Mortgage Processor/Closer

Brittany D. Ellis

**** *. ****** ******* ***. #**27

Carrollton, TX 75010

H: 469-***-**** C: 469-***-****

***********@*****.***

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OBJECTIVE My objective is to secure a position within the mortgage industry that will allow me to contribute to their continued growth as well as enhance my skill sets and further my professional career.

QUALIFICATIONS

Experienced and Determine Worker

Ability to act independently and make effective decisions while maintaining a professional work ethic.

Facilitate and positively lead change to meet and exceed performance goals

Ability to establish department objectives and assignments

EMPLOYMENT

October 2008- Present Citi Mortgage (Irving, TX)

Loss Mitigation- Modifications

(Processor and Closer)

Evaluate customer’s financial ability for pre-approval status of modification

Provide workout solutions and other options that allows customer to maintain the property

Analyze income and credit reports for underwriter approval

Contact customer of the approval terms of modification

Collect required payments upon accepting modification terms

Prepare modification agreements

Implemented the Home Affordable Modification Program (HAM)

Dispute modifications decision for review

Reinstatements for resolution on accts 120day delinquents

Process accts for Short sales and Deed in Lieu

June 2008- October 2008 EMC Mortgage Corp. (Lewisville, TX)

Negotiator II

Negotiate executive issues with realtors and attorneys

Assist with pre foreclosure and Deed in Lieu

Analyze and review HUD 1-statements for short sale

Managed a portfolio of customers with loans ranging from 60 days or greater of delinquency

July 2007 to May 2008 EMC Mortgage Corp. (Lewisville, TX)

Loan Counselor

Answering inbound calls in a high volume in the corporate call center.

Contacted customers to establish a workout solution to cure any outstanding debt.

Collected financial data needed to better assess the customers current financial situation.

Counseled customers with loans ranging from 30 to 90 days delinquency.

Negotiate terms and approval for short sales

May 2001 to July 2007 Britton & Koontz Bank (Natchez, MS)

Mortgage Loan Originations- Processor and Closer

Pre-qualified potential mortgage loan customers in accordance with state in federal guidelines.

Order Title work, Appraisals and Flood Certificates for property

Managed the loan in the processing, funding and closing processes to insure complete customer satisfaction

Communicated with the customers throughout the processes with up to date information.

Worked with government programs such as FHA and VA loans for qualified customers.

Effectively communicated reasons for denial in the event customers were not qualified.

September 1999 to August 2001 McRae’s /Belk’s Department Store (Natchez, MS)

Sales Associate

Coordinate and develop retail marketing space to provide for better sales for various vendors

Consulted customers on fashion trends in an effort to suggest items that will increase sales.

Attended training sessions to develop marketing strategies to increase monthly sales.

Exceeded monthly sales goals individually and as a department.

EDUCATION

Copiah – Lincoln Community College (Natchez, MS) 2000-2002

Associates Degree in Fine Arts

Natchez High School (Natchez, MS)

Diploma 1995-1999

COMPUTER SKILLS

Microsoft Word Office Suite (Excel, Word PowerPoint Access), Fidelity Lending Portal, Rumba, Speed pay, CitiLink, Biscom (Right Fax); Imaging (Fastrieve and Filenet); DRI; Source Net ; Fannie Desktop Underwriter, Ellie Mae Contour, Harland E3; HUD Development; ePMI; VA and FHA training

Further References Available Upon Request

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