Manage all attorney communication through phone and Lender Processing System. Analyze and design techniques to minimize all losses via management of attorney and enhance better foreclosure process. Maintain and update all portfolios by designated State for foreclosure management. Successfully implement all tasks as advised by team leader. Evaluate and examine file prior to foreclosure date and communicate to attorney any impediments. Compare ISeries (AS400 to Lender Processing Center for accuracy and completeness of foreclosure process. Successfully manages the bankruptcy process and obtains relief on non-performing loans through Aacer and bankruptcy notification. Contacts attorney for sale results -complete template to transfers file to successful bidder or 3rd party buyer. Establish appropriate current foreclosure status of assigned accounts and update or remove proper disposal codes
Responsible for reviewing , analyzing, approving and underwriting unusual and complex loan modification packages. Review financial statements , credit reports, and applicable ratios (i.e. debt ratios, loan-to-value. Evaluated transactions to ensure accuracy and completeness; preformed weekly reviews; ensuring that documents are consistent and uphold company guidelines; implementing fraud detections and property flipping techniques; performed compliance reviews; Assisted with re-negotiations based on lending guidelines. Contacted customers to gather information to make appropriate decisions, explain rationale behind credit decision. Effectively probed customers to get financial information to determine the validations used to qualify for modification.
Reviewed FHA/VA and VA case binders for accuracy and quality based on HUD/VA compliance guidelines. Presented government and conventional loans audits review to upper management by coordinating preparing and detailing all data retrieve from customer loans . Serviced closed mortgage loans by obtaining credit report from 3 credit bureaus. Retrieve appraisal, inspections survey and original title policy from title companies and previous investor. Enforced weekly contacts with customer acquiring verbal documentation to set payment arrangement for delinquent loans. Resolve titles issues; child support liens; court judgment liens and appraisal disputes Chase Home Finance -Contacted external closing agencies and title companies weekly requesting reply time for distributed spreadsheets . Audited close loans for compliance with Chase investor and agency guidelines. Assured accuracy of loan documentations made appropriate modification to the supporting loan database . Provided operational support to high volume loan processing center. Partnered with third party contacts to build credibility for clients portfolio by reviewing files, records and pertinent documents to obtained needed information to service loan.
Wholesale HMDA Worked in extreme high volume, high expectancy environment with minimal error.
Audited closed FHA , retail wholesale and private investor loans for compliance and accuracy ..Compared customer closing documents and Chase work flow system to ensure data was precise. Performed quality checks of external branches, analyzed quality of work done created comparison spreadsheet from obtained data. Worked closely with management and operations to insure that all deadlines were made inn a timely manner. Executed examinations of several types of lending (conventional, government -back and home equity.
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