Experience

First National Bank of America

• United States
• Banking
• 300 - 400 Employee

• Mortgage Claims Research II

  • Dec 2013 - Sep 2014

  Research loans previously serviced by Bank of America where the Mortgage Servicing Rights (MSR) have been sold to a successor servicer to determine validity of servicing and/or documentation errors cited as a breach to the terms outlined in the MSR sales agreement. Provided assurance to investor for compliance with RESPA/HMDA procedures. Review MSR Sale contract terms to ascertain BAC obligations under the contract and available remedies. Calculate BAC financial obligation on validated… Show more Research loans previously serviced by Bank of America where the Mortgage Servicing Rights (MSR) have been sold to a successor servicer to determine validity of servicing and/or documentation errors cited as a breach to the terms outlined in the MSR sales agreement. Provided assurance to investor for compliance with RESPA/HMDA procedures. Review MSR Sale contract terms to ascertain BAC obligations under the contract and available remedies. Calculate BAC financial obligation on validated claim requests by compiling and analyzing loan information within EXCEL workbooks. Prepare written responses to Successor Servicers on claim requests. Coordinate resolution of designated requests with other BAC servicing departments. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Mortgage Claims Research II

  • 2013 - 2014

• Foreclosure Review Analyst

  • Nov 2011 - Jan 2013

  Reviewed foreclosed loan, evaluate/ensure loan process were in accordance with state laws and HAMP, BAC Proprietary modification and other applicable program and guidelines as well as accuracy and data integrity of required compliance disclosures at initial application and at time of origination Compile fully documentation loan histories, imaged documents and information from all sources to collectively determine if it validates the information used to make foreclosure decision… Show more Reviewed foreclosed loan, evaluate/ensure loan process were in accordance with state laws and HAMP, BAC Proprietary modification and other applicable program and guidelines as well as accuracy and data integrity of required compliance disclosures at initial application and at time of origination Compile fully documentation loan histories, imaged documents and information from all sources to collectively determine if it validates the information used to make foreclosure decision. Determine if borrower/customer have valid claim, if there was financial injury. Perform final determination of Harm. Conducted loan level review of servicing system information to identify uncontrollable events that led to foreclosure process delays Preformed lead backup responsibilities.

• Foreclosure Review Analyst

  • Aug 2011 - Nov 2011

  Review loans for proper execution of loss mitigation procedures as required by all state and federal law. Ordered and reviewed foreclosure, eviction and bankruptcy timelines from attorneys. Ensured that exceptions are addressed in a timely manner to avoid delays in the foreclosure. Ensured proper state and investor guidelines applied on all foreclosed loans. Preformed Lead backup responsibilities.



Independent Bank Of Texas (Irving, TX)

• United States
• Banking
• 1 - 100 Employee

• Investor Clearing Specialist Auditor

  • Dec 2010 - Apr 2011

  Reviewed/Audit closed loans from various banks and credit unions. Reviews forms, disclosures, and other documents to validate information and ensure compliance with applicable laws and regulations Ensured the eligibility according to Fannie Mae’s guidelines, performed Post-Close Quality Control audits as necessary to meet investor and GSE requirements. Shipped closed loans to investors, ensured that documentation complied with specific investors requirements. Followed up with title… Show more Reviewed/Audit closed loans from various banks and credit unions. Reviews forms, disclosures, and other documents to validate information and ensure compliance with applicable laws and regulations Ensured the eligibility according to Fannie Mae’s guidelines, performed Post-Close Quality Control audits as necessary to meet investor and GSE requirements. Shipped closed loans to investors, ensured that documentation complied with specific investors requirements. Followed up with title companies and closing attorneys on missing and required documents. Show less



USAA

• United States
• Financial Services
• 700 & Above Employee

• Jr. Underwriter/Loan Processor

  • Jun 2010 - Dec 2010

  Provide support to Loan Officers and Underwriter teams, by ensuring the timely, judicious and accurate processing of mortgages. Responsible for reviewing forms, disclosures, and other documents to validate information and ensure compliance with applicable laws and regulations related to HMDA, Regulation B, and RESPA Review corporate and individual tax returns, review property rent rolls and operating statements, analyze credit reports and payment history. Manage a pipeline of 60 to 80… Show more Provide support to Loan Officers and Underwriter teams, by ensuring the timely, judicious and accurate processing of mortgages. Responsible for reviewing forms, disclosures, and other documents to validate information and ensure compliance with applicable laws and regulations related to HMDA, Regulation B, and RESPA Review corporate and individual tax returns, review property rent rolls and operating statements, analyze credit reports and payment history. Manage a pipeline of 60 to 80 loans monthly, loan processing expertise – Conforming, Non-Conforming loans, ARM’s, GPM’s, Jumbo, FNMA, FHLMC, FHA and VA loans. Determined creditworthiness of borrowers and assesses financial risk involved in the deal. Engaged in due diligence process by reviewing post-commitment conditions to ensure that the borrowers complied with conditions at funding. Show less



GMAC Financial Svc

• Loss Mitigation Rep/Loan Resolution

  • Apr 2009 - Jun 2010

  Inbound and Outbound call center environment for delinquent accounts, Assist borrowers with status updates on the HAMP programs. Provided counseling to borrowers on option of short sales and deed in lieu. Analyze borrowers risk profile with the assessment of their credit, income, assets, tax returns and other required modification documents. Provide payment plan options to assist borrowers in bring their loan current.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Underwriting Assistant

  • Mar 2008 - Jul 2008

  Reviewed and verified borrowers, income, credit reports, employment histories, property appraisal, and title insurance to prepare loan application for underwriting submittal. Cleared underwriting conditions Assists customer on the phone Ensure compliance with applicable federal, agency and bank guidelines and regulations Submitted finding through Desktop Underwriter (DU), Loan Prospector (LP) and comparable underwriting systems for approvals.



Rw Mortgage Corp

• United States
• Software Development

• Mortgage Loan Processor

  • Aug 2006 - Feb 2008

  Assist the Loan Officer in guiding the borrower through the mortgage financing process and helping them gather required information. Per RESPA ensure fees and other data documented on the Good Faith Estimate Compile necessary financial data and order supporting documentation to complete loan file. Responsible for the submission and communication of clear accurate loan documentation for the company and its investors while maintaining industry compliance regulations.