LiveCareer-Resume

risk specialist resume example with 12+ years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
  • :
Professional Summary

Sales and operations professional with experience in the wholesale, retail, servicing and loss mitigation in the mortgage banking industry. Expertise includes cold calling, mortgage processing operations, underwriting quality assurance and developing a refinance and liquidation program for a mortgage servicing company.

Core Qualifications
  • Guest services
  • Inventory control procedures
  • Merchandising expertise
  • Loss prevention
  • Cash register operations
  • Product promotions
Experience
Risk Specialist, 02/2014 to 10/2014
Amazon.Com, Inc.Virtual Location - Arizona, AZ,
  • Perform duties as integrated partner with Home Loans business leaders to ensure appropriate awareness and execution of risk management process Assist with identifying, designing, and executing the appropriate risk management processes and practices for establishing a well-managed business Responsible for standard risk reporting management, including input/updates for various reports.
Loan Modification Underwriter, 08/2010 to 02/2014
SandvikChino, CA,
  • Review and analyze borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses, and determine proper loan resolution.
  • Work as loan modification underwriter for Chase, BAU, HAMP, Freddie Mac, Fannie Mae and FHA loans Work as a loan remediation underwriter specializing in post modification auditing and remediation Review the recommended foreclosure prevention alternatives offered to the homeowner to ensure all investor/insurer guidelines were followed Analyze delinquency, perform escrow analysis, analyze modification scenarios and proposals and recommend appropriate loan workout Reviewed default escalations, foreclosure recession reviews and duplicate MHA files Received 3 awards for outstanding quality and production.
Mortgage Refinance and Liquidations Manager, 02/2009 to 07/2010
ChanneladvisorBerlin, DE,
  • Manage a pipeline of current qualifying refinance candidates and worked with motivated candidates in an effort to increase credit scores to meet new mortgage guidelines.
  • Work with the mortgage portfolio managers to develop a loan settlement for each borrower that maintains profitability and yield for the investor and provide a principal reduction for the borrower.
  • Developed a refinance program for a mortgage servicing company to provide an exit strategy for qualifying refinance candidates in order to increase cash flow for the company and its third party mortgage investors Performed due diligence on each mortgage and created asset sheets that showed the borrower’s credit, mortgage payment histories, employment, previous appraisal values and current market property values Developed direct mail and phone campaigns to reach qualified borrowers in attempt to originate a new loan for the borrower that would provide a tangible benefit Coordinate the flow of refinance activity and provide Microsoft Excel reports for Prodovis management, 3rd party investors and mortgage portfolio investors.
Account Manager, 03/2008 to 2009
First Community BankBlacksburg, VA,
  • Recruited physicians through cold and warm sourcing and matched them to open permanent physician opportunities.
  • Coordinated activities for the physician and client during the interview process until closing.
Account Executive, 08/2007 to 03/2008
Homecomings FinancialCity, STATE,
  • Originated Conforming, Jumbo, Alta-A and Home Equity loans for mortgage brokers Maintained a monthly funding average between one and two million dollars.
Loan Acquisitions Account Executive, 03/2007 to 07/2007
Security NationalCity, STATE,
  • Made cold calls to banks and acquired portfolios of distressed and charged off 1st and 2nd mortgage liens to acquire distressed loan portfolios Worked as the point of contact between banks and due diligence team to solve any problems that occurred during the due diligence process.
Loan Processor/Wholesale Account Executive, 07/2004 to 04/2007
WMC Direct Mortgage Company, A GE Money CompanyCity, STATE,
  • Worked as an inside sales associate managing a production team for an outside Michigan sales representative helping to increase monthly production volume from five million to eight million dollars over a nine month period Worked as a mortgage processor on the largest team in the division as a loan processor where monthly production volume increased from 75 million to 110 million dollars over a nine month period.
Retail Mortgage Account Executive, 06/2003 to 07/2004
Countrywide Home LoansCity, STATE,
  • Worked in a sub-prime lending division originating purchase, refinance and home equity mortgage loans Developed a self sourced referral method by utilizing 3rd party collection agencies for new mortgage leads.
Retail Loan Officer, 11/2002 to 06/2003
CitiFinancial MortgageCity, STATE,
  • Worked in a sub-prime lending retail office originating purchase, refinance and home equity mortgage loans Highest producer in the office for February 2003.
BPO Support Analyst, 04/2001 to 06/2002
BPO DirectCity, STATE,
  • Worked as an inside support help desk analyst for Freddie Mac's BPO software Provided phone and email support for BPO appraisers needing assistance uploading BPOs to bpodirect.com.
Education
Masters of Business Administration: Business Administration, Expected in 2004 to University of Phoenix (Dallas Campus) - Dallas, TX
GPA:
Bachelor of Science Degree: Telecommunications & Marketing, Expected in 1998 to Texas Tech University - Lubbock, TX
GPA:

Telecommunications & Marketing

Professional Affiliations
Skills

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Resume Overview

School Attended

  • University of Phoenix (Dallas Campus)
  • Texas Tech University

Job Titles Held:

  • Risk Specialist
  • Loan Modification Underwriter
  • Mortgage Refinance and Liquidations Manager
  • Account Manager
  • Account Executive
  • Loan Acquisitions Account Executive
  • Loan Processor/Wholesale Account Executive
  • Retail Mortgage Account Executive
  • Retail Loan Officer
  • BPO Support Analyst

Degrees

  • Masters of Business Administration
  • Bachelor of Science Degree

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