Obtain a productive position that is challenging and where my extended mortgage experience can be utilized. .
Lending, escrow & insurance
Fluent in Spanish
Excellent time management
Exceed production goals
Mortgage QA Analyst January 2012 to January 2013Wells Fargo, Promontory Project (OCC Consent Order) － Atlanta, GA
Performed audits of mortgage servicing activities, identified audit findings, and submitted the findings to management.
Reviewed and evaluated loan documentation, exceptions, and files to determine if programs, processes, and documentation were in compliance with internal company requirements, insurer guidelines, investor requirements, and/or government regulations.
Worked on Foreclosure and Bankruptcy servicing files, and covered the following areas: regulatory compliance, fraud, fair lending, and mortgage servicing in general.
Foreclosure Counselor December 2010 to January 2012Litton Loan Servicing － McDonough, Georgia
Responsible to collect for a portfolio of loans in foreclosure status to stop the property from going to sale on a judicial or a non judicial state and establishing communication with the attorney's office.
Obtained a financial analysis of borrower (s) income and monthly obligations to help establish a work out
Solution for the borrower such as a Repayment Plan, Modification, Short Sale, Settlement or a Deed in Lieu of foreclosure.
Managed a portfolio of sub-prime foreclosure accounts for multiple investors and monitored the progress of foreclosure through liaison with attorneys.
Monitored and managed foreclosure inbound and outbound calls.
Prepared and followed target goals and performed other duties as assigned.
As part of the Litton Loan travel team attended several Hope Now Outreach events and meet with multiple customers to discuss possible workout solutions.
Loss Mitigation Specialist January 2009 to December 2010Litton Loan Servicing － McDonough, Georgia
Responsible for the daily activities associated with accomplishing workouts for loans in a serious state of default by assisting with the modifications, short sales, deed in lieu of foreclosure and special forbearance agreements.
Evaluated loss mitigation files within the required time frame and determined options for borrower.
Reviewed the loan packages and examined in accordance with investors and government guidelines.
Discussed with the borrower (s) the HAMP eligibility and other modification alternatives.
Created and monitored modification agreements, ensured timely execution and compliance.
Resolved executive complaints and provided customer issue resolution.
Loan Counselor II April 2007 to January 2009Litton Loan Servicing － McDonough, Georgia
Collected and formulated repayment plans on delinquent accounts 30 + days past due up to 90 days past due status to limit delinquencies and prevent foreclosures.
Received inbound and outbound collection calls through a dialer system.
Obtained and analyzed financial from borrowers.
Maintained activities on all accounts and collected daily data in all delinquent accounts.
Financial Service Advisor May 2006 to December 2006JP Morgan Chase － Orlando, FL
Responsible for resolving financial and non financial customer inquiries providing personalized service meeting or exceeding client's quality and expectations.
Worked on personal and business credit card accounts by assisting with account balances, payments, changing credit card brands, balance transfers and other transactions as needed.
Collections Associate August 2004 to May 2005Rotech Healthcare － Orlando, FL
Responsible for the timely submission of medical claims to insurance companies and reviewed patient bills for accuracy and completeness and obtained any missing information.
Followed up on unpaid claims within the standard billing cycle timeframe.
Called insurance companies regarding any discrepancy in payments or claims.
Checked each insurance payment is for accuracy and compliance with contract discounts.
Business, 1997Long Island University － New York, NY