Mortgage Processor/ Jr. Underwriter

MILDRED Y. CHATERGOON

* **** ******Goshen, NY ***24

845-***-**** (Residence)

845-***-**** (Cell Phone)

EMAIL: **********@***.***

Overview:

Hands on Administrative Manager & Mortgage Underwriting and Processing.

Experienced in practical business problems and solutions. Computer literate in Mortgage software such as: Contour, Calyx, Genesis, Points, Tango (Desk top underwriting) Fannie Mae and Freddie Mac. I’m proven success in dealing with Clients, various Real Estate Professional and Legal Firms and large amount of Banks also Title Companies.

PROFESSIONAL EXPERIENCE

03/14/2011-Present (Temp-Position) METLIFE HOME LOANS

Reverse Mortgage Processor

• Process Reverse mortgage loans threw Tango Mortgage software

• Gather & Review Documents to submit credit file for Mortgage approval

• Process mortgage applicants threw FHA connections for GSA, LDP, and Core Logic also Fraud Guard.

• Order History Pro for Subject property

6/2008-2/2010 BEST RATE MARKETING MIDDLETOWN, NY

Human Resources Recruiter/ Loss Mitigation Consultant

• Negotiate affordable mortgage payments to avoid foreclosure procedure for stress borrowers facing foreclosure

• Complete responsibility for the administrative operation 15 agents for Loss Mitigation consultants

• Recruit and supervise a staff of 1 receptionist, 15 Loss Mitigation Consultants and 1 assistance

• Preparation of legal forms, billing, word processing and light accounting

7/2007-9/2007 COLUMBIA EQUITIES MORTGAGE BANKERS MIDDLETOWN, NY

Jr. Underwriter

• Recruit and supervise 10 Loan Officers, 2 Processors and 1 Receptionist

• Responsible for processing documents to expedite loans to closing

• Established new relationship with new Business contact threw network of Realtors

2/2006-6/2007 ALLIANCE MORTGAGE BANKING CORPORATION MIDDLETOWN, NY

Jr. Underwriter

• Branch manager of staff 15 loan originators, 3 Loan processors, 1 receptionist

• Train and assist new agents and process all mortgage software

• Responsible in maintain monthly goal for closing and originations

• Handle customer service relations

•Trained Sales agents of all new programs in the Mortgage Industry

•Responsible for hiring and determination of unproductive agents

•Recruit Senior Account Rep’s & processing staff with new training for new satellite branches

10/2005-2/2006 NLC OF NEW YORK BRONX, NY

Jr. Underwriter

• Maintained a case load of 45 active loans per a week, that where pulled for review on the following: credit, asset, employment and review appraisal report including title report. The goal was to make sure no “Fraud” was done on these files.

• Train Loan Officers in sales and training on mortgage application also mortgage pre-qualification

• Review credit reports and loan applications to fit in proper loan programs

• Assist mortgage processors in submitting loan application to certain investors

• Review and process commercial loans

•Full quality Control of Human Resource Department

3/2003-8/2005 SECURITY HOME MORTGAGE BRONX, NY

Jr. Underwriter

• Recruit sales & processing staff

• Manage to train a staff Loan officers for sales

• Manage to meet monthly production for Monthly closings and originations

• Process pre closing conditions for loan to be funded

• Prepared closing documents

• Developed skills and strategies for marketing for sales team

•Full quality control of Human Resource department and full staff

6/2002-3/2003 FIRST FUNDING MORTGAGE CROSS ISLAND, NY

MORTGAGE PROCESSOR

• Inputted loans threw automated system such as: Fannie Mae, Freddie Mac, Emits also FHA connection

• Processed loans threw a Genesis, Calyx also Contour Mortgage software

• Process loan threw application to PRE- FUNDING

• Review title and appraisal reports

• Submitted files to underwriting to obtain loan approvals and worked on obtaining outstanding conditions to get the loans clear to close

6/1997-6/2002 ISLAND MORTGAGE NETWORK LONG ISLAND, NY

SENIOR ACCOUNT EXECUTIVE

• Increased sales production from $1 million to $2 million a month in mortgage loan application

• Provided Pre-approval for prospective buyers

• Provided marketing strategies for networking into several communities for further my client data base

12/1992-6/1997 PROTA EQUITES LONG ISLAND CITY, NY

LOAN OFFICER

• Built and established relationships with various Real Estate professional, Attorneys, Accountants and other referral sources to obtain financing for their prospective clients

• Developed various marketing techniques to further develop and expand production

Computer Skills:

• Window PC

• Micro Soft Outlook Email

• Micro soft Excel

• Adobe Acrobat

• Document Management on a Network

Education:

1984-1988 Murray Bergtraum High School Business Law

2004-2004 Capstone Institute Of Mortgage Finance 16 Hrs. Of Intensive Training

In Direct Endorsement Underwriting

2004-2004 Capstone Institute of Mortgage Finance 16 Hrs. Training In Understanding FHA Loans

2003-2003 Capstone Institute of Mortgage Finance 8 Hrs.Trainning in Qualifying the Self-Employed

2011-2011 Capstone Institute Of Mortgage Finance 10 Hrs. FHA Direct Endorsement Underwriting And

Successfully Passed and Exam

Languages: English & Spanish

Reference: John Murphy Jr. (President Security Home Mtge & Alliance Mtge)

516-***-****

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