Self-motivated banking professional offering strong communication and quick thinking skills. Works effectively on teams, as well as independently, in fast-paced environments.
June 1985 Graduate Governor Mifflin High School
August 1999 Paralegal Certificate Penn State Berks
Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint, Publisher)
Oversight Management06/2015 to CurrentCompany NameCity, State
work within the Default Operations to enhance processes and make them more efficient.
I have created several scripts to reduce the manual input into our system.
This has eliminated a large amount of errors when noting accounts and closing out appropriate tasks for a specific foreclosure prevention workout.
I eliminated the need for multiple spreadsheets by creating efficient reporting for management to track the processes.
Created checklists to ensure that all steps in the foreclosure prevention process are being completed.
I am currently working on a similar checklist for the liquidation process.
I am also responsible for collecting all information requested for audits from the GSE's, HUD or internally.
I also maintain the Loss Mitigation policy and procedures to insure they are current and encompass all regulatory updates.
Default Analyst05/2007 to CurrentCompany NameCity, State
reviewing files for the best possible foreclosure prevention workout option Review financial packages completed by borrowers Analyze the income and expenses to see if the borrower qualifies for a retention workout (modification or repayment plan) or liquidation (short sale or deed in lieu).
Assisted in preparing scripting to note accounts properly and closing tasks.
Assisted in the GSE alignment in 2011 to ensure that all forms where standardized according to Fannie Mae and Freddie Mac guidelines.
Assisted in the rebranding project from Sovereign Bank, N.A. to Santander Bank in October 2013.
This included updating all of the Loss Mitigation forms and assisting with the document inventory.
I was also responsible for preparing and distributing daily, monthly and annual reports of completed workouts and responsible for Electronic Default Reporting (EDR) for the Loss Mitigation department to Fannie Mae and Freddie Mac.
Paralegal06/2006 to 05/2007Company NameCity, State
Review all requests from customers to transfer their property into revocable trusts, requests to add or delete parties from their deed, requests of transferring property into a limited liability company (LLC),.
Route all necessary legal documentation to the correct department and handle all requests from within the Mortgage Servicing Department to correctly identify any matters that must be assigned to outside counsel and obtain managerial approval.
I processed the requests for external Assignments for Consolidation, Extension and Modifications Agreements for the New York area by ascertaining all collateral documents in the Sovereign Bank files and/or from Fannie Mae or Freddie Mac and work closely with New York counsel and the customer to complete the Assignments.
Mortgage Loan Officer01/2005 to 06/2006Company NameCity, State
Discuss all financing options
with the customers for conforming and non conforming loans. I handled customers with perfect and less
than perfect credit and would obtain financing that accommodates their
I opened and processed all
loan files, including issuing a pre approval letter, organizing all
documentation, uploading the files through an automated underwriting system,
communicating with the customer and lender in obtaining loan conditions in
order to gain final approval for closing.
I ordered the title searches
and appraisals for each file and in some instances, attended closing. Spring Ridge Mortgage was a small, in-house
mortgage broker for Century 21 Park Road and was closed shortly after my
Mortgage Loan Processor10/2002 to 01/2005Company NameCity, State
Opened loan files,
organized all documentation, uploading the files through an automated
underwriting system, communicating with
the customer and lender in obtaining loan conditions in order to gain final
approval for closing
Ordered title searches and
appraisals for each file and in some instances, attended closing when the loan
officer was unavailable.
Learned how to price
loans and to meet with customers for the initial application process.
Paralegal10/2000 to 10/2002Company NameCity, State
Worked for the managing partner answering the telephone, scheduling appointments and hearings, preparing pleadings for divorce, custody and support cases and all correspondence related thereto.
I met with clients to obtain information pertinent to their file and filed pleadings with the Berks County Court system and prepared the appropriate documents for the attorney's review.
Paralegal03/2000 to 10/2000Company NameCity, State
Paralegal - this was a newly established practice for a sole practitioner.
Hired to set up the office including the bookkeeping system using Quicken.
I also prepared and filed bankruptcy documentation, correspondence, filing and answered phones.
Paralegal10/1996 to 02/2000Company NameCity, State
Paralegal - this was a small firm of 3 attorneys I answered telephones, scheduling appointments and hearings, preparing pleadings for municipal, divorce, custody and support cases and all correspondence related thereto.
I met with clients to obtain information pertinent to their file and filed pleadings with the Berks County Court system.
Prior to November 1997, my experience had been in law firms as a secretary/legal assistant preparing correspondence, answering telephones.
My experience had been in municipal finance, bankruptcy and general practice.
I began working part time with a small law office while still in high school.
Pennsylvania Real Estate License (Inactive since 2008)
April 1998 Paralegal Certificate, Penn State BerksNovember 2004
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Job Titles Held:
Mortgage Loan Officer
Mortgage Loan Processor
Pennsylvania Real Estate License (Inactive since 2008)
April 1998 Paralegal Certificate, Penn State Berks November 2004
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