Experience

Coldwell Banker Vanguard Realty

• Oakleaf Plantation, Florida, United States

• Florida Licensed Realtor

  • Jan 2022 - Present



Mr. Cooper

• Texas, United States

• Loan Processor

  • Nov 2020 - Apr 2021

  Responsible for providing exemplary customer service and for the processing of loans from set-up to closing by verifying, compiling and entering borrower information into loan processing systems(Encompass). Reviewed loan application files to verify that all data was complete and met standards, including the loan type and purpose, borrower assets, liabilities, and employment. Verified and analyzed loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations. Interacted with Mortgage Professionals to obtain information from the borrower or to seek clarification about documents in the loan file. Informed the Processing Manager of discrepancies in the file and obtained direction on how to proceed, as applicable. Recorded data to track the status of loans in processing. Submitted loan application files to underwriting for approval, created and mailed approval or denial letters to applicants. Submitted approved mortgage loan files to closing for settlement. Responsible for handling non-public information (NPI) about borrowers. Adhered to all applicable internal NPI policies and procedures and protected the confidentiality of borrower information. Performed administrative duties such as faxing, photocopying, filing and phone support, as required, by Loan Processor II and Processing Managers. Show less



Caliber Home Loans, Inc.

• Texas, United States

• Senior Loan Processor

  • Jul 2020 - Oct 2020

  Responsible for assisting the borrower and production sales team in the coordination of all functions related to the processing and closing of loans. Serves as subject matter expert (SME) regarding Caliber's Processing policies, procedures, and technology. Manages multi-state loan pipeline; coordinates pipeline management with Loan Consultant. Conducts daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed. Escalates any fraud files to Risk Management Leadership Team. Communicates to key stakeholders, including Branch Manager, Loan Consultants, and customers on status. Manages key dates, for example, lock expiration, contingency date, contract date, credit doc expiration, ECOA, MDIA and other compliance related dates. Performs data entry to update all internal computer systems and loan files with notes regarding all actions that affect the loan in accordance with company requirements. Reviews title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting conditions for required standard compliance prior to underwriter submission. Provides customer and closing agent necessary requirements and coordinates scheduling for completion of loan closing. Show less



Mphasis

• Jacksonville, Florida, United States

• HSS II

  • Oct 2019 - Jul 2020

  Processes loans approved by an Underwriter or an automated decisioning system. Has credit signing authority within delegated limits. Responsible for clearing conditions and issuing changes to the terms on previously approved loans. Responsible for, but not limited to, verifying conditions of approval which may include, customer income/assets documentation, resolving routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; processing subordinations; resolves appraisal disputes and coordinates closing activities. Maintains a high level of customer service by being proactive in communication with customers, including banking center associates, realtors, etc. SASE authority. Show less



U.S. Bank

• Jacksonville, Florida Area

• Account Executive at U.S. Bank

  • Feb 2018 - Sep 2019

  The Sales Account Executive develops profitable new business account relationships and increased profitability from existing accounts within assigned regional territories. Identifies business opportunities based on knowledge of clients, markets, products and services. Makes in person and virtual sales presentations to existing and prospective clients informing them of the benefits of using the organization’s products and services to meet their needs. Implements and maintains an effective referral network and call program to promote sales. Works in conjunction with and for AML and KYC review, in order to qualify clients. Exhaustive due diligence review, of the proper documentation, via Lexis Nexis and CLEAR in order to close the transaction, per company and regulation compliance and conformance requirements. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• SENIOR FRAUD ANALYST-DEVICE FINGERPRINT (CONSUMER & SMALL BUSINESS CLIENT PROTECTION)

  • Aug 2017 - 2018

  Handled complex and escalated customer situations regarding possible fraudulent account activity. Completed inbound and outbound calls and took appropriate action based on complex transaction characteristics or account changes. Performed back office functions related to research and resolution of fraudulent activity and service support. Decisions made were based on judgment and research, extensive job experience, and following established procedures and guidelines, while leveraging multiple systems/tools. Decisioned accounts under exception conditions and proactively identified and escalated concerns/issues with a sense of urgency. Delivered practical, innovative solutions to customers/clients while focusing on retention and re-establishing customer's confidence. Complex research and analysis of account activity to assess levels of risk and fraud type. Provided testing of new procedures & systems. Show less

• SENIOR FRAUD ANALYST-RETAIL FRAUD DETECTION USCC

  • Mar 2015 - Aug 2017

  The Fraud Analyst II reviews customer accounts for the prevention and detection of possible fraud. Responsible for the more involved research and analysis of account activity to assess levels of risk and fraud type. Completes inbound and outbound calls and takes appropriate action based on transaction characteristics of greater complexity. Performs back office functions related to AML research and resolution of fraudulent activity and service support. Assesses the level of risk and makes decisions which directly impact the customer experience and risk to Bank of America. Reviews and analyzes accounts and customer situations that may require differentiated treatment or specialized resolution. Show less

• CUSTOMER RELATIONSHIP MANAGER II

  • Dec 2014 - Mar 2015

  Responsible for performing administrative support activities and ongoing plan monitoring functions for the Loss Mitigation Department. Create and process Mortgage Assistance/Loss Mitigation(LM) plan documents prepared by LM Specialists. Monitor repayment plans for conformance to established requirements. Coordinate the posting of repayment plan funds to appropriate accounts. File incentive claims with the Department of Housing and Urban Development(HUD).Perform loss mitigation package distribution and processing of new application packages. Maintain File Room organization and migration to electronic documentation. Perform related responsibilities as required or assigned. Show less

• HOME SERVICES SPECIALIST II (Sr Loan Processor/Jr Underwriter)

  • Oct 2012 - Dec 2014

  As HSS II, has credit signing authority within delegated limits. Responsible for clearing conditions and issuing changes to the terms on previously approved loans. Also, responsible for; but not limited to, verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issue including, but not limited to, the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may process subordinations, resolve appraisal disputes; depending on channel, may coordinate closing activities. Responsible for processing of loans approved by an Underwriter or an automated decisioning system. Maintained a high level of customer service by being proactive in communication with customers, sales partners, including banking center associates, realtors etc. Show less



EverBank

• Jacksonville, Florida Area

• GOVERNMENT PROCESSOR III/ (C.C.A.)

  • Oct 2010 - Oct 2012

  Position requires the ability to work within processing and underwriting, with consistent interaction and interruptions; while still meeting daily volume requirements. Reviews all items and conditions provided by borrowers and ensure they meet the required guidelines. Ensure that Corporate operating standards are met for underwriting and compliance. Ensure quality control standards are met, so that the company is able to sell the loan. Ensure that all Federal operating standards are met and upheld. Monitor property appraisal process to ensure value of property is accurately presented. Underwrite loans through use of automated processes. Excluding loans over $417,000. Show less



Citizens Property Insurance Corporation

• Jacksonville, Florida Area

• OPERATIONS SPECIALIST/UNDERWRITER

  • Feb 2007 - Oct 2010

  Responsible for reviewing and processing property and casualty applications to determine insurance eligibility. Processed insurance endorsements, renewals and cancellations. Conducted comprehensive investigations entailing all categories of mishaps/accidents, including fraud, with policy specific guidelines. Contributed to growth and profitability by significantly reducing liability exposure and claims. • Served as a collaborative tactical leader and team member, maintaining a constant focus on improving client service within the company through mentoring and training opportunities and organizational leadership. • Created reference guides, helping staff move quickly and efficiently to obtain loan status. Show less



Continental Special Risk

• Greater Atlanta Area

• PERSONAL LINES UNDERWRITER

  • Feb 2006 - Jan 2007

  Responsible for providing insurance quote information to retail agents by thoroughly accessing risks and determining eligibility per company guidelines. Responsible for rating the HO3, HO4,HO6,DP3,DP1, mobile home, umbrella and stand alone liability products. Also, responsible for manually rating, approving endorsement, cancellations, reinstatements and financing. Key Points: • Provided a high level of service to clients in stressful and difficult circumstances • Maintained awareness of all policies, procedures and regulations, in an ever-changing environment • Created and implemented training curriculums, concepts and scripts Show less



Citizens Property Insurance Corporation

• Jacksonville, Florida Area

• OPERATIONS SPECIALIST/UNDERWRITER

  • Jan 2002 - Dec 2005

  Responsible for reviewing and processing property and casualty applications to determine insurance eligibility. Processed insurance endorsements, renewals and cancellations. Conducted comprehensive investigations entailing all categories of mishaps/accidents, including fraud, with policy specific guidelines. Contributed to growth and profitability by significantly reducing liability exposure and claims. Key Contributions & Results: • Maintained comprehensive knowledge of all company policy programs, while maintaining a strong focus on compliance guidelines, in order to effectively service clients in a legal, industry-approved manner Show less