Experience

American Mortgage Consultants, Inc.

• United States
• Financial Services
• 100 - 200 Employee

• Senior Analyst

  • Jun 2016 - Present

  • Reviewing loan files for completeness and accuracy. • Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. • Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors. • Manual Frontline Underwriting Conventional/Conforming loan products. • Determining and documenting loan conditions and communicating requirements and/or decisions. • Identifies portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure. • Maintains knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• (HFC) Short Sale/ (Mortgage) Loan Processor/Closer

  • Feb 2011 - Jan 2017

  Create and maintains a close communication relationship with all parties involved in the mortgage transaction to ensure timely fulfillment of documentation requirements. Answer any mortgage applicants’ questions, and return all phone calls in a timely manner and in accordance with established performance standards. Follow-up with realtors and attorneys within prescribed time frames for previously requested information in order to meet closing deadlines. Perform a variety of routine tasks associated with processing and closing mortgage loans. Completes tasks and meets all conditions associated with loan approval in accordance with GSE, PMI, FHA, USDA, DOJ and CFPB guidelines. Review all HUD-1/Closing Disclosure to ensure all items are accurate, changes of circumstance have been correctly documented, and required time frames for closing requirements can be met. Review daily pipeline reports and pipeline views to ensure files are adequately disbursed in accordance with established performance standards and timeframes Review and validate documents that support application facts. • Prepare and submit completed file for submission to Mortgage Investor that meets all guidelines of Underwriter and other investors as applicable. Assist Loss Mitigation with questions regarding Short Sale applications in process. Assist with training of new Processors/Closers. Attend job-specific training classes (Web based trainings) s required to stay compliant with Government laws and or procedures. This includes, but is not limited to, completing annual BSA/AML Compliance Training and understanding employee’s role in maintaining an effective BSA/AML compliance program, and completing TRID, ECOA, Mortgage Product and HMDA training. Show less



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Collections Team Lead

  • Nov 2005 - Aug 2010

  • Contact delinquent loan customers regarding delinquent payments and bad loan payment checks, • Ensure past due notices are mailed. • Collect monies due or obtain promise to pay and accept payments or partial payments on delinquent accounts provide customers with receipts through negotiation. • Identify unusual or critical circumstances brought to the bank’s attention about any dealer or real estate agent. • Discuss arrangements and/or problems with delinquent customers for repayment schedules and/or extensions; process modification packages as needed. • Skip trace through leads and previous contacts to affect collection of delinquent accounts. • Skip trace and locate delinquent mortgage holders, then assist mortgage holder in making decisions on how to bring a client current with their payment, assist in short sale, setup for loss mitigation or to grant an extension on the account. • Duties also include being responsible for planning, organizing and overseeing activities for a major function or unit within the Home Equity Collections Department. To recommend and implement specific procedures to ensure maximum effectiveness and efficiency of services. Show less



Citigroup

• United States
• Financial Services
• 700 & Above Employee

• Customer Service/Sales Representative

  • Mar 2002 - Aug 2005

  • Answer inbound calls in support of customer needs regarding client accounts. • Probe Client and see what credit card offers that I have to offer that might be beneficial for that client according to what was learned during the question and answer period in the beginning of the call • Top Sales representative several quarters in a row • Answer inbound calls in support of customer needs regarding client accounts. • Probe Client and see what credit card offers that I have to offer that might be beneficial for that client according to what was learned during the question and answer period in the beginning of the call • Top Sales representative several quarters in a row