paralegal resume example with 11+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105609 Johnson Ave., 49204, Tulsa, OK
H: (555) 432-1000
C:
resumesample@example.com
Date of Birth:
India:
:
single:
Religion:
Military service:
:
Professional Summary
Service-oriented and responsible with good understanding of real estate practices and financial regulations. Well-versed in options such as short sales to avert foreclosing on properties. Well-organized and detail-oriented with systematic approach.
Skills
Computer literate with experience in Microsoft Word and Excel; with the ability to learn the company's core operating systems. Excellent organizational/ time management skills; excellent communication and negotiation skills. Advanced understanding of mortgage lending and servicing. Thorough knowledge of Fair Debt Collection Laws, Federal Bankruptcy Laws, Fannie Mae and Freddie Mac, investor guidelines, and regulations. Foreclosure procedures and various loss mitigation options such as short sales, deed in lieu of foreclosure, modifications, and reinstatement workouts.
Review county specific court dockets and official records.
Monitor pending foreclosure sales for any issues that may delay foreclosure sale.
Review files with active holds due to Litigation, Loss Mitigation, and or active Bankrupty status.
Confirm client instructions to proceed, postpone, and or cancel foreclosure sale via client specific platform such as LPS, Tempo, and Vendorscape.
Request and review supporting documentation provided by the client.
Prepare county specific Motion and Order for submission to the courts, and or Judge's via a Judge's Package.
Submit a hearings request for counties that require a hearing be held in reference to the motion being filed.
Upload Motion and Orders by E-Filing the documents via the E-Portal and or Courtmaps. Monitor court dockets to confirm cancellation and or reach out to Judges Assistance to verify status of Proposed Order.
Confirm cancellation via county specific foreclosure website Realauction, and or hearing results.
Advise client of foreclosure sale status. Update client systems by uploading executed order, removing previous sale date, and updating current rescheduled sale date.
Prepare a Notice of Serving on Court Orders per Clerk and Judge's instructions.
E-Serve and E-File Orders via the E-portal.
Prepare HUD/ FHA Letters to be sent to the Defendant(s) as well as Occupant of the subject property.
Update and upload HUD Letters to FHA Yardis/ P260 website.
Quality control and forensic examination of all mortgage and securitization loans, portfolio and sale contract audits.
Analyze credit documents including but not limited to mortgage applications, credit history, income and title documents, appraisals and all applicable compliance documents.
Review for active loss mitigation and foreclosure processes.
Analyze payment histories.
Determine and document loan conditions and communicated requirements and/or decisions.
Adhere to all FNMA/ FHLMC/ FHA/ VA legal, foreclosure and repurchase guidelines.
Identify portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure.
Prepare submission packages for investors and management.
Monitors foreclosure loans and ensures that foreclosure actions on individual accounts are completed in a timely manner, according to investor/insurer, state, and regulatory guidelines; minimizing financial losses to the company.
Communicate and work with legal counsel to ensure FNMA foreclosure timeline's are being met from foreclosure referral to foreclosure sale. Assist legal counsel with reviewing, research, and resolving any issues during the foreclosure process such as assignments, allonges, power of attorney, and title.
Prepare Affidavits of Debt, Payoff Letters, and other relative documents for execution by various parties.
Negotiate any opportunities to shorten foreclosure timeline's, drive performance, or minimize loss.
Preparing bidding instructions; as well monitoring and reporting all foreclosure sales within investor, insurer, agency, and company guidelines.
Ensure accounts are properly documented in MSP/LPS; with action taken, correspondence, and explanation of delays.
Apply in-depth loan workout experience in the review of routine to complex financial packages by comparing them to guidelines established by investors, insurers and management to determine what program(s) borrowers may qualify for or other workout options they may have.
Evaluate the financial position of the mortgagor(s) to determine the appropriate workout option best suited for the situation; this entails a review of the mortgagor(s) income and expenses, income tax returns, balance sheets/ income statements for self-employed borrowers, and credit reports.
Evaluate Broker Price Opinions and appraisals to assure adequate collateral of the security instrument is maintained, or the maximum value is received for the repayment of the debt in case of a pre-foreclosure sale; also review title searches, liens, current real estate tax information or encumbrances that could pose potential issues.
Negotiate terms of the various workout alternatives with mortgagors, real estate brokers, attorneys, MI companies, Fannie Mae, Freddie Mac, FHA/ VA, and private clients.
Coordinate loss mitigation efforts with associated departments, default and real estate vendors, mortgage insurance companies, realtors, appraisers, title companies, attorneys, and/ or court systems.
Prepare submission of packages for investors, insurers and management.
Coordinate all contact with borrower and investors/ insurers necessary to finalize the terms of approval of the workout.
Document analysis results if a workout approval/denial and forwards to all appropriate parties for final resolution.
Education
GED: , Expected in - Brewster Technical Center - Tampa, FL GPA: Status -
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