Description
Qualification Summary I am an energetic personable professional experienced customer care specialist working in fast-paced environments demanding strong organizational, technical, and interpersonal skills. Trustworthy, ethical, and discreet, Committed to superior customer service. Confident and poised in interactions with individuals at all levels. I am detailed-oriented, resourceful in completing projects, and able to multi-task effectively. I am a team player that continually promotes concepts of integrity, quality, and teamwork. Other capabilities include: * Desktop Underwriter ACD Call Center Collections * Loan Processing Problem Solving Data Entry Experience Highlights Loan Processor/Loan officer * Consulted with potential borrowers regarding loan applications and concerns regarding their application process. * Entered data into Advantage while ensuring that loan information met Fannie Mae and Freddie Mac guidelines. * Reviewed and analyzed client's financial documentations such as credit reports, bank statements, IRA's, supplemental income, annuities, and evaluated property value. * Used excel to calculate front end and back end ratios and forecast clients budget for the next three years based on the type of income received. * Initiated and maintained contact with potential borrowers and underwriter until funded. * Processed VA, FHA, and Conventional loans. Underwriter Effectively communicate decisions and solutions to processors, clients, loan officers, and management regarding conditions to clear files before closing or denials. * Ability to manage time effectively to clear resubmissions by tracking missing documentation and decision up to 7 files a day . * Train less experienced underwriters, processors and loan officers in basic underwriting requirements, while acting as a second level reviewer. * Respond to post-closing, insuring and audit reviews in a timely fashion. Customer Service Representative Handled inbound/outbound calls for customers inquiring about their workout options to retain their mortgage * Provided solutions to their calls as needed based on their immediate needs, as well as educated clients on available products or services that would benefit the member and the company. * Ability to multitask and maintain high productivity. * Discussed options of home retention and liquidation such as payment plan, modification, refinance, deed in lieu, or short sale. Senior Collection Specialist * Handled inbound calls for customers inquiring about their workout options to retain their mortgage. * Provided solutions to their calls as needed based on their immediate needs, as well as educated them on other products or services that would benefit them cure their delinquency. * Discussed options of home retention and home liquidation such as repayment plan, modifications, deed in lieu, and short sales. * Handled foreclosure referral for loans that did not meet investor guidelines for assistance, or the customer was unable to make sufficient arrangements.
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