Experience

EXIT Real Estate Gallery

• REALTOR®

  • 2017 - Present



Capco

• Orlando, Florida Area

• Mortgage Consultant

  • 2017 - Oct 2017

  • Manage and communicate with 8+ banks needing monthly and/or quarterly third party compliance review • Up to date with FNMA, FHA, FHLMC, VA, USDA guidelines • Review origination packages pre-fund, post-close, adverse and HELOC to determine errors to avoid repurchases,etc. • Analyzed bank portfolio guidelines to ensure compliance within client • Manage and communicate with 8+ banks needing monthly and/or quarterly third party compliance review • Up to date with FNMA, FHA, FHLMC, VA, USDA guidelines • Review origination packages pre-fund, post-close, adverse and HELOC to determine errors to avoid repurchases,etc. • Analyzed bank portfolio guidelines to ensure compliance within client



FIS

• Maitland, Florida

• Compliance Analyst

  • Dec 2015 - Jul 2016

  • Conducts compliance assessments and provides direction on any deficiencies • Detects, audits, and analyzes errors and reinforces penalties related to UDAAP risk • Scrutinize and verify complaints submitted by clients • Utilizes, searches and interprets data and information found on mortgage loan servicing databases and platforms, including payments, communication notes and imaged documents. • Conducts compliance assessments and provides direction on any deficiencies • Detects, audits, and analyzes errors and reinforces penalties related to UDAAP risk • Scrutinize and verify complaints submitted by clients • Utilizes, searches and interprets data and information found on mortgage loan servicing databases and platforms, including payments, communication notes and imaged documents.



Selene Finance LP

• Loss Mitigation Underwriter

  • Nov 2014 - Dec 2015

  • Ensured modification submittals met internal and external eligibility requirements. Fluent knowledge and understanding of FHA, VA, USDA and Conventional guidelines • Proficient in analyzing personal and business tax returns, legal documentations, title reports and analyzing credit reports to determine client’s liabilities and ability to maintain property. • Sole liaison in determining negotiation terms between prior servicers and Selene • Responsible in assuring accuracy of files prior to final approval; exceeded in quality assurance and decisioned files within CFPB regulations timeframe • Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing. Show less



EverBank

• Loss Mitigation Specialist

  • Jul 2012 - Nov 2014

  • Fluent knowledge and understanding of HUD’s loss mitigation mortgagee letters • Selected by senior management to oversee numerous projects regarding acquisitions, audits and training all within FHA guidelines • Proficient in negotiating with clients towards finding win-win resolutions that recommits clients to payment agreement • Exceeded monthly and quarterly performance metrics by managing pipeline efficiently, 100% in quality assurance, decision files within 30 days, etc. • Analyze credit reports, title reports, HUD-1, mortgage applications, income documents, appraisals Show less