Customer Service Real Estate

Hanna Kebede

Senior Mortgage / Loan Processor / Closer/

Foreclosure / Modification Specialist

10+ Years of Comprehensive Mortgage Loan Processing/Closing Experience

5+ Years of Administrative and Support Experience

Proven Loan Processor capable of exceeding demanding processing targets while maintaining accuracy and ensuring compliance.

Demonstrated expertise in loan policies and procedures as well as loan processing systems and software.

Excel in high-volume/high-pressure environments.

Possess sound problem solving skills with detailed and organized approach.

Adaptable, flexible, and resourcefulness when faced with new challenges.

Excellent verbal, written, and interpersonal communication skills able to relate to people from all background and at all levels of the loan processing cycle.

LOAN PROCESSING, CLOSING, MODIFICATION AND FORECLOSURE EXPERIENCE

TTS, Lenexa, KS 12/09–Present

Tax Consultant/Partner

Interview clients to obtain information on taxable income and deductible expenses and allowances, furnish taxpayers with sufficient information and advice to ensure correct tax form completion, prepare simple to complex tax returns for individuals and small businesses, make adjustments, deductions and credits to keep clients' taxes to a minimum, review and examine financial statements and documentations to determine forms needed to prepare tax returns, consult tax law handbooks to determine procedures for preparation of a return, compute taxes owed

Provided the leadership and direction to instill a client-focused culture which resulted in increase client retention and client satisfaction.

Leveraged client feedback to drive decisions and prioritize client-focused change. Developed, implemented and monitored a cogent strategy to increase client satisfaction and client retention within district.

FIRST HORIZON HOME LOANS, Kansas City, MO 7/04-10/09

Loan Processor/Closer/Modification Specialist

Set up files, process, coordinate and schedule closings, close and fund mortgages and REO (Real Estate Owned properties) according to established regulations and guidelines. Review loan files and closing documents in order to prepare a closing package for delivery to settlement agents, attorney, Title companies, escrow companies and closing agents. Coordinate and communicate effectively with Brokers, loan officers, borrowers, account executives, operations staff and settlement agents to ensure the timely delivery of closing documents and wiring of funds. Review title requirements, exceptions, and information obtained for accuracy & completeness. Review documentation & enter the data into TMO & TCL. Ensure file meets product/procedure guidelines. Review credit, disclosures, order title, MI and appraisal. Obtain documentation needed from customers, title companies, Attorneys, Brokers and all sources. Assist the mortgage branches and title companies with the closing. Work with complex transactions, review & collect underwriter conditions and submit conditions for underwriting approval. Prepare closing instructions and review required loan documentation and HUD-1 for accuracy. Fund the closing once all conditions have been met, disburse funds and send wire. Close out loans on system, scan file and deliver files to Post Closing. Review and respond to exception reports, internal and external audits, as required. Modify constructions loans to a permanent loan, contact borrowers and mortgage branch when modification process begins; ensures that permanent loan is locked, with principal reductions, escrow waivers, etc., calculate monies needed by the borrower, ensuring that any construction interest and other shortages are included. Ensure that all conditions have been met and all monies have been collected prior to the modification of the construction loan to a permanent loan; approve the HUD & modification after ensuring that all monies and documents are complete and accurate. Modify the loan within all systems (TMO & TCL) in the current month’s business. Calculate & prepare payoffs and per diem and complete the transaction in TMO & TCL.

Promoted to REO specialist position to handle complete lifecycle of foreclosures ensuring adherence of all legal compliance mandates. Proactively collaborated across the organization to mitigate losses associated with bad loans.

Reviewed legal correspondence, handled myriad loan conversions, including construction loans to permanent loans, ensuring all procedures are accurately and efficiently followed, and all parameters effectively conveyed to all parties.

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HANNA KEBEDE–Page 2 of 3

ASIA EUROPE AMERICAS BANK (AEA), Seattle, WA 9/03–06/04

Loan Processing/Documentation Specialist

Work cohesively with 5 Loan Officers on domestic and international client loans. Originate loan process and effectively manage high volume amounts and complex construction, business, SBA, Participation and other types of loans. Coordinate with lender, Loan Committee, Loan Officer, escrow and external/internal customers on clearing exceptions, closing and loan approval conditions. Make recommendation to Loan Officers for corrections and process improvements. Serve as primary contact between Operations, Loan Officers and customers. Assist in closing, disbursing, and maintenance of customer borrowing arrangements. Prepare loan packages and ensure timely closing of loans. Obtain proper security position and disburse funds only when all elements of the loan commitments are satisfied. Monitor loan advances (RVLOC) and all loan transactions. Prepare credit reports for presentation to loan committees. Accurately document file and review final conditions for compliance. Resolve customer problems relating to loans in person and by phone. Follow through on issues until they are resolved. Contact borrowers with delinquent loan accounts to find method of repayment. Prepare promissory notes, repayment schedules and support documents as required by federal regulations.

Took charge of $300+ million backlog of loans needing insurance, and ensured compliance with FDIC requirement.

Successfully designed and implemented comprehensive policies and procedures relating to Loan Processing department.

COMMERCE BANK, Kansas City, MO 5/02–9/03

Loan Processor, Closer

Set up files and process loan applications for all types of mortgages and other loan products. Serve as primary source of information to all borrowers and internal staff. Review mortgages and other types of loans to verify that all loan documents and collateral have been received. Research real estate titling issues and other information by phone, letter, and e-mail from financial advisors, customers, different Banks, and other offices. Provide support for financial services reps and stay up-to-date with changes, laws, and legislations. Research, process, and release collateral for installment loans upon pay-off and verifying no attachments to open loans.

Always meet and exceed weekly processing targets while maintaining excellent accuracy.

Constantly receive positive feedback from clients, peers, and management.

NATIONAL WESTMINSTER BANK, London, England 6/98–11/01

Loan Processor, Closer

Successfully processed workload of 20+ files of all types of home loans. Communicated with internal and external customers to obtain required information and documentation for individual transactions. Ensured accuracy and completeness of all loan documents. Interfaced with brokers, outside appraisal, lenders, title & insurance companies, underwriters, and recording boroughs. Provided excellent customer service. Developed and maintained contacts with outside agencies. Assisted mortgage companies, lenders, and dealers with information relating to status of pending loans. Disbursed all approved loans through loan system. Reviewed final documentation for loan compliance.

Promoted from administrative position to Loan Processor/Closer position due to strong work ethic.

Always meet and exceed set targets with accuracy.

LOAN EXPERIENCE SUMMARY

ATL (Anytime Lines), Conventional Loan, Home Equity Loans, Fixed-Rate Mortgage (FRM), Adjusted Rate Mortgage (ARM), Balloon Mortgage, Multi-Collateral Loan, Bridge Loan, Swing Loan, Construction Loan, Jumbo Loan, Installment Loan, Unsecured Loan, Subordination, Modifications, Business Loan, SBA, Participation Loan

SUPPORT & ADMINISTRATIVE EXPERIENCE

LABONE, Kansas City, KS 3/02–5/02

Receiving & Processing Clerk

Ensured tests were processed expeditiously and within standards and procedures. Provided customer service and administrative support.

AMC (AIR MOBILITY COMMAND), Baltimore, MD 12/01–3/02

Customer Service Agent

Provided support to travelers. Handled ticketing, check-in, and boarding. Balanced money received.

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EDUCATION & TRAINING

Master of Accounting & Financial Management [MAFM/CPA] – Anticipated date of Graduation: June 2013

KELLER GRADUATE SCHOOL OF MANAGEMENT, KANSAS CITY, MO

Secured Loan Documentation, Understanding Requirements for Effective Lien Perfection, 2004

Secured Real Estate Documentation, Understanding Requirements for Effective Lien Perfection, 2004

WASHINGTON BANKERS ASSOCIATION, Seattle

B.A. Degree, Communication and Sociology, 1992–1995

UNIVERSITY OF EAST LONDON, London, England

R.S.A. Diploma, Computer, Accounting, Typing, and Business Administration, 1990–1991

SOUTHWEST LONDON COLLEGE, London, England

Diploma, Computer, Accounting, Typing, and Communication, 1989–1990

HAMMERSMITH COLLEGE, London, England

Certification, Managing Priorities & Meeting Deadlines Seminar, 2000

CAREER TRACK, London, England

TECHNICAL SKILLS SUMMARY

MS Office (Word, Excel, Access & Power Point) 03/07/10, TMO (The Mortgage Originator) system, TCL (The Construction Lender) System 8.x, Crystal Reports 9.x/10.x/11.x, Internet, LaserPro (Commercial/Consumer/Mortgage), Branch Connection, GroupWise 7/8., Loan Mainframe Tracking System, Diligenz (due diligence search, UCC filing & order flood zone determination), MacroFiche for Windows, ITI (Item Entry System), Office View Pro 3.5/ 4.3, Windows O/S XP/Vista/Win7.

REFERENCE

Available upon request.

Contact this candidate