Loan Processor/Operations Manager

Mary Moi

E-mail: **********@*****.***

Mobile: 760-***-****

OBJECTIVE

To obtain a challenging position in a results oriented company that seeks an ambitious and career conscious person; where acquired skills and education will be utilized toward continued growth and professional advancement.

SUMMARY OF QUALIFICATIONS

 Over 10 years of Supervising, Training, Loss Mitigation, Loan Processing, Underwriting and Account Managing/Loan Coordinating experience.

 Ability to interact effectively at multiple levels within the organization and to balance strategic thinking with tactical implementation. .

 Strong background in mortgage banking, property valuation, and mortgage loan servicing.

 Familiar with Mortgage and Real Estate guidelines, procedures, calculations and highly experienced with compliance and fraud auditing.

 Strong analytical and planning skills, combined with the ability to coordinate the efforts of many to meet organizational goals.

 Greatly dependable, productive and highly efficient work habits without supervision (self-motivator with high energy).

 Train and provide information concerning all aspects of SBA loan programs as well as conducting training of marketing, loss mitigation/loan modifications, loan processing, customer service, etc.

PROFESSIONAL EXPERIENCE

September 2008 – Present

NHMC

Loss Mitigation Operations Manager

*** In addition to the duties listed in the previous 2 positions…

 Set-up of clients’ loan modification and short sale files and maintain meticulous notes.

 Determine the lenders internal process and modification/short sale guidelines.

 Assemble client(s) complete loss mitigation and short sale package and submit to lender.

 Review and update financials to meet lenders guidelines.

 Contact with Lenders Negotiator and develop working relationship.

 Persistently follow-up with lenders to move file through their system.

 Persuasively convince negotiator to approve loan modification or accept short sale.

 Assign new files to teams, answer any negotiator and processing questions and handle escalated phone calls.

 Manage entire processing division of NHMC as Operations Manager directly under CEO supervision.

 Implement company policies, procedures, principles and complete paperwork required by the company.

 Analyze and understand the manufacturer’s recommendation of the use and application of the modification products and able to manage the use of the product.

 Coordinate and direct business partners.

January 2007 – September 2008

Peoples First Financial

Loss Mitigation Officer/Negotiator

 Working out loan Modification and Repayment plans for Borrowers.

 Negotiating terms and rates with Lenders, Investors and Banks.

 Analyzing options for Borrowers to get back in good standing.

 Explaining all documents and terminology to borrowers.

 Setting up down payment and 1st payment dates with borrowers.

 Stopping and postponing Foreclosure Sale dates within hours.

December 2006 – January 2007

New Day Trust Mortgage

Operations/Processing Manager

 Trained and managed 35+ and achieved significant improvements in their productivity.

 Scheduled work hours, resolved conflicts and determined salaries.

 Managed assigned accounts and established close working relationship with key lenders and investors.

 Wrote, designed and produced sales and operations work flow.

 Ensured compliance with company policy and applicable government regulations.

 Created revenue forecast and tracked performance vs. plan.

 Approved hiring and discharging of departmental personnel.

 Compliance and Fraud Auditing.

September 2003 – March 2006

Novelle Financial Services

Lead Broker Coordinator

 Daily supervision, training, and development of the staff of Broker Coordinators.

 Ensure the gathering, reviewing, validating of documents for underwriting conditions and accuracy of loan terms and pricing in a timely manner.

 Inspect title reports, appraisals, insurance policies, contracts, etc.

 The primary liaison between operations, field sales representatives, and external clients representing the company in a professional manner and developing a comprehensive account plan to identify key opportunities and respond to clients' needs.

 Complete accurate pipeline reports, pricing and financial forecasts through specific expertise at an individual level.

 Responsible for growing and strengthening client relationships begun by the AE during the course of the sales process and demonstrated company commitment to service.

 Advised clients’ of policies and procedures, acting as an escalation point for service level issues, maintaining the client profile.

 Assist with accounts receivable to resolve billing issues, trouble-shoot servicing problem areas by setting up conference calls for the client and operations.

December 2001 – September 2003

Malan Financial Alliance Corporation

Senior Loan Processor

 Responsible for ordering, reviewing, validating and submitting all documents.

 Clearing underwriting and funding conditions provided by each lender.

 Thorough knowledge of reading and interpreting all mortgage documents.

 Work with guidelines and goals while adhering to policies set by the company.

 Work closely with borrower, loan officers, lenders and management to ensure that each loan closes in a timely manner.

October 2002 – September 2003

HMC Funding, Inc.

Mortgage Loan Processor

 Responsible for opening and submitting all new mortgage loans.

 Set-up new accounts in Calyx Point and Genesis 2000.

 Prepare, organize and mail out all Mortgage Disclosures.

 Responsible for verifications.

 Coordinate and complete pre-disclosures for borrower(s) and underwriter(s).

May 1999 – October 2001

Rancho Santa Fe National Bank

Fund Control Specialist

 Coordinate the activities of new home construction according to the Company’s standards and process.

 Ensure quality assurance and customer satisfaction is maintained throughout the construction process.

 Schedule and monitor subcontractors in the constructions of houses.

 Coordinate the construction and completion of quality houses within desired time frames and standards set by the company and manager.

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