MORTGAGE BANKING FORECLOSURE SPECIALIST Summary Ambitious, self-motivated professional passion quality work. Seeking baseline opportunity Underwriting, Lending, Auditing, Quality Assurance, Analyst roles. Possess large spectrum experience financial industry. I fast learner values employer. Personal characteristics: detail-oriented, thorough, computer-savvy, loyal, persistent, adaptable, eager learn. Accomplishments *Sharepoint, Early Resolution, FHA Connection, DOS LPS, MSP, CREDCO, RELS, Microsoft Word, Outlook, Live Meeting, Excel, Powerpoint, SLOAD, DAT various programs 3 years Default Servicing 3 years Loss Prevention/ Loss Mitigation 7 years Mortgage Loan Processing/Mortgage Banking 3 years Underwriting/Lending 3 years Risk Management/ Analysis 3 years Compliance/Quality Assurance 10+ years Loan Operations/ Operations Experience Experience Mortgage Banking Foreclosure Specialist 01/2014 Current Company Name City State Foreclosure Department Maintained beneath 3% error ratio searches performed *Service member Civil Relief Act (SCRA) *Use industry mainframes; (LPS, MSP, Vendorscape, Lenstar, ResWare Lotus) efficiently communicate internal clients. *Review cases milestones requested clients ensure proper procedures industry guidelines used. Consumer Underwriter II 10/2011 12/2013 Company Name City State Home Preservation Exceeded monthly production goals adhering minimum 5% error ratio Maintained high level production maintained high quality standards Restructured delinquent consumer mortgage loans accordance company, FHA, industry guidelines using house underwriting software Maintained quality control standards maintaining production standards company's definition Analyzed applicants' financial status, credit property evaluation determine feasibility granting loan. Performed final approvals reviews entire loan file verifications processes, including adherence multiple investor guidelines Maximized quality verifying underwriting conditions approval requirements met Built knowledge latest banking products services Analyzed customer credit history order determine customer willingness pay affordability various payment plan options. Provided meticulous attention detail underwriting mortgages. Evaluated financial strengths weaknesses borrowers determine risk repayment capacity Loss Prevention environment. Conducted peer reviews fellow teammates, offering methodology logic income cash flows prior recommendation resolution/modification. Analyzed income documentation consisting of: paystubs, Profit Loss statements, tax transcripts, personal business Federal State Tax Returns, Rental income, S-Corps, Schedule C, 1120S, K-1's, personal business bank statements, LES Military paystubs, W2's, 1099's, fixed income sources, etc. Loan Document Specialist II 08/2008 01/2010 Company Name City State Mortgage Loan Operations Maintained 5% error rating booking 50+ loans daily Booking review conventional, F.H.A. V.A. loans Data entry functions including booking review recorded security instruments Reviewed documentation errors omissions security documents Performed daily maintenance loan applicant database. Loan Processor 04/2003 08/2008 Company Name City State Mortgage Lending Services Corresponded customers, management, title companies, respond inquiries Interpreted company policies analyzing applicant, property, documentation minimize need subsequent follow ups borrowers Verified validated supporting income, asset, liability documentation ensure validity Clears Title exceptions errors Successfully maintained minimum volume 30+ loan packages daily errors Education Associate Science Business Administration Auburn University Montgomery City State Skills Loans, Mortgage, Documentation, Lending, Liability, Loan Processor, Mortgage Lending, Processor, Ups, Underwriting, Fha, Foreclosure, Cash, Credit, File, Financial Statements, Fixed Income, Mortgage Loans, Quality Control, State Tax, Tax Returns, Team Lead, Banking Loan, Data Entry, Loan Operations, Mortgage Loan, Operations, Security, Cases, Clients, Mortgage Banking, Audits, Bankruptcy, Fannie Mae, Internal Audits, Nss, Production Environment, Sales, Solutions, Telephone, Ambitious, Articulate, Auditing, Closing, Credit Analysis, Detail-oriented, Dos, Excel, Fast Learner, Loan Closing, Loss Mitigation, Loss Prevention, Microsoft Sharepoint, Mitigation, Outlook, Pipeline, Powerpoint, Problem Solver, Quality Assurance, Reviewing Financial Statements, Risk Assessment, Risk Management, Sharepoint, Trading, Word, Real Estate, Real Estate Analysis