Customer Service Software

Paulette Pickard

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

Fuquay-Varina, NC 27526

919-***-**** Cell

Professional Summary:

-11 years experience in mortgage consulting, origination,

-7-8 years in mortgage loan processing.

-8mo. experience in mortgage underwriting/decisioning, Loss Mitigation.

Hamp.

-7mo. Experience in consumer loan auto industry underwriting.

10+ years in administrative office reception and office assisting.

PROFESSIONAL EXPERIENCE:

HCL Technologies (Contract) April. 2012 to Sept

30,2012

Consumer Loan Underwriter

. Responsible for underwriting, analyzing credit of varying types of

risks and decision making in regards to consumer loans and client

membership portfolio.

. Pull loans from software system and decision for qualified USAA

Members

. Take incoming phone calls from agents handling member consumer

requests and provide customer service to members and originator's.

. View and verify income documentation and non traditional pay history

if required.S/E tax returns, Schedule E's, 1040. W-2's 1099's etc.

. Meet company production goals and a required standards for quality

control of loan decisions.

. High security and paperless environment.

Wells Fargo Home Mortgage Jan. 2012 to Feb. 2012

Fraud Analyst (Contract)

. Responsible for researching borrower property information submitted to

Wells Fargo software systems for suspected fraud.

. Used software such as LIS/LPS systems to locate data entered by

Underwriters

. Entered data and notes in the software system for the Underwriters

reference

. Utilized website investigation tools as well as Lexus Nexus and

Realquest to help confirm identity and occupancy issues of mortgage

holders and investors

. Notified underwriters of issues that needed to be 'cleared' before

loans could be processed.

. Cleared alerts that were researched and found to be reasonable.

. Provided underwriter and or originator with permission to proceed in

completing of loan applications.

Wells Fargo Home Mortgage Jan. 2010 to Aug. 2010

Loan Underwriter (Contract)

. Responsible for decisioning loan re-modifications for homeowners in

mortgage default as well as at risk borrowers. Loss Mitigation. HAMP.

Conventional, FHA, VA . Fannie Mae, Freddie Mac Loans.

. Responsible for reviewing, analyzing, approving and underwriting

routine individual borrower request and products within

company/industry guidelines.

. Analyzed documentation requirements and determined which loan programs

and products were available to mortgagers

. Assisted in determining the outcome of a mortgage using knowledge of

rates and investor guidelines. View Self Employment tax returns, 1040,

Schedule E, 1099 and W-2's

. Exammine credit reports, income documentation on paperless system.

. Performed Administrative duties dealing with codes and report

findings.

. Monitored compliance with bankruptcy and at risk foreclosure

proceeding 'stops'

. Continued updates on underwriting policies and procedures including

investor guidelines and regulatory updates.

. Contacted customers to discuss loan requirements or loan documentation

needed to complete decisions if needed.

. Utilized LIS/LPS,, Excell, MS Outlook, software supported system for

viewing documents.

. Microsoft Outlook, Word, Excel and Internet on a daily basis.

Wells Fargo Home May 2009 to Aug.

2009

Loan Documentation Specialist (Contract)

. Received extensive training in Title viewing, Fraud Alerts, and

Hera/Hoepa Guidelines

. Knowledge of guidelines surrounding HARP Eligible loans

. Processed up to 25 mortgage loans at a time for Loan Consultants

. Analyzed mortgage documents i.e.: income/assets, Title Insurance,

appraisals, flood, verifications of employment and verifying employer

contact information, customer service calls to Loan Consultant and

Borrowers

. Conducted regular follow up with outside sources to ensure all

documents had been received

. Monitored documents for information verifying data collected by loan

originators; entered data into files and computer systems

. Tracked development of information to ensure compliance with FNMA,

FHLMC

. Completed final evaluation and analysis of completed application

packages and prepared files for approval; reviewed underwriting

commitment, prepared and obtained any missing documentation with the

assistance of the Loan Officer

. Assembled submission files and prepared the files for underwriting

review

Electech Services Sep. 2008 to Jan.

2009

Admin/Bookkeeper

. Wrote letters to potential and new commercial customers using

Microsoft Word

. Kept up with inventory of sales and DirecTV products using Microsoft

Excel

. Processed showroom sales, invoices, cash and credit payments using

QuickBooks

. Entered requirements and customer information into QuickBooks when

bids were accepted for new jobs

. Updated information using Access software program and ACT Software

. Performed troubleshooting with TV manufacturers about warranty

information

Prestige Lending, Inc. Aug. 2007 to Dec. 2007

Senior Mortgage Consultant

. Obtained new mortgage prospects via phone, mail, and referrals

. Consulted mortgage prospects during prequalification procedures

. Analyzed credit history for possibility of bank loan approvals

. Determined which bank and loan programs were most suitable to fit the

customer's needs

. Sent loan information disclosures to customer with requests for

required documentation in order to confirm information on the

Residential Loan Application

. Dealt with SubPrime, Freddie mac, Fannie Mae and VA, FHA loans

. Responded to customer inquiries and credit decisions.

. Communicated with processor regarding customer loan needs

. Visited and establish relationships with realtors, bankers and

builders

. Ensuring credit files are current, complete and compliant with company

standards.

.

CMA of NC Dec. 2007 to March 2008

Account Manager (Contract)

. Traveled and visited construction sites in an effort to obtain

permission to bid on new contracts.

. Inspected the construction site in question to take measurements and

notes on the needs of the property once finished for 'clean-up.'

. Gathered information and consolidated said notes taken from the

builder to compile into a professional 'contract'.

. Obtained contractor signatures for contracts.

. Delivered signed contract to CEO for insurance information and setup

of job to be completed when the property finished and ready for 'clean-

up.'

Brisson Mortgage March 2007 to Aug. 2007

Senior Mortgage Consultant

. Obtained new mortgage prospects by phone, mail, and referrals

. Consulted with new mortgage prospects through prequalification

procedures

. Analyzed credit history for possibility of bank loan approvals. View

Self Employment tax returns, 1040, Schedule E, 1099 and W-2's

. Pinpointed best bank and loan programs to fit the customer's needs

. Sent loan information disclosures to customer with requests for

required documentation in order to confirm information on the

Residential Loan Applications

. Used Calyx Point Software. DU/LP

. Originated for SubPrime, Conforming and VA loans

. Kept in communication with customer on loan status

. Communicated with processor regarding customer loan needs

EDUCATION:

Eva Perry High School, Raleigh, NC

Received Diploma

TECHNICAL SKILLS:

. DU, LP, CAYLX Point, LIS and LPS mortgage software

. MS Office with Word, Excel, Access

. Adobe Photoshop, Indesign, Illustrator, Acrobat 9, Flash Catalyst (All

CS5)

. General office equipment: copier, fax machine, multiline phone systems

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