Organized real estate and financial professional who effectively identifies and resolves complex financial issues. Thrives in fast-paced and ever-changing business environments.
Analyze applicants' income, assets, credit, property value and ownership against supporting documents provided by the borrower, agents or additional 3rd parties. Process residential 1-4 family Short Sales and Loan Modification submissions ensuring accuracy, completeness and compliance with company, investor, and agency regulatory standards from origination to closing in a timely and precise manner. Identify, understand and resolve customer issues. Work content ranges from proactively solicit customers in default (or imminent default), negotiate, manage and execute property liquidation subject to defined timelines, to moderately complex analysis and problem resolution. Work effectively with loan officers, underwriters, closers, agents, homeowner's associations and foreclosure (including defense) attorneys. Monitor foreclosure cases, followed with file-specific preparation of homeowner's 'Pro Se' Motion court documents to postpone foreclosure to make closing viable. Maintain high referral rates and exceptional feedback from previous clients.
Listing/Selling real estate. Counsel customers on market current status for residential marketsand generate lists of properties that are compatible with buyers' needs and financial resources. Initiative to research any code of violations, permit issues or additional liens with buyer's property of interest or a new property listing to avoid closing delays. Negotiate contracts and coordinate with lenders, attorneys and inspectors. Communicate with owners regarding home and loan status. Verify the legal formalities are completed prior to closing dates. Maintain professional independence wile working closely with business units.
Developed effective relationships with clients HSN, Staples, Lens Express, and 1800Flowers through clear communication.
Managed loan applications (1003) for completeness and accuracy of borrower documentation meeting underwriting guidelines. Attained explanation of credit discrepancies, verifications of employment and deposit, ordered title, insurance, and all payoffs. Determined appropriate rate locks, and issuance of disclosures. Achieved proper compliance meeting underwriter's conditions to close.
Maintained an up-to-date department organizational chart. Performed daily maintenance of the loan applicant database. Managed daily office operations, office compliance forms, new loan package readiness and maintenance of equipment. Assisted senior-level credit officers and loan processors with complex loan applications, borrower document delivery and collection.
Completed loan modification training
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