Manager Customer Service
Resume:
Norma Chousa
Carmel, NY **512
(845) 558 – 6542
*******@*******.***
EXPERIENCE: BANK OF AMERICA, Danbury, CT 11/2010 - Present
Home Service Specialist 11
* Processed loans approved by an underwriter or an automated system.
* Responsible for clearing conditions and issuing changes on previously approved loans.
* Responsible for but not limited to verifying conditions of approval.
* Resolved routine title issues and processed subordinations.
* Resolved appraisal disputes and coordinated closing activities.
* Maintained a high level of customer service by communicating with customers
METLIFE HOME LOANS, Newburgh, NY 5/2009 - 10/2010
Jr. Underwriter
* Verification of documentation provided by borrower, assets and income.
* Clearing conditions, resolve title issues/vesting issues.
*Review/resolve appraisal disputes and coordinate closing activities.
*Analyze and evaluate loan qualifications to current guidelines.
* Discuss and resolve underwriting problems with brokers and loan staff.
* Negotiate loan pricing, changes and restructuring.
* Process/underwrite FHA, HUD and conventional loans
* Review Title Reports and prepare files for Closing.
* Perform miscellaneous duties as assigned.
HUDSON CITY SAVINGS BANK, Mohegan Lake, NY
Senior Financial Representative 10/2008 - 5/2009 * Open and close accounts – IRA and CDs
* Assist branch manager to open and close branch.
* Assist tellers override all supervisory transactions.
* Solve customer account discrepancies and complaints.
* Assist in the service of the Automated Teller Machines, replacing it with cash.
* Removed all transactions done at the ATM to input posted to borrowers accounts.
* Perform wire transfers, sell and redeemed savings bonds.
FREMONT INVESTMENT AND LOANS, Tarrytown, NY
Senior Underwriter – Residential Real Estate 02/2004 – 03/2007
* Analyze and evaluate loan qualifications to current guidelines.
* Discuss and resolve underwriting problems with brokers and loan staff.
* Negotiate loan pricing, changes and restructuring.
* Review appraisals with assistance of Automated Valuation Model.
* Perform miscellaneous duties as assigned.
CITICORP MORTGAGE, Lagrangeville, NY
Senior Underwriter 09/2000 – 12/2003
* Analyzed and approved loans based on ability and stability of borrower.
* In charge of refinancing Streamlines
* Reviewed appraisal for condition of property and adequacy of collateral.
* Underwrite conventional loans and purchases.
* Reviewed closed files for wholesale and bankers.
HOUSEHOLD FINANCE, Yorktown Heights, NY Account Executive/Assistant Branch Manager 03/1998 – 09/2000
* Review applications and process them for final approval.
* Conduct home closings.
* Closed and shipped out files for funding.
* Preparation of month end reports for all accounts.
* Process all loan payments done within the branch.
* Review appraisals and titles.
* Assumed branch manager position in absence of manager.
BENEFICIAL MORTGAGE CO., Brewster, NY
Senior Underwriter 06/1997 - 03/1998
* Analyzed and approved loans based on ability and stability of borrower.
* Reviewed appraisal for condition of property and adequacy of collateral.
* Reviewed closed files for wholesale and bankers.
* Conducted due diligence reviews for bulk acquisitions.
Senior Funding Specialist 09/1995 - 05/1997
* Responsible for preparing all legal documents.
* Coordinated and arranged closing appointments with attorneys.
* Addressed all underwriting stipulations.
* Obtained all updated payoffs and resolved title issues.
* Calculated wire transfers.
* Conducted and notarized in-office closings.
EDUCATION: WESTCHESTER COMMUNITY COLLEGE, Valhalla, NY 1975
Associates: Business/ Secretarial
CERTIFICATION: Notary Public
LANGUAGES: Fluent in Spanish
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