Experience

Birchwood Credit Services

• United States
• Financial Services
• 1 - 100 Employee

• Mortgage Investigator

  • Dec 2021 - Present



Milinkovic house

• Stay-at-Home Parent

  • Sep 2014 - Dec 2021



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Research/Remediation Analyst

  • Jun 2014 - Sep 2014

  Part of the HOA Claims Department for REO Freddie Mac and Fannie Mae propertiesResponsibilities include: -Distributed daily work to team members -Attended/presented change meetings -Part of the process change/improvement team -Analyze incoming data and provide improvement solutions -Trained new team members -Internal auditor for the team (reviewed daily work and presented coaching opportunities) -Ran different reports to show trending

• Loan Adjustor/Negotiator

  • Jan 2014 - Jun 2014

  Evaluating the short sale offers received and making a decision with the best interest of the Investor, mortgage insurer, and Wells Fargo recommending to accept or decline the offer. Liaison between the Investor, Mortgage Insurer and the authorized 3rd parties throughout the process to make sure all documents are received and decision is made in timely manner. Responsibilities include: -Reviewing of short sale documents -Negotiating short sale offers compared to appraisals-Negotiating/reviewing HUD1 net and fees-Running Auto Cost Analysis and recommending workouts -Reviewing homeowner financials and doing income calculations-Quality reviews of peer files prior to approval, ensuring HAFA and federal guidelines are met, and the result is in the customer’s best interest

• Loan Adjustor - Processor/Set Up

  • Jul 2011 - Jan 2014

  Reviewing the file and all documents before passing to the HAFA negotiations team, to ensure all HAFA requirements are met. Responsibilities include: -Processing HAFA short sales and HAFA Deed and Lieu in Equator and outside of Equator; -Review of mortgage documents such as: purchase contacts, listings, HUD1s, proof of funds, and pre-approval letters -Review of LLC Documents, Trust Documents, and Corporation documents for buyers-Review of financial documents for borrowers -Review of escalated files -Communicating with agents, attorneys, SPOCs, and homeowners via email and phone calls-Managing a full pipeline up to 80 loans while remaining in compliance with NSS, RECOR, OCC, and QA policies and procedures -Coaching new team members on processing and file review -Completing active and non-active GEMS (part of the set up team)

• Loan Servicing Specialist 1 & 2 – Call center representative

  • Aug 2009 - Jul 2011

  Took inbound and made outbound calls in the call center -Liquidation calls -Collection calls -Escalated calls -FHA Borrower Verification Calls -Made different types of outbound calls - Participated in multiple special projects