My extensive experience and knowledge in the mortgage, title and real estate industry brings value and allows smooth processes. I have a clear knowledge of FHA, VA, FNMA, FHLMC, and OCC regulations and guidelines. I have experience operating within Dodd-Frank and RESPA government regulations. I provide excellent oral and communication skills and can easily negotiate with all involved parties. I'm well versed with computer applications. I have a sound understanding about working procedures of escrow and mortgage and prove excellent troubleshooting ability. I demonstrate a positive, self-motivated and professional demeanor at all times.
Risk Compliance Specialist II01/2012
to 01/2014 BANK OF AMERICA – Dallas,
Examined and verified documents in loan files for compliance, potential fraud or any discrepancies using my underwriting expertise to determine the accuracy of data in the file.
Reviewed appraisals, title commitments and incoming documentation to render a loan approval.
Executed Due Diligence on compliance reviews, TIL Disclosures, RESPA, 3 day right of recession, Hud-1, Section 32 and Disclosures requirement.
Mortgage Underwriting Compliance Analyst01/2011
to 01/2012 CHASE – Lewisville,
Reviewed for findings, the work of production underwriting staff to ensure procedures and processes had been performed in accordance with Investor requirements, government regulations and the Bank's standard operating procedures.
Determined and documented deficiencies discovered throughout the course of the review and evaluated the quality of the files audited.
Prepared a clear, concise report of significant findings on a file-by-file basis, to be distributed to appropriate internal parties.
Prepared reports on the audit, making recommendations for appropriate corrective actions to reduce or prevent the occurrence of similar deficiencies in the future.
Managed the disposition of a portfolio of real estate owned (REO) assets for Freddie Mac and Fannie Mae with an average of 152 properties while maintaining a 99.3% score card.
Established market values and market strategies to sell assets in a manner which maximizes recovery and minimizes expenses while in compliance with established policies and procedures.
Negotiated sales contract terms with broker network, Client Sales Associates, and consumers to meet recovery targets and performance goals using a consistent, positive and respectful approach.
Realtor/Certified Notary Signing Agent01/2004
to Current DREAM KEY REALTY – Plano,
Provide legal, economic and market advice to prospective clients Coordinate property closings and oversee document signing Prepare legal documents including listings and sales contracts Develop sound marketing plans designed to address the needs of residential buyers and sellers Deliver excellent and certified mobile notary signings to a variety of title companies and lenders that have a transaction documentation requiring signatures with notarizations that is taking place outside of their normal brick and mortar location.
Escrow Assistant II01/2002
to 01/2006 SAFECO LAND TITLE – Dallas,
Used superior customer-oriented telephone skills to acquire relevant customer information and communicated requirements and other information to clients Interpreted earnest money agreements as they relate to closing and prepared all documents required for closing transactions Calculated taxes, insurance and PMI for escrow Prepared HUD-1 Statements from title company fees and lender instructions Communicated and coordinated closing with all parties Performed closings when needed Cured title impairments by obtaining lien releases and negotiated with the title provider to determine resolution of judgments, liens and others issues.
to 01/2002 CHICAGO TITLE – Dallas,
Used superior customer-oriented telephone skills to acquire relevant customer information and communicated requirements and other information to clients Prepared HUD-1 Statements based on lender instructions and title company fees Consulted with foreclosure attorneys to determine the best course of action when title needed to be cleared Interpreted earnest money agreements as they relate to closing and prepared all documents required for closing transactions Communicated with prior lien holders to confirm lien status and secure releases.
Texas Real Estate License #0519289
NNA Certified and Background-Screened Notary Signing Agent # 12486101-5: 1 2004KAPLAN UNIVERSITY-