Diligent and driven mortgage professional who has achieved success in a variety of roles with increasing levels of responsibility. Operates well in a highly-competitive environment in which strong analytical , communication, and organizational skills are required in order to adhere to deadlines and customer satisfaction.
*Excellent verbal and written communication to all team members of all levels and customers
* People- Oriented
* Seasoned with 14 years experience
Chase - Certificate of Achievement Outstanding Processor September 2001
Achieved an internal nomination for the annual Super Hero Award by my direct supervisor at 60 days of employment at Meritage Mortgage as a new mortgage underwriter. ~ Nominated by Michelle Hartley 1/11/2006
*Ensured timely receipt of title, appraisal, customer documentation verifications, payoffs,4506T results, HOI Dec page for subject property and any other third party items needed for underwriting and fund of loan packages.
* Provided loan status to management , customers, and loan officers daily with phone call , email, or for internal use daily pipeline spreadsheet
* Analysis of all documentation included in loan package prior to underwrite submission (ie; income calc/dti calc for Wage and self employed). Credit , Assets, Title , Appraisal, EMA, Required inspections, along with running Desktop Underwriter , Loan Prospector, or GUS as applicable
*Funding a min of 15-20 loan packages per month
*Ensured that files met all compliance including RESPA, Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
*Team player along with absolute accountability for all industry knowledge that was applicable
*Trained 3 new employees and in July of 2013 covered all my immediate supervisor's tasks for Lake Oswego, Seattle, and Vancouver for a 2 week duration
* August 2013 through Early November 2013 I was processing for the Paramount Partners team out of Vancouver WA. This group of loan officers received purchase business directly from Keller Williams Realty . 85% or more of the loan packages from Vancouver office were purchase and included various programs such as the WA Bond 2nd (state program typically used for the closing costs for the FTHB closing costs) ;USDA,FHA, FHA new construction, VA purchases, Conventional product purchases . Maintained standard turn times of less than 24 hour review of all and any incoming documentation for each loan package.
Processed in house and broker loan packages from prior submission through closing. Worked within a team of 3 processors to facilitate all customer service needs . Performed under strict deadlines along with managing all urgent loan file tasks for complete loan closings. Facilitated updates to home owners, supervisor, loan officers, and real estate agents as applicable to each loan transaction. Products of loans were Conventional fixed, Va, and FHA products.
Collaborated with Wells Fargo legal counsel and paralegals to assist with NOD process on Home Equity Loans and Senior Mortgage through completion of Senior lien trustee sale . Provided detailed bid instructions and itemized calculations for representation on company behalf. Monitored for trustee sale resolution for each and all accounts. Maintained proper compliance and accurate data reporting . Enacted as primary liaison between legal firms and multiple internal groups within the modification groups to ensure interest of Wells Fargo per Account assigned. Developed rapport with the customer base by handling difficult issues with knowledge and professionalism. Analyzed legal documents and prepared state specific legal documentation for counsel representation.
Traveled to Florida during Wachovia /Wells Acquisition
Designed training modules that implemented wells policies on property preservation duties and tasks. Effectively trained 6 employees on all new business practices within a 5 business day period. Continued Mentoring through email or telephone as needed
Assuring moderate financial loss risk to Wells on homes in vacant/abandoned status by placing orders through third party vendor to secure, winterize and maintain property. Reviewing IBPO reports to obtain 60-90 day as is sell value; used to determine if collateral had sufficient for costs of repairs or work to property. Created job aides and all training materials for new employees. Facilitated weekly meetings of team prepared agenda and meeting minutes to each team member and management. Appointed by management to provide communication to third party vendor for any issues involving overcharge of fees/ obtaining and documenting refunds from vendor , reporting unacceptable repair /work practices and request and receipt of charge backs , Reporting any and all IT issues and follow up to resolution of vendor website
**Paramount Equity - Recognition for volunteering to fully cover direct supervisor's duties for a period of 2 weeks while she was out of country for vacation .
**Wells Fargo- CARE AWARD: continual volunteering to JDRF annual walk event ; Organizing and facilitating Team volunteering at Oregon Food Bank together; Primary Fraud Ambassador for Foreclosure team ; Volunteering with Meals on Wheels raising funds for Thanksgiving
IMPACT , MANAGER CHOICE, & PEER CHOICE AWARDS: Consistently going above and beyond
**Meritage Mortgage- SUPER HERO ANNUAL NOMINEE: Direct supervisor nominated me after only 60 days of hire because of my efforts
**Greenpoint Mortgage Funding- EMPLOYEE OF THE MONTH : Peer elected Award received April 2004
**Chase Manhattan Mortgage- CERTIFICATE OF EXCELLENCE: Ranked in at 5th place for entire region September 2011
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