Customer Service Quality Assurance
Resume:
SHERRY GHOFRANIAN
714-***-**** IRVINE, CA ***********@*****.***
FORECLOSURE / QUALITY ASSURANCE ANALYST
LOSS MITIGATION/LOAN MODIFICATION
Highly Motivated Individual With DRE # 01760769 & NML S# 321149 With Knowledge Of Real Estate Concept. The Process Of Short Sale, Loan Modification, REO, Mortgage, Customer Service, Sale And Training. Dedicated Business Professional With Strong Analytical And Reporting Skills. Knowledge of MSP, LPS, Share Point, File Net, Vendor Scape, Lenstar. DU and LP.
PROFESSIONAL EXPERIENCE
US Bank Corp.
Irvine, CA
February 2012 To Present
Residential Mortgage Default Management/ Foreclosure/ Loss Mitigation
QA Mortgage Analyst-QA Underwriting
● Reviewing and analyzing the accuracy of the following documents prior to the sale Date: Loan’s default status, appropriate legal authority of the bank, required foreclosure Notices to the borrower, examining SCRA as well as active bankruptcy reports to insure Compliance with all applicable legal requirements to foreclose. Validation of submitted Exhibits/ screen shots to establish and determine whether a scheduled foreclosure sale Date should be postponed, suspended or cancelled Due to critical / Non critical findings During the review which would warrant Such action to be taken.
● Independently monitoring and reviewing residential mortgage default and non-default Management Business line activities to ensure the policy and procedures of each business Line has been maintained.
● Conducting a second look on declined loan modification review for every modification Request declined for reasons related to income. Re-Checking DTI.
Performing QA for OCC/ PWC/ Rust Project. (Team Lead)
● Research and audit, HAMP, FDIC loan modification, and short sale files to ensure Government requirements were met. Review loan modification underwriting worksheets, Short sales, and foreclosure-related documents. Monitor pipeline reports On a daily basis.
Evergreen Realty & Loan
Irvine, CA
April 2008 To February 2012
Loss Mitigation, HAMP & FDIC Loan Modification, Short Sale, Mortgage Consultant / SPOC/ Team Lead (HARP- FHA-Conventional-Jumbo)
● Contacting the delinquent borrowers and offering solutions such as short sales, loan Modifications, lowering interest rates to make repayment feasible and deed-in-lieu.
● Preparing and submitting FDIC & HAMP Loan Mod on imminent default loans.
● Creating a work out solution that best meet the borrower’s financial situation as well
As the investor’s guidelines in the form of repayment plan, payment deferment, short
Sale of the property, refinance and loan modification as an alternative to foreclosures.
● Review and analyzing hardship letters, financial statements, credit history, income,
Obligations and value collateral to determine if borrower qualifies, in addition to
Evaluate and recommending loan rate, payment and term restructuring based on
Borrower’s ability to repay according to investors guidelines.
● Meeting aggressive timelines on all aspect of the transactions.
● Examining Title reports and MLS search to determine current market value.
● Performing Quality Assurance on all contract.
Financial Remedies Bancorp.
Laguna Hills, CA
October 2004 To April 2008
Mortgage Consultant Manager /Processor/ Trainer
● Originating and processing residential and commercial loans.
● Prepare and processing mortgage loan records, files and correspondences from
Application through approval. Using automated underwriting.(DU & LP) to obtain approvals.
● Assuring on compliance with banks, regulatory guidelines and customer service.
● Communicating with customers, internal staff, brokers, counsel, title companies, etc.
To respond to inquiries, resolve problems.
● Manage and training group of 14 loan originators.
ACE Enterprises / Engrave World Inc.
Santa Anita Fashion Mall, Cerritos Mall, Westminster Mall
October 1990 to May 2004
National Sales Manager
Designing and manufacturing lines of glass sculptures and full line of Wedding accessories.
● Traveling to China twice a year for Quality Control and importing.
Managing several corporate accounts such as entire MGM properties in Las Vegas, Costco.ie.
Engraved and personalized full line of glass, crystal, metal gifts and novelties. ● Established three specialty retail fronts from ground up.
● Hiring and training staff of over 85.
● Signing and negotiating contracts with vendors and mall managements.
Company sold in 2004 with a high profit.
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Education
University of Southern California
Business Administration & Marketing
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