Angela Correira
Palm Bay,FL
Summary
Extremely authentic and versatile business professional with 16+ years industry experience. A passionate polymath who is always learning and has an eternal growth mindset. Equally good with numbers, words, data, communication and people. A "glass half-full" human potential expert who loves all people and whose greatest passion is helping other humans grow and evolve into the best version of themselves. Currently seeking a position within a company that fosters growth; where culture, values and vision align with mine.
Overview
16
16
years of professional experience
Work History
Career Break
PERSONAL SABBATICAL
08.2022 - Current
- I took time off for personal, spiritual and business growth.
- During this hiatus, I had the privilege of being a full-time parent and spent the majority of my time working on personal endeavors such as (but not limited to): building a life coaching brand, doing business consulting, writing, speaking and learning/expanding on current skillsets.
- I am excited to re-enter the workforce newly invigorated and with a fresh perspective.
Compliance Underwriter
CLAYTON
07.2015 - 08.2022
- Compliance review of mortgage loans for a multitude of banking & servicer institutions post close (from time of origination) for accuracy of all loan components start to finish.Data entry of all loan inputs
- Accurately record data and complete a review to make sure loan met key government/institutional compliance points, all originations processing and underwriting was completed properly; as well as that the loan was properly disclosed in a timely fashion.
- High familiarity with critical compliance mortgage & mortgage underwriting documents including (but not limited to): Note, Mortgage, TIL, Right of Rescission, HUD, Loan Estimate, Closing Disclosure,Title, income documents, CBR, loan modification documents, MI documents, 1003, AUS results, underwriting approvals, etc.
- Run financial calculations including income, DTI and LTV.
- Review of payments to assess if loan is performing vs nonperforming.
Loss Mitigation Underwriter
WINGSPAN
07.2014 - 07.2015
- Review and analyze borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses and determine proper loan resolution.
- Review for red flags (potential fraud)
- Review the recommended foreclosure prevention alternative offered to the homeowner; to ensure all investor/insurer guidelines were followed.
- Analyze delinquency, perform escrow analysis, analyze modification scenarios, proposals and recommend appropriate loan workout.
- Maintain responsibility for timely and accurate database maintenance, as well as, updates and corrections in all related systems as applicable.
- Obtain all third-party approvals, including investor and mortgage insurance company approvals.
- Maintain up-to-date knowledge of relevant default practices effecting loan servicing decisions.
- Analyze financial statements, conduct income calculations and wage determinations.
- Review: proof of occupancy documentation, tax returns, credit reports, home appraisals, title searches and other documents to evaluate a pre-foreclosure remedy.
Loan Processor
SPACE COAST CREDIT UNION
03.2013 - 04.2014
- Coordinated with internal and external clients to move the loan application from inception to closing.
- Responsible for reviewing loan applications (FNMA & FHLMC) for completeness and accuracy, verification of supporting income, and asset and liability documentation.
- Set up of files and order all necessary exhibits for appraisals, credit reports, credit supplements, etc.
- Lock rates according to policy and maintain line of communication with borrowers regarding length of lock, expiration, etc.
- Issue proper disclosures as required by federal regulatory compliance agencies.
- Order and review title insurance, appraisals, loan payoffs, surveys, and flood and tax certificates.
- Obtain, review and request further documentation from the borrower as needed to support and fulfill underwriting loan conditions.
- Communicate and coordinate with the loan officer, buyers, sellers, title companies, escrow agents and real estate agents to obtain additional documentation, complete loan submissions and schedule closings.
- Maintain written communication in system of record of file updates and customer contact made daily.
- Extensive knowledge of FNMA and FHLMC guidelines.
- Junior Underwriting training received. Ability to review a loan file in underwrite submittal. Review loan for applicant eligibility and credit worthiness: including income calculations, DTI, LTVs, real estate appraisals amd providing loan conditions as needed.
- Approval to process & underwrite simple Non QM refinances without submitting to the underwriting department.
Corporate Trainer
CHASE
05.2011 - 02.2013
- Author and update procedures, job aids, memorandums and general communications for audiences greater than 200.
- Organize and facilitate new hire trainings and ad hoc training per business needs.
- Create and conduct business meetings and training with use of Power Point, etc.
- Lead business meetings/calls and maintain/distribute minutes for said meetings.
- Maintain department intranet share site where all documents intrinsic to process are housed.
- One-on-one evaluations and training sessions with reps to increase employee's self-efficacy and production.
- Process research that entails being resourceful and communicating with a multitude of lines of business within the company.
- Investigation and resolution of issues effecting the department.
- Project management assistance to numerous projects for proprietary system upgrades and projects for external partnerships (FHA, FHLMC and private banks and firms).
Loss Mitigation Underwriting QA
CHASE
03.2009 - 05.2011
- Review of the loss mitigation underwriters file(s) for accuracy.
- Responsible for the review of loss mitigation loan modifications given to borrowers experiencing financial distress.
- Review and analysis of borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses and determine proper loan resolution.
- Analyze delinquency, perform escrow analysis, analyze modification scenarios and proposals and recommend appropriate loan workout.
- Maintain up-to-date knowledge of relevant default practices and investor guidelines/conditions (FNMA, FHLMC, Asset and Private)
- Approve file or send back to Underwriter for correction as needed.
Executive Response Specialist
CHASE
08.2008 - 03.2009
- Handled escalated customer complaints and/or questions referred to the department from executive management; via phone and written correspondence.
- Took ownership of borrowers issue(s) and provided professional resolution while maintaining focus on the companies needs.
- Analyzed, researched and/or sought out facts and information required to resolve problems.
- Assumed acting management duties in order to assist management team during times of need.
- Helped train newly hired associates and conducted side-by-sides as requested by management.
- Top Team Performer 2009.
Education
Bachelor Of Arts - Communication Studies
UNIVERSITY OF CENTRAL FLORIDA
Orlando, FL08.2008
Minor - Business Administration And Management
UNIVERSITY OF CENTRAL FLORIDA
Orlando08.2008
Skills
Business Analysis
Coaching (Business/Executive & Personal)
Change Management
Conflict Resolution
Copy editing
Copywriting/writing
Critical Thinking
Communications (internal & external)
Credit/Financial Analysis
Critical Thinking
Customer Service
Data Analysis
Data Entry
Employee Engagement
Employee Training
Financial Analysis
Financial Audits
Financial Services
Government Loans
High EQ
High Integrity & Ethics
Keynote/Motivational Speaking
Leadership (Transformational)
Leadership Development
Loss Mitigation
Marketing
Microsoft Office
Mortgage Banking
Mortgage Processing
Mortgage Underwriting
Organizational Development
Performance Management
Problem Solving
Project Management
Proofreading
Public Relations
Quality Assurance
Quality Management
Real Estate transactions
Recruiting
Research
Speech Writing
Spreadsheets
Strategic Communications
Talent Management
Team Building
Time Management
Training & Development
Writing
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Career Break
PERSONAL SABBATICAL
08.2022 - Current
Compliance Underwriter
CLAYTON
07.2015 - 08.2022
Loss Mitigation Underwriter
WINGSPAN
07.2014 - 07.2015
Loan Processor
SPACE COAST CREDIT UNION
03.2013 - 04.2014
Corporate Trainer
CHASE
05.2011 - 02.2013
Loss Mitigation Underwriting QA
CHASE
03.2009 - 05.2011
Executive Response Specialist
CHASE
08.2008 - 03.2009
Bachelor Of Arts - Communication Studies
UNIVERSITY OF CENTRAL FLORIDA
Minor - Business Administration And Management
UNIVERSITY OF CENTRAL FLORIDA
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