Detail-oriented Mortgage Specialist with over 15 years of experience in the mortgage industry, with knowledge and background in loan origination and mortgage loan servicing. Skilled in client-facing roles focused on sales, relationship building and process improvement. Highly organized and methodical with excellent attention to detail. Seeking an opportunity where my transferable skills can bring immediate value to an organization poised for growth and advancement.
Skills
Bilingual (English and Cantonese)
Excellent communication/organizational skills
Experience with DU/LP, Encompass and MSP
Microsoft Office (Word, Excel, Power Point)
Positive can-do attitude
Prospecting and relationship building
Recipient of Sales Manager of the Month award
Strong sales ability
Experience
04/2021 to 02/2022
Mortgage ConsultantWells Fargo Bank – Raleigh, NC,
Analysis of income, assets, credit, title and collateral information to determine creditworthiness based upon loan programs and investor guidelines.
Analyzed applicants' financial and credit status, evaluated assets and risk to determine loan feasibility.
Assisted loan officers with documentation required to complete and process residential loan applications.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Submit detailed loan packages to Underwriting and cleared conditions required for final loan approval.
12/2012 to 04/2021
Loss Mitigation Private Portfolio Specialist/UWLennar – Beaverton, OR,
Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Contacted borrowers to assess reasons for default, individual intents and options for resolving issues.
Evaluated borrower application packages to determine financial circumstances, and ability to pay.
Managed a high-volume pipeline of home loans while maintaining accuracy and efficiency according to rules and guidelines set forth by our investors and with the CFPB.
Negotiated terms with attorneys, mortgagors, MI companies, government agencies, authorized third parties and real estate agents on the behalf of our clients and investors.
Performed borrower financial evaluations to develop strategies to bring delinquent loans current while mitigating our client's loss.
Reconciled sources of income, tax returns, balance sheets/statements, and credit reports; evaluated property valuations and appraisals to determine beneficiary’s equity position and to ensure accurate collateral of security instrument is maintained. Review title searches for liens, real estate tax information, or other barriers and relay the required steps to the appropriate parties to resolve any issues.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Serviced home mortgage loans in bankruptcy and foreclosure status.
Worked directly with investors to determine various loss mitigation solutions for homeowners based upon income eligibility and various program guidelines.
01/2009 to 12/2011
Loan OfficerThe Scoular Company – Jerome, ID,
Analyzed applicants‘ financial status, credit and property evaluation for loan feasibility.
Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
Built referral business by meeting with local financial planning, home builders and real estate professionals.
Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Managed the loan process and customer expectations from application to closing.
Met with applicants to obtain information for loan applications and answered questions about the process.
Originated residential home loans for purchase and refinance transactions.
07/2004 to 07/2008
Sales ManagerBechtel – Cape Canaveral, FL,
Conducted sales presentations to prospective home buyers and referral partners.
Delivered sales presentations focused on offerings and unique advantages over competitors.
Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
Managed day-to-day operations to maintain a professional sales office.
Prepared and audited all sales contracts and agreements for the sales community.
Prospected for new business using databases and other strategies to generate sales.
Tracked monthly sales to generate reports for business development planning.
06/2003 to 07/2004
Network SpecialistBurger King Corporation – Indiantown, FL,
Administered, maintained and supported network systems to provide consistent security, availability and performance.
Configured and installed routers, switches and wireless controllers.
Created, updated and managed user network domain accounts for 100+ employees.
Evaluated network performance to optimize traffic flow, maintain security and improve processes.
Maintained hardware and software for networks and assisted in installation and upgrade of servers.
06/1997 to 06/2003
Assistant ManagerFortune Kookie Restaurant – City, STATE,
Balanced daily sales figures from cash and credit card transactions.
Developed rapport with guests and assisted in generating repeat business by providing exceptional customer service.
Managed over 15 employees to increase productivity and customer satisfaction.
Resolved and investigated complaints regarding service, food quality and accommodations.
Served food and beverages to patrons and immediately remedied issues with orders.
Education
Expected in 05/2003
Bachelor of Science: Telecommunications Management DeVry University - Addison, IL, GPA:
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