Mortgage Professional

Kecia L. Zuber

**** *** ***** ****** • Atlanta, GA 30316 • 404-***-**** • ******@*****.***

OBJECTIVE

Utilize educational background as well as work experiences to advance professional growth. Forward thinking professional with over 12+ years of experience in mortgage lending, finance, customer service, collections, and real estate industry. Strong organizational, analytical, verbal, and written communication skills that is essential in being a professional.

SOFTWARE & TECHNOLOGY PROFICIENCY: Omni, Sabur, Simple Loan Manager (SLM), MLCS, LoanWorks, Pronto, Calyx Point, AS400/TMO, DU/LP, CLOUT, Microsoft Office Suite, Lotus Notes, Excel, WordPerfect, Access, PowerPoint, FDCPA, TSYS, Internet Savvy, 75wpm

EDUCATION

TUSKEGEE UNIVERSITY-- Tuskegee, Alabama

Bachelor of Science in Finance (May 1994)

GEORGIA MLS TRAINING INSTITUTE-- Morrow, Georgia

Licensed Realtor (March 1997)

PROFESSIONAL EXPERIENCE

BANK OF AMERICA, Kennesaw, Georgia

1/2009-6/2009 FRAUD ANALYST II

• Answered incoming phone calls from a variety of sources.

• Monitored for transaction fraud and identity theft by reviewing accounts and interacting with callers.

• Detected identity theft during interaction with customers and take appropriate steps to protect the account and customer.

• Reported fraudulent activity from customers and complete claims when appropriate.

• Adhered to department set goals, policies, and procedures at all times.

LOAN AMERICA, INC.--Norcross, Georgia

8/2008-10/2008 LOAN PROCESSOR

• Processed refinances and/or purchases loans according to Conventional and FHA guidelines for approximately 10 to 12 Loan Officers.

• Obtained relevant information from customers, loan officers, title companies, appraisers, and realtors upon initial or final submission to underwriting.

• Reviewed automated underwriting data/information on a frequent basis to include but not limited to: Lock-in, appraised value and loan to value, loan amounts, and income & assets information.

• Requested necessary verifications as needed or required by underwriting (such as credit, employment-verbal and/or written, field reviews, appraisals, mortgage insurance, flood certifications, title commitments, sales contracts, 4506 etc.)

• Ensured GFE,TIL, 1003, and Servicing Disclosures were in compliance.

• Adhered to all existing and/or changes to internal or external guidelines, processes, and procedures.

AEROTEK PROFESSIONAL SERVICES--Pittsburgh, Pennsylvania/Washington Mutual-Retail & Consumer Division 11/2004-3/2008 INDEPENDENT CONTRACTOR-LOAN COORDINATOR

• Reviewed loan application packages and all documents for completeness and accuracy.

• Verified and validated supporting income, asset and liabilities documentation to ensure the validity of LP or DU findings.

• Calculated LTV, ratios, funds to close; while ensuring data input in system is accurate before submitting loans to underwriting for final loan approval.

• Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs prior to scheduling settlement.

• Requested necessary verifications as needed or required by underwriting (such as credit, employment-verbal and/or written, field reviews, appraisals, mortgage insurance, flood certifications, title commitments, sales contracts, 4506 etc).

• Communicated on a daily basis with customers, loan officers, attorneys, appraisers, escrow agents, etc. via telephone, email, or mail to obtain additional documentation as needed for loan submission.

• Processed cancelled, withdrawn, and denied files in accordance to HMDA.

• Maintained the activity of approximately 60+ loans in pipeline and consistently achieved monthly goal set by department.

MORTGAGE DATA MANAGEMENT CORPORATION (MDMC)--Sussex, Wisconsin/KB Home Mortgage

6/2004-10/2004 INDEPENDENT CONTRACTOR-LOAN PROCESSOR

• Processed loan applications for new homes construction in accordance with Conforming, Non-Conforming, Subprime, Conventional, FHA/VA program guidelines in high volume.

• Verified and validated supporting documentation on outstanding conditions based upon DU/LP, CLOUT, and New Century automated loan approval decisions.

• Calculated LTV, ratios, funds to close; while ensuring data input in system is accurate before submitting loans to underwriting for final loan approval.

• Requested and/or ordered title commitments, sales contracts, appraisals, credit reports, flood certificates, hazard insurance, and performed verbal and/or written verification of employment on a daily basis.

• Communicated on a daily basis with customers, field loan counselors, attorneys, appraisers, escrow agents, etc. via telephone, email or mail to obtain additional documentation as needed for loan submission.

• Processed cancelled, withdrawn, and denied files in accordance to HMDA.

• Worked proactively with Field Loan Counselors to manage and fund approximately 100-215 loans in pipeline as well as consistently meet monthly goal set by department.

BANKSTAFF--Atlanta, Georgia/Liberty National Bank

2/2004-5/2004 TEMPORARY LOAN PROCESSOR

• Processed loan applications for borrowers to purchase, refinance, or obtain an equity line of credit in accordance with Conventional program guidelines.

• Verified and validated supporting documentation on outstanding conditions based upon DU/LP and New Century automated loan approval decisions.

• Calculated LTV, ratios, funds to close; while ensuring data input in system is accurate before submitting loans to underwriting for final loan approval.

• Requested and/or ordered title commitments, sales contracts, appraisals, credit reports, flood certificates, hazard insurance, termite letters, and performed verbal and/or written verification of employment on a daily basis.

• Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs prior to scheduling settlement.

• Processed cancelled, withdrawn, and denied files in accordance to HMDA.

RESPONSE PROFESSIONAL INCORPORATED (RPI)--New York, New York/ Washington Mutual-Retail Division

6/2003-11/2003 INDEPENDENT CONTRACTOR-LOAN COORDINATOR

• Reviewed loan application packages and all documents for completeness and accuracy.

• Verified and validated supporting income, asset and liabilities documentation to ensure the validity of LP or DU findings.

• Calculated LTV, ratios, funds to close; while ensuring data input in system is accurate before submitting loans to underwriting for final loan approval.

• Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs prior to scheduling settlement.

• Requested necessary verifications as needed or required by underwriting (such as credit, employment-verbal and/or written, field reviews, appraisals, mortgage insurance, flood certifications, title commitments, sales contracts, 4506 etc).

• Communicated on a daily basis with customers, loan officers, attorneys, appraisers, escrow agents, etc. via telephone, email, or mail to obtain additional documentation as needed for loan submission.

• Processed cancelled, withdrawn, and denied files in accordance to HMDA.

• Maintained the activity of approximately 60+ loans in pipeline and consistently achieved monthly goal set by department.

PARLIAMENT FINANCIAL SOLUTIONS--Stone Mountain, Georgia

5/1997-6/2003 MORTGAGE LOAN PROCESSOR

• Processed loan applications for customers to purchase, refinance or obtain an equity line of credit in accordance with Conforming, Non-Conforming, Subprime, Conventional, and FHA/VA program guidelines.

• Calculated LTV, ratios, funds to close; while ensuring data input in system is accurate before submitting loans to underwriting for final loan approval.

• Communicated on a daily basis with customers, loan officers, attorneys, appraisers, escrow agents, etc. via telephone, email, or mail to obtain additional documentation as needed for loan submission.

• Requested and/or ordered title commitments, sales contracts, appraisals, credit reports, flood certificates, hazard insurance, termite letters, and performed verbal and/or written verification of employment on a daily basis.

• Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs prior to scheduling settlement.

• Maintained the activity of approximately 60+ loans in pipeline on a monthly basis.

References Available Upon Request

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