Loan Modification Specialist Resume Example
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LOAN MODIFICATION SPECIALIST
Executive Summary
To have a challenging, high-impact leadership position requiring creative and innovative approaches to problem solving, strategy development and fulfillment of my personal goals.
Core Qualifications
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Professional Experience
Loan Modification Specialist
August 2014 to July 2015Iconma, L.L.C. － Claremont , NH
August 2014 to July 2015Iconma, L.L.C. － Claremont , NH
- Single point of contact costumer service
- Liaison between the homeowner and the lender.
- Advise homeowner of needed documents to present to the bank.
- Negotiator between the lender and the homeowner.
- Review loan documents, Analyzed credit reports and Financial statements to determine the degree of risk involved in reinstating, settling or negotiating a short sale on foreclosure accounts
- Extensive and deep knowledge of industry guidelines, including CFPB and OCC guidelines
- Understand title, property records and equity analysis
- Monitor the status of foreclosure cases assigned to legal counsel
- Implemented and monitored dual tracking process within the foreclosure department
- Maintained a high volume (over 300) portfolio of mortgage loans from 120 days to foreclosure sale.
- Managed Pre-Sale Foreclosure for loans over 120 days.
- Ensure that investor, government agency and Bank guidelines are met.
- Ensure that exceptions are addressed in a timely manner to avoid delays in the foreclosure process
- Follow company's standard operating procedures, comply with OCC regulations, and follow the legal responsibilities involved with collections, bankruptcies, and foreclosures
Sr.Foreclosure Specialist
June 2013 to August 2014NYCB MORTGAGE COMPANY, LLC － City , STATE
June 2013 to August 2014NYCB MORTGAGE COMPANY, LLC － City , STATE
- Maintain the integrity of the servicing file and the loan account Assist in creating policy and procedures for daily task approved by manager Supply legal counsel with figures necessary for final judgment.
- Reviewed and verified complaints, insuring information contained is accurate Calculating and providing figures related to foreclosure sale bids and judgments required of the attorneys.
- Calculating and providing figures related to reinstatement and payoff request made by borrowers and/or attorneys.
- Review and executed documents submitted by foreclosure attorney Participated in conference calls to attorneys to explain our foreclosure files, workflow and systems used by bank.
Career Development
August 2010 to June 2013PNC BANK － City , STATE
August 2010 to June 2013PNC BANK － City , STATE
- Helped Create and implement career development program.
- Organized mock interviews and resume reviews with human resource department for internal employees.
- Assisted in on-site job shadowing and cross training.
- Assisted in the creation of on-site job fair for entire Brecksville's operation site.
Foreclosure specialist | august
January 2009 to June 2013PNC Bank － City , STATE
January 2009 to June 2013PNC Bank － City , STATE
- Single point of contact costumer service Liaison between the homeowner and the lender.
- Advise homeowner of needed documents to present to the bank.
- Negotiator between the lender and the homeowner.
- Review loan documents, Analyzed credit reports and Financial statements to determine the degree of risk involved in reinstating, settling or negotiating a short sale on foreclosure accounts Extensive and deep knowledge of industry guidelines, including CFPB and OCC guidelines Understand title, property records and equity analysis Monitor the status of foreclosure cases assigned to legal counsel Implemented and monitored dual tracking process within the foreclosure department Maintained a high volume (over 300) portfolio of mortgage loans from 120 days to foreclosure sale.
- Managed Pre-Sale Foreclosure for loans over 120 days.
- Ensure that investor, government agency and Bank guidelines are met.
- Ensure that exceptions are addressed in a timely manner to avoid delays in the foreclosure process Follow company's standard operating procedures, comply with OCC regulations, and follow the legal responsibilities involved with collections, bankruptcies, and foreclosures.
ATTORNEY SUSAN LAX
Loan Consulant
LOAN CONSULTANT
June 2004 to August 2009Attorney Susan Lax － City , STATE
June 2004 to August 2009Attorney Susan Lax － City , STATE
- Conducted client financial needs analysis, reviewed credit and income documents.
- Educated and advised clients on which loan programs best fit their needs
- Advised clients on suitable loan programs, provided quotes, performed prequalification approvals
- Collaborate with Bankruptcy attorneys, title agencies and financial institutions.
- Negotiated loss mitigation options with debtor's attorneys.
- Negotiated debts in lieu of bankruptcy filings.
Office Manager/ Loan Officer
August 2005 to March 2008First Nations Mortgage － City , STATE
August 2005 to March 2008First Nations Mortgage － City , STATE
- Supervised the activities performed in all work units within an office Correct misconduct or making recommendations for formal discipline Delegated responsibilities among the staff and ensuring that no staff member is overloaded with work.
- Resolved any interdepartmental and personal disputes in the office Identified problems with performance and developing solutions to those problems Participated in the hiring, and trained new employees Motivated staff to work more effectively Developed Business Referral Network through marketing, cold-calling, prospecting and networking activities Met with prospective borrowers.
- Reviewed and Analyzed credit and financial data.
- Determined borrower financing objectives and goals.
- Attended and completed all required training.
Net Branch Manager/ loan Officer
August 2000 to July 2005Flagsip Mortgage － City , STATE
August 2000 to July 2005Flagsip Mortgage － City , STATE
- Supervised the activities performed in all work units within an office Correct misconduct or making recommendations for formal discipline Delegated responsibilities among the staff and ensuring that no staff member is overloaded with work.
- Resolved any interdepartmental and personal disputes in the office Identified problems with performance and developing solutions to those problems Participated in the hiring, and trained new employees Motivated staff to work more effectively Developed Business Referral Network through marketing, cold-calling, prospecting and networking activities Met with prospective borrowers.
- Reviewed and Analyzed credit and financial data.
- Determined borrower financing objectives and goals.
- Attended and completed all required training.
Education
Associate of Arts : Liberal Arts, december 1998Kent State university august － City, State, United States
Mortgage Lending/ Real Estate Law, 2004Hondros College － City, State, United States
Mortgage Lending/ Real Estate Law
Affiliations
Leadership Development Program
Skills
Cold-calling, Communication Skills, Credit, Customer Service, Detail Oriented, Equity analysis, Financing, Financial statements, Hiring, Legal, Marketing, Mortgage loans, Negotiating, Negotiator, Networking, Sales, Workflow
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Resume Overview
School Attended
- Kent State university august
- Hondros College
Job Titles Held:
- Loan Modification Specialist
- Sr.Foreclosure Specialist
- Career Development
- Foreclosure specialist | august
- ATTORNEY SUSAN LAX Loan Consulant LOAN CONSULTANT
- Office Manager/ Loan Officer
- Net Branch Manager/ loan Officer
Degrees
- Associate of Arts : Liberal Arts , december 1998
Mortgage Lending/ Real Estate Law , 2004
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