Norma Chousa

*** ******* ***** **.

Carmel, NY **512

(845) 558 – 6542

isl3q0@r.postjobfree.com

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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