Customer Service Specialist

Terri L. Eunice

**** **** **** ************, ** *2254

Home 904-***-**** Cell 904-***-****

Email: ***********@*****.***

Work Experience:

Florida Capital Mortgage Bank

Jr. Underwriter/Underwriter

October 24, 2011 - April 27, 2012

Serve as a Jr. Underwriter assist with underwriting scenarios by running loan through DU. Clearing conditions such as appraisal, income, assets, purchase contracts, credit reports, supplements, and title reports. Maintain constants contact with the CRM’s, and Brokers. I possessed the ability to work under high volume and meeting the company expectation on turn times. Provide excellent customer service internal/external. My duties as an underwriter is to review the loan application thoroughly ensure that the specifications of properties and terms of loans meet the requirements of the financial institution and with the government regulations. Review the income, assets, and liabilities to determine the borrower credit worthiness to repay back the mortgage loan.

Ever bank

Loss Mitigation Specialist IV

September 1, 2009- October 14, 2011

Serve as a Loss Mitigation Specialist. I negotiate with mortgagor, investor, client, attorneys, and 3rd parties to avoid foreclosure. I prove an analytical decision of each mortgagor financial

Standing and is able to discuss the available options with them in a professional manner. Monitor

And follow up on planned payments with mortgagor. Research foreclosed closed loan to see if the loan was close accordingly per FNMA/FHLMC guidelines if it was not I had to prepare a chronological report detailing the process of the loan, when the first publication took place or rather the loan had a work out, filed bankruptcy, or any other activity that would had accrued. Investigate if there had been any fraud involve if so, properly document what happen detailing the specific such as red flags with inflated income, appraised value, and property flipping. Once I complete my report I would then give it to upper management for review. My other duties were to use HSSN (Home Saver Solutions Network) which is Fannie Mae’s hierarchy system for Conventional loans to see if they would qualify for a type of workout such as Forbearance’s, Payment Reduction Plan, Repayment Plan or other Forbearance during the borrower time of hardship.

Ever bank

Wholesale Underwriting Liaison

April 21, 2009 - September 2009

Serve as a Liaison, my duties and responsibilities were to work diligently with the Senior Underwriter and to assist with underwriting scenarios by running loan through DU/LP. I cleared basic underwriting conditions. Assist with reviewing appraisal, titles, bank statements, purchase contracts, and 401K statements. I order and review fraud guard, 411.com, real quest, Google request. Complete appraisal validation with FHA appraisal logging. I possessed the ability to work under high volume of issues. Make sure that we received a clear CAIVRS number from FHA connection. Review all forms for accuracy such as 1980-21, FNMA 1008, 1003, and FEMA 81-93.

Fidelity National Finance

Special Assets Specialist-Delinquent Taxes/Tax Sale

July 2, 2008- April 8, 2009

Serve as a Special Assets Specialist. I ensure work queues were processed in a timely manner and kept current on a daily bases. I monitor delinquent taxes; tax sales and Action in the Name of issuer were current before the property goes to sale. Document the system with appropriate action and/or follow upon each file in current information. I ensure report, issues, and email boxes are handled in a timely and efficient manner. Respond to all on-site, regional, client and attorney telephone calls and request with 24hrs of receipt. I performed other duties as assigned.

Custom Staffing Agency-Contractor

Bank of America

Home Service Specialist II

March 2007 to March 2008

Serve as a Home Service Specialist, in which I maintain a pipeline average of 50 loans per month.

I process all assigned loan application in a timely and efficiently manner. I obtain, prepare and

Analyze all loans information and documents. Reviewed and cleared pos documents on line

Through AWD or File net. Provide excellent customer service to the Business Partners and

Borrowers. Advise the business partners if there were any problem with the loan and provide

Other options to qualify the borrower for the loan. Order credit supplement, title and appraisal as

Needed. Submit the file to the closing department once the loan is approved. If the borrower has

A Bank of America account and like for the mortgage payment to be ACH, I would input the

Information into the system as required.

Countrywide Homes Loans

Jr. Underwriter/ Production Specialist II

November 2004 to July 2006

Serve as a Junior Underwriter/Production Specialist. I manage a pipeline of 80 loans or more, to including multi-million dollars accounts. I use pipeline management tools to coordinate my work process on a day-to-day basis. I was the main point of contact for our Wholesale Lending Division and business partners. Serve as a liaison between the business partners, title agencies, realtor, and borrowers meeting turnaround time and exceeding expectation. Clear all conditions of the loan process which include; appraisals, pricing extensions, commitment letters, and closing acquisitions in a high volume work environment. Prepare condo/ PUD approval review and budget, bylaws and master policy. FHLMC/FNMA and FHA/VA experience. Order final inspections and prepare documents for escrow holdback. Provide excellent organization skills and customer service to internal and external customers.

Washington Mutual Bank

Senior Loan Coordinator

August 2002 to November 2004

Serve as a Senior Loan Coordinator; I maintain the knowledge of Banks policy and regulatory requirements. I manage and average a pipeline of 70 or more loans. I contacted customer to obtain all documents to process the loan. I review and analyze all documents to underwrite and approve the loan. Maintain constant contact with vendors (title agencies, insurance company, appraisal, realtor and brokers) throughout the loan process. Prepare subordination agreement to send to title agencies or lenders. Review POA assuring acceptable company policy. I clear and approve HOA Condo/PUD. I review tax returns by using the Cash Flow Analysis form.

Education

High School Diploma 1986 Jacksonville, Florida

FCCJ-Mortgage Broker Licensee 2006

Training and Certificate

Title Certificate, Tax Return, and Appraisal training 9/2002 and 3/2007

Summary of Qualification

Proficient in ALSS, Mortgage Ware, ECCM, Mortgage Desktop, Pronto, Loan Works, LPS, AWD, MSP, BOSS, and Calyx. Microsoft Office Suite, Microsoft Word and Excel, Access and PowerPoint Internet web, Email. Finance and Insurance, Credit Signing Authority, Default Mortgage Experience, HSSN, FNMA Regulations. US, DU, LP, DO. Solving, Quality Analyst Reviewer Researcher, Auditor, HAMP

References available upon request

Contact this candidate