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Charlotte Resume

United States
October 15, 2008

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My goal is to transition into a career change where my analytical skills, extensive experience, and recently acquired education will be significantly utilized and will allow opportunity to achieve the highest results and the greatest ability for advancement.


University of South Florida, Tampa, FL

Bachelors of Science in Finance, December 2007

Core concentration classes:

Strategic Management International Finance Statistics

Financial Statement Analysis Principles of Investments Accounting

Advanced Corporate Finance Financial Markets and Institutions

These courses enhanced my budgeting, forecasting, financial planning and overall management skills.


Florida Default Law Group, Litigation-Bankruptcy Paralegal Jan 2008- Present

Leading Real Estate Owned/Foreclosure/BK Law Firm

 Interpretation, comprehension, application and adherence to local, state and federal bankruptcy regulations.

 Analyzed and prepared Proof of Claims after retrieving data electronically via client systems (NewTrak, Vendorscape, Lenstar and Clairfire).

 Research and drafted legal Affidavits, Motions, Orders, Objections of Confirmation, Proof of Claims and file them electronically in various Bankruptcy districts.

 Handle all Chapter 11 Bankruptcy cases within the firm. Resolved all contested and litigated Chapter 7 and Chapter 13 matters.

 Collaborated daily with bankruptcy and foreclosure attorneys to meet and exceed company timeframes.

 Generated compliance reports weekly and semi-monthly to properly ensure regulations are being met.

 Performed billing in correspondence with services rendered and balanced cost reports accordingly.

First NLC Financial Services, Senior Underwriter July 2006-May 2007

 Lead special projects and provide strategic insight into operations.

 Effectively managed and prioritized multiple responsibilities.

 Ensure adherence to policies, procedures and regulations to achieve all objectives set out to accomplish.

 Review, price, structure and underwrite real estate mortgages.

 Adhere to strict guidelines and regulations (federal, state and local) under extreme scrutiny.

 Conducted credit analysis, collateral analysis and income analysis

 Facilitated weekly meetings to mentor peers and offered immediate solutions in daily crisis situations with quick and effective resolutions

Decision One Mortgage, a division of HSBC, Underwriter II June 2004-July 2006

 Professionally communicated the results of file reviews both verbally and in written format to internal and external customers.

 Review, price, structure and underwrite loans from correspondent brokers throughout the United States.

 Responsible for intensive due diligence by investigating for accuracy for ensuring quality of each loan

 Ranks risk by estimating degree of risk; noting any additional requirements and forwarding to loan committee if loan does not meet minimum qualifications.

 Provided loan control information by collecting, analyzing and summarizing data and trends.

 Won “Employee of the Month” while working efficiently with a team player attitude

Countrywide Home Loans, Credit Analyst/Loan Specialist III Oct. 2001-June 2004

 Reviewed incoming documentation from all sources and confirmed data integrity. Reviewed applications for completeness and authenticity.

 Responsible for processing, underwriting and closing mortgage loans.

 Managed pipeline of up to eighty loans and prepared daily reports with production status.

 Communicated throughout the day with customers, loan officers, title companies and appraisers.

 Prepared closing packages and balanced figures prior to wiring funds to closing agent.

 Utilized delegated HELOC and Conventional/Conforming underwriting authority to exceed production goals are on a monthly basis.

Washington Mutual Home Loans, Credit Analyst /Jr. Underwriter June 2002-Sept. 2003

 Maintained a sound knowledge of Fannie Mae, Freddie Mac and portfolio guidelines and risk assessment tools used to decision mortgage loans.

 Processed, underwrote and closed mortgage loans of all nature.

 Managed a pipeline of up to a hundred loans for eleven loan officers.

 Arranged closing dates and balanced accounting figures prior to wiring funds to closing agent.

Apex Lending, Inc. Mortgage Processing Department Manager April 1999-Oct. 2001

 Respected team leader with excellent interpersonal skills. Interact well with individuals from diverse cultures and at all professional levels. Teach, train, mentor, motivate and evaluate personnel to achieve the highest quality standards.

 Managed and supervised processing department to ensure accuracy and timely completion of the following:

• Ensure department meets investor delivery timelines.

• Ensure compliance with state and federal regulations as well as the company’s polices and procedures.

 Processing of mortgage loans according to investor guidelines

 Assisted, trained and mentored each processor on new products as they were developed.

 Instructed weekly training meetings on challenging topics.

 Established merit pay based on performance with incentives to meet and exceed production goals.

 Won “Employee of the Month” by doing what it took to achieve results and lead my team


Additional Notes of Interest

Working in the mortgage industry has given me a great insight and understanding from a first-hand employee experience on what it takes to succeed in an industry presented with challenging cycles in the economy, elevated month-end pressures, and interdepartmental communications along with the willingness to work as a team in order to reach organizational goals.

I am a self-motivated individual with exceptional leadership, organizational and supervisory skills, encompassing key values of integrity, honesty, appreciation, team work, growth and results orientation with an eye towards continuous improvement. I offer strong analytical, statistical and problem solving capabilities.

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