel, Word,

Outlook)

• Commercial & Mortgage

Loans

• Regulatory & Investor

Compliance (FNMA, FHLMC,

FHA, VA)

• Reporting & Reconciliations

• WebEx

• QuickBooks

• Lotus Notes

• Payment Processing & Payoffs

• AML / BSA / CIP Compliance

• MSP

• CMAX

• Accruent

• Other Mortgage Software

• Loan Boarding &

Documentation Review

• Risk Identification & Audits

• Loan Boarding

& Implementations (PCFS,

LaserPro)

REFERENCES

Available upon request

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