Experience

SAFE FEDERAL CREDIT UNION
• United States
• Banking
• 1 - 100 Employee
• Mortgage Loan Closer

  • Sep 2022 - Present


Caliber Home Loans

• United States

• Purchase Review Auditor

  • Jul 2013 - Dec 2022

• Valuations Coordinator

  • Feb 2019 - Jul 2022



JPMorgan Chase

• United States
• Investment Management

• Operations Supervisor

  • Dec 2009 - Jun 2013

  Responsible for assisting with the development and operational strategies and procedures for the process flow of the loan modification. Ensured regulatory and agency compliance by managing internal and external audits Utilized internal resources and investor specific tools which ensured Treasury and OCC audit requirements were being followed Assisted in establishing departmental goals to meet investor/government requirements. Monitored Underwriting workout performances and reviews… Show more Responsible for assisting with the development and operational strategies and procedures for the process flow of the loan modification. Ensured regulatory and agency compliance by managing internal and external audits Utilized internal resources and investor specific tools which ensured Treasury and OCC audit requirements were being followed Assisted in establishing departmental goals to meet investor/government requirements. Monitored Underwriting workout performances and reviews high risk, severely delinquent portfolios and accounts for Loss Mitigation modifications. Established operational policies and made recommendations for production/service improvements. Show less Responsible for assisting with the development and operational strategies and procedures for the process flow of the loan modification. Ensured regulatory and agency compliance by managing internal and external audits Utilized internal resources and investor specific tools which ensured Treasury and OCC audit requirements were being followed Assisted in establishing departmental goals to meet investor/government requirements. Monitored Underwriting workout performances and reviews… Show more Responsible for assisting with the development and operational strategies and procedures for the process flow of the loan modification. Ensured regulatory and agency compliance by managing internal and external audits Utilized internal resources and investor specific tools which ensured Treasury and OCC audit requirements were being followed Assisted in establishing departmental goals to meet investor/government requirements. Monitored Underwriting workout performances and reviews high risk, severely delinquent portfolios and accounts for Loss Mitigation modifications. Established operational policies and made recommendations for production/service improvements. Show less



Wal-Mart

• United States
• Financial Services

• Assistant Manager

  • Jan 2008 - Dec 2009

  Responsible for the daily operations of a 24 hour Supercenter to include staffing, payroll and Training. Analyzed profit and loss statements which identified departments with excessive profit/loss. Managed a crew of 30 front end cashiers and 45 overnight stockers with a reduction in employee turnover of 30% Tracked inventory reports and implemented processes which reduced loss and increased profitability Responsible for the daily operations of a 24 hour Supercenter to include staffing, payroll and Training. Analyzed profit and loss statements which identified departments with excessive profit/loss. Managed a crew of 30 front end cashiers and 45 overnight stockers with a reduction in employee turnover of 30% Tracked inventory reports and implemented processes which reduced loss and increased profitability



Washington Mutual

• United States
• Insurance

• Real Estate Tax Specialist

  • Jan 2007 - Jan 2008

  Responsible for ensuring timely payment of property taxes and researching delinquent tax issues. Established relationship with tax office personnel which ensured accurate tax information was received Ensured customer escrow balances maintained sufficient funds to cover yearly taxes Reduced tax lien notices by researching delinquent tax information. Responsible for ensuring timely payment of property taxes and researching delinquent tax issues. Established relationship with tax office personnel which ensured accurate tax information was received Ensured customer escrow balances maintained sufficient funds to cover yearly taxes Reduced tax lien notices by researching delinquent tax information.



Verizon Wireless

• United States
• Retail
• 1 - 100 Employee

• Financial Services Team Lead

  • Jan 2005 - Jan 2007

  Responsible for negotiating payment on severely delinquent Government accounts. Monitored bill collection and disbursement of funds to Multi-line Government accounts Maintained balance sheets to track account status Provided a high level of customer service reducing customer loss. Responsible for negotiating payment on severely delinquent Government accounts. Monitored bill collection and disbursement of funds to Multi-line Government accounts Maintained balance sheets to track account status Provided a high level of customer service reducing customer loss.



Citi

• Mexico
• IT Services and IT Consulting
• 100 - 200 Employee

• Branch Manager

  • Jan 2002 - Jan 2005

  Responsible for customer retention, developing new business and managing the branch Personal loan and Real Estate portfolio to increase profitability. Planned strategies to develop and Market the business’s services in the community Increased branch portfolio 28% utilizing sales of insurance and personal loan products Developed individual goals for each employee which ensured monthly production goal met Increased Real Estate portfolio by developing a refinance solicitation program… Show more Responsible for customer retention, developing new business and managing the branch Personal loan and Real Estate portfolio to increase profitability. Planned strategies to develop and Market the business’s services in the community Increased branch portfolio 28% utilizing sales of insurance and personal loan products Developed individual goals for each employee which ensured monthly production goal met Increased Real Estate portfolio by developing a refinance solicitation program which reached homeowners in a 60 mile radius of the branch. Ensured quality files submitted to Underwriting to expedite closing times Show less Responsible for customer retention, developing new business and managing the branch Personal loan and Real Estate portfolio to increase profitability. Planned strategies to develop and Market the business’s services in the community Increased branch portfolio 28% utilizing sales of insurance and personal loan products Developed individual goals for each employee which ensured monthly production goal met Increased Real Estate portfolio by developing a refinance solicitation program… Show more Responsible for customer retention, developing new business and managing the branch Personal loan and Real Estate portfolio to increase profitability. Planned strategies to develop and Market the business’s services in the community Increased branch portfolio 28% utilizing sales of insurance and personal loan products Developed individual goals for each employee which ensured monthly production goal met Increased Real Estate portfolio by developing a refinance solicitation program which reached homeowners in a 60 mile radius of the branch. Ensured quality files submitted to Underwriting to expedite closing times Show less



United States Army Reserve

• United States
• Armed Forces
• 700 & Above Employee

• Motor Transport Operator/Cargo Specialist

  • Jan 1993 - Jan 2001

  Responsible for transporting Jet Fuel and facilitating and tracking the movement of Military and Civilian Cargo to Military bases. Received award for facilitating shipment of Military Vehicles back to state after Operation Desert Storm. Awarded medallion for logging over 10,000 accident free miles. Received Honorable Discharge Responsible for transporting Jet Fuel and facilitating and tracking the movement of Military and Civilian Cargo to Military bases. Received award for facilitating shipment of Military Vehicles back to state after Operation Desert Storm. Awarded medallion for logging over 10,000 accident free miles. Received Honorable Discharge