Aerial Smith

• Review borrower financial documents to assess risk and determine eligibility for Loan Modifications, Deferment, Partial Claim, Short Sale or Deed in Lieu.
• Collaborate with clients to communicate loss mitigation options and facilitate understanding of processes.
• Analyze credit reports and income statements to evaluate potential impact on underwriting decisions.
• Streamline the underwriting process, resulting in faster decision-making and timely loss mitigation resolutions.
• Review, analyze, and underwrite Conventional, VA, and FHA loans, ensuring compliance with financial institution requirement.

• Handled multiple mortgage products that are 60+ days delinquent, as governed by investor, departmental and legal guidelines.
• Reviewed Mortgage Assistance application, input income and expenses into the system, review the investor matrix and waterfall to determine which options is best for the Homeowner Monitored pipeline by communicating with underwriters and processors
• Prepared complete and accurate call notes and written documentation and updated customer files in system.
• Took inbound calls and called out to borrowers with delinquent accounts to pursue payments and negotiate repayment plans.

• Reached out to borrowers with delinquent accounts to pursue payments and negotiate repayment plans.
• Prepared complete and accurate call notes and written documentation and updated customer files in system.
• Calculated initial payment plans and repayment schedules for delinquent customers to bring loans current.
• Delivered targeted counseling on clients' specific problems such as overspending to help resolve ongoing difficulties

Minimize losses on accounts that are identified as impounds, total loss or substitution of collateral Responsible for expired loans and other small balance accounts Communicate with customers, insurance agents, repossession agents and other outside agencies. Contacted borrowers to obtain and clarify information and documentation related to liens and judgments.