To attain a challenging and rewarding position that will allow me to increase company's customer base and service by utilizing my school, work and leadership experience with the prospect for future professional growth. Summary of Qualifications Great self confidence and outgoing personality. Exceptionally polite and professional approach to dealings with customers. Excellent negotiating skills and strong persuasive manner. Considerable level of numeric and the ability to work out costs. Profound business sense. Strong ability to work alone without direct supervision. Excellent work ethic and team skills. Remarkable knowledge of finance. Ability to read credit reports and determine qualifications based on banks' loan programs. Great knowledge and ability to use relevant computer software.
Bank of America DIL NegotiatorJune 2011 to Current
HUD certified to liquidate properties through the Short Sale workout option-mortgagee letter 2008-43 Analyze complex financial data, supporting documentation and FHA disclosures to certify customer's eligibility.
First point of contact in Short Sale for customers, business partners both internal and external as well as vendors, title companies, appraisers, property preservation.
In depth understanding of the Short Sale process as it pertains to servicing guidelines and HUD directives on an associate level for both Phases of the process.
Subject matter expert for managers and associates in the processing of more intricate files with multiple statuses.
Ability to research and respond to complex customer/business partner/vendor inquiries.
Processes short sales by reviewing borrowers' credit reports, financial documents, home appraisals, bank's total indebtedness and determines maximum amount of requested cash contribution Requests financial documents from borrowers and listing agents Prepares lo.
Florida Capital Bank MortgageJune 2010 to April 2011Loan Submission Coordinator
Identify customer type, loan program, and channel Perform loan data and document review of Imaged loan submission packages received from brokers on the system of record, Avista.
Documents reviewed include: Early disclosures required by RESPA and REG Z Initial loan application (1003) REG X Compliant 2010 Good Faith Estimate Settlement Service Provider List (SSPL) DU Released through FLCBM website Credit Report aging / uploaded to the website Appraisal aging / HVCC Compliant Identify and stamp the Initial Binding 2010 GFE and any subsequent Change of Circumstance GFEs.
Maintain system data integrity.
Date stamp all new loan files and initial 1003 applications.
Timely delivery of initial loan packages to u/w within turn time guidelines.
File to be sent to u/w within 3 hours of receipt of physical file) Ensure all loan files are clearly and legibly labeled with borrower's last name on front of folder and loan file tab.
Ensure Status on Avista is reflecting appropriate designation UW Subm.
Aerotek /Bank of AmericaMarch 2009 to May 2010Vendor Doc Support Specialist
Working on the Government side of Bank of America operations as a floater support specialist where dealing with different functions of different departments for the ultimate goal of customer satisfaction.
Audit, order and process government FHA/VA appraisals and titles, Process appraisals report for payments.
Input conditions on desktop underwriter.
Logging and capturing documents into system to be reviewed by processors and underwriters.
Transfer FHA/VA case numbers from or to different lenders Have direct contact with closers, processors, underwriters, appraisers, title agencies, and different lenders.
Following up with appraisers, title agencies and lenders to ensure proper actions are taken in timely manner to meet guidelines and closing dates.
Home Mortgage Disclosure Act) Proof Review Specialist This department is responsible for reviewing loan applications that are recommended for decline or withdraw from the underwriters.
Following the recommendations the loan applications are declined or.
Premier Automotive GroupJune 2006 to March 2009Customer Service and Sales Representative
Discuss customer's needs and advise them on the most suitable vehicle for them and their families.
Negotiate the sale price of vehicles, including any trade in price for old vehicles.
Work out finance arrangements, which may include cash payments or a car loan.
Highlight additional products to customers such as accessories, after-sale service and other products.
Complete associated paperwork and pre-delivery inspections.
Exceeds departmental sales goals through relationship building and persistence.
Develop trusting long term relationship with costumers earning repeat business.
Effectively enact prospecting, cold calling and professional selling techniques used in the automotive industry.
Analyze and interpret customer's questions in a professional manner in order to exceed the customer's needs, wants and expectations.
Bank of AmericaSeptember 2004 to May 2006Operations Representative
Reviewed and processed deposit accounts tax documentations and performed research to ensure customers supplied Bank of America with tax identification documentation of citizenship in order to comply with National Compliance Guidelines of Bank of America and Internal Revenue Services' regulations.
Effectively corresponded with Bank of America costumers to verify account information and their status via phone or email.
Maintained Bank of America Spirit and Benchmark production requirements.
Adecco Bank of AmericaOctober 2002 to September 2004Post Closing Resolution Specialist
Reviewed and verified FHA/VA loan documents information to ensure that all the original documents were properly completed and signed by the customers while maintaining procedures and guidelines for the Escrow Analysis Department.
Keyed all loan and data from selected documents into Dart System.
Documented and reported all files that were not processed properly.
Supplied and forwarded loan files and documentation to other departments.
Alliance School of Mortgage LendingCertificate of Mortgage Processing and Loan Origination
Florida Community CollegeMay 2007Associates: Arts
Florida Community CollegeLicense of Accredited Claims Adjuster
5/20 License # P170719