Experience

American Mortgage Network

• Financial Services
• 1 - 100 Employee

• Loan Officer

  • Aug 2023 - Present



Paramount Residential Mortgage Group Inc. (PRMG Inc.)

• United States
• Financial Services
• 700 & Above Employee

• Loan Officer

  • Mar 2023 - Present



Lennar Mortgage

• United States
• Financial Services
• 400 - 500 Employee

• Senior loan Processor/ Financial Consutant

  • Jan 2021 - Feb 2023

  Administrate the mortgage loan Process. Manage a 50+ pipeline. Perform a credit analysis to determine credit worthiness. Document findings, impact, and decision. Perform income evaluations / calculations for employer earned and self employment earnings. Assure the loan remains in compliance with the laws and regulations of the mortgage industry and product type. Maintain the accuracy of the loan application by obtaining, analyzing, and validating the documentation of assets, income, credit, explanation letters, source funds, payoffs, and Etc. Accurately update CRM / LOS to maintain an accurate AUS (DU/LP) decision. Balance the loan by updating the closing prep, lender, and 2015 itemization accordingly to maintain the accuracy of the Loan estimate / closing disclosure. Strong knowledge of Conventional, FHA, VA, USDA, and some Jumbo loans. knowledge of construction, 1st mortgage, 2nd mortgage, and investment properties. Outstanding organizational, prioritization, and time management skills. Send, order, and receive required disclosures, HOI, PMI, appraisal, case numbers, CAIVRS, MERS reconciliation,and Etc. Provide the LO, OPS and VP with a synopsis concluding any red flags, restructure, or decisioning suggestions. Administer the closing process along with the collection of cash to close including payoffs and sale of real estate. Build trust and maintain relationships with all stakeholders (internal and External) Display great interpersonal skills, Clear and effective communications, the ability to collaborate directly with the stakeholders (internal and external) to streamline the process and perform our completion of due diligence. Collaborate with Sr. Underwriters and risk to mitigate through the loan conditions and acquire the necessary documents to clear conditions and comply with product guidelines. Perform title research and analysis to evidence titles are free and clear. Complete required regulatory courses by required deadlines. Show less



USAA Federal Savings Bank

• United States

• Bank operations/ Executive Resolutions Sr.

  • Apr 2014 - Jan 2021

  Executive Resolutions: Address and Resolve complaints. Complete ERT / manager call backs. Respond to member feedback tool entries and Member satisfaction surveys. Perform quality assurance call monitoring’s. Mentor and coach representatives to success. Rotationally lead team meetings. Manage teams in the absence of managers, or step in and help coach a manager’s team to success. POC for Compliance, technical, and deepening / product referrals. Created many PowerPoint presentations, team games, and lesson plans to support the department’s growth and ability to meet SLA/ company goals/ metrics. Analyzed and monitored all three components of the department metrics. Identify trends and patterns of compliance and technical errors, strategically created solutions that comply with banking laws and regulations, also adhere to company policy and procedure. Create reports, document my findings and solutions moving forward. Effectively communicate and present weekly in team meetings, monthly in department meetings, and quarterly in one on one with VP. Provide helpline assistance to representatives handling complex, compliance, or empowerment-based issues, to minimize compliance and technical errors. Take live manager escalations for Complex Retail bank, Consumer lending, Credit Card Servicing and Acquisitions. Underwriting / Originations - Evaluate loan applications assigned to my portfolio, confirm application is complete, and all required docs are in house and have been validated. Process Credit Analysis to create reports and document findings, impact, and decisioning. Request property appraisal and research real estate Comps. Create application progress / status letters, provide to members via delivery preference. Work side by side with the loan officer throughout the process, before and after the loan applications decisioning process. Perform Title searches: Liens, owners, loans, judgements, etc Show less



HSBC Bank US

• Brandon, Florida, United States

• Single POC/ Mortgage Originations and Servicing

  • Feb 2011 - Mar 2014

  Review and, confirm the completion and the accuracy of the URLA (1003), and all required disclosures. Validate and confirm all required documents are in house. Perform credit analysis, create report and document findings. Obtain property appraisal. Research and document Real Estate Comps Title research: Title commitment and Title insurance. Use AUS: Desktop Underwriter (Fannie Mae) and Loan Product Advisor (Freddie Mac) as assistance in the decision-making process (optimization). *SPOC/ Mortgage Servicing Specialist Loss Finances: Debt to income calculation. Foreclosure avoidance programs. Loss mitigations: Modifications, Restructures, Refinance, and Determine qualification for Deed in Lieu / short sale programs and initiate process. Process mortgage loan applications, request required documents and provide turnaround timeframe (three business days). Analyze and process escrow (taxes) and Ancillary (force place insurance) spreads (12 months, 36 months, or 60 months). Manually process foreclosure reinstatements. Monitor foreclosure timelines, sale date, and correspond with attorneys. Manually Amortized loans. Educate member on mortgage loans: Conventional, HELOC, FHA, USDA, VA. Adhere to company policy and procedure also ensure we comply for banking / consumer lending regulations. (ECOA and FHA) Show less



Alorica

• United States
• Outsourcing/Offshoring
• 700 & Above Employee

• Business development and Marketing Consultant

  • Feb 2009 - Jan 2011

  American Express Business development portfolio / Corporate sales Take inbound and outbound calls for current clients and prospects. Secure appointments with Owner, CEO, CFO, COO, Comptroller, Executive accountants, legal counsel or whomever handles the company’s financial decisions. Place Outbound calls to American Express prospects or existing clients to review and evaluate a new or existing relationship, with opportunity to grow in the Amex Corporate program. Confirming the Client or prospect qualify for the corporate program by making sure that they fall somewhere in our 4 million – 2-billion-dollar Gross Annually Revenue. Meet required quality points by obtaining or confirming the GAR (gross annual revenue), EBE (everyday business expenses), Travel cost, and method of payments for current or prospects. Evaluate and discuss Supply chain finance, Global trade products, Charge card / black card, letters of credit / bank guarantee and merchant services. Microsoft Business development portfolio / Corporate sales Provide customer service to current Microsoft advertisers. Setup Search engine (optimization) for new clients via Bing, Yahoo, MSN, and all Channels. Make outbound calls to current clients or new clients that have issued a services request. Review digital display advertising, with clients that met the required advertising budget of $10,000 - $20,000 quarterly. Bing Pay per click business development. Show less



APAC / UPS

• Tampa, Florida, United States

• Sr. Strategic Support

  • Nov 2004 - Dec 2009

  Strategic Support Senior Manage Supply chain solution accounts. One call resolution department. Provide a concierge Service. Manage claims, billing /accounts receivable, shipping, and tracking discrepancies for supply chain solutions. Take Escalated calls, and email correspondence. Take calls form customer service representatives as a lifeline to mitigate the risk of compliance errors and ensure representatives adhered to company policy and procedure. Quality assurance call reviews, coach and mentor a representative to success. Facilitate Claims Process claims for missing and damaged items. Investigate claim for beginning to end. Process all temporary for permanent reimbursements. Create progress letters to customers throughout the claims process with, claim status updates. Resolve claim within the allotted timeframe given. Billing / Accounts receivable Answer billing / invoice inquiries. Resolve any billing discrepancies and potential errors. High volume payment processing. Document all completed payments via excel spread sheet. Complete and process payment in the allotted timeframe provided. Assist supply chain shippers with transferring billing and payment history from our accounting platform to the system members with quicken inquiries Shipping Take calls in fast pace call center environment. Service residential, commercial, international, and bulk / freight. Gather shipping details such as shipping / delivery address and contact information. Collect package details such as item description, weight, dimensions, a special instruction. Probe and use active listening skills to determine what would be the best shipping method. Tracking representative Take calls in fast pace call center environment. Service residential, commercial, international, and bulk / freight. Confirm location of packages. Provide shipping and delivery details. Process address changes. Process hold request for scheduled pick-ups or delivery. Show less