Ani Bazikyan
Palmdale,USA
Summary
Detail-oriented junior loan processor with a solid foundation in mortgage lending and regulatory compliance, eager to leverage strong organizational skills within a wholesale lending environment or as a call center support specialist in mortgage servicing. Proven ability to manage multiple tasks in a remote call center setting, analyze financial hardships, and negotiate delinquent accounts to achieve positive outcomes.
Overview
17
17
years of professional experience
Work History
Call Center Representative
Loan Depot
08.2025 - 11.2025
- Resolved complex inquiries regarding loan status, payments and escrow.
- Managing high call volumes negotiated payment plans, including hardship options leading to a 15% reduction in early state delinquencies.
- Identify large amount of inbound and outbound calls in timely manner identifying customers needs to clarify information, collect process ACH payment, payment history, payoff statements, escrow analysis.
- Managed high call volumes while maintaining quality assurance standards.
- Utilized CRM systems to track customer interactions and streamline service processes.
- Managed a high volume of calls daily, maintaining composure under pressure while providing exceptional service.
- Managed high call volumes while maintaining service level agreements and quality standards.
- Resolved customer inquiries through effective communication and problem-solving techniques.
Call Center Specialist
LongBridge Financial
03.2024 - 03.2025
- Generated sales for reverse mortgage loans through 50 to 80-daily calls using a dialer system.
- Scheduled follow-up appointments and completed intake sheets for loan originators across 50 states.
- Managed high-volume pipeline with weekly follow-up calls to potential borrowers.
- Managed high-volume inbound calls, addressing customer inquiries and resolving issues efficiently.
- Analyzed client financial needs to recommend suitable reverse mortgage options.
- Educated clients on reverse mortgage processes and benefits, enhancing understanding and trust.
- Assisted clients in understanding reverse mortgage options, enabling them to make informed decisions regarding their home equity.
- Enhanced customer satisfaction by providing tailored reverse mortgage solutions to meet their unique financial needs.
Call Center Support Specialist
Rocket Mortgage
09.2022 - 02.2023
- Executed high-volume outbound calls to current clients and prospects for relationship building.
- Facilitated discussions on refinance, purchase, and home equity line of credit options.
- Assisted clients with mortgage product inquiries while gathering financial information for lead generation.
- Facilitated loan application process by gathering and verifying necessary documentation from applicants.
- Assisted loan officers in gathering borrower information, maintaining organized files and records.
- Coordinated communication between clients and financial institutions to facilitate timely loan approvals.
- Reviewed credit reports and financial statements, identifying potential issues for resolution.
- Answered inquiries and provided superior customer service to clients.
- Communicated with customers daily to request information and complete paperwork.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
Loan Processor
Amerihome Mortgage
10.2020 - 11.2021
- Streamlined loan processing by providing timely support to loan officer and underwriting teams.
- Reviewed and verified borrowers' income, credit reports, employment histories, and property appraisals for loan applications.
- Ensured compliance with company policies and underwriting guidelines throughout the loan process.
- Managed high volume of approved loans and urgent restructuring files while assisting borrowers in documentation collection.
- Ordered and evaluated third-party services including appraisal reports and verifications of income and employment.
- Updated internal support staff, borrowers, and loan officers to facilitate timely file closings.
- Processed loan applications, ensuring compliance with underwriting guidelines and regulatory requirements.
- Reviewed financial documents for accuracy, identifying discrepancies and resolving issues promptly.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
Loss Mitigation Specialist
Expert Legal Group, Inc
12.2016 - 09.2020
- Directed phone calls and organized meeting rooms for optimal workflow. updates.
- Assisted attorney with new cases, photocopying, and faxing tasks.
- Responded to emails from clients, providing weekly updates on case status.
- Negotiated loan modifications, short sales, and repayment plans to avert foreclosure.
- Analyzed financial documents and conducted interviews to evaluate borrower eligibility for loss mitigation.
- Collaborated with underwriters, attorneys, and real estate agents to enhance loan workout processes.
- Managed a portfolio of delinquent loans, consistently exceeding foreclosure prevention targets.
- Prepared documentation and correspondence for filing to maintain accurate records.
- Negotiated with mortgage servicers to secure favorable loan modifications for clients.
- Analyzed borrower financial situations to develop effective loss mitigation strategies.
- Facilitated communication between clients and lenders to streamline resolution processes.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
Junior Loan Processor
Unified Legal Network
08.2014 - 10.2016
- Gather and verify documents in loan files, such as credit reports, loan applications, and financial statements are current and accurate.
- Review all loan applications and disclosures for discrepancies and regulatory compliance.
- Prioritize, track and manage the loan underwriting process in order to meet deadlines and ensure timely submission to the team for approval.
- Type loan proposals and submit to loan officers to ensure the documents are collected for review and sign off requirements to meet loan approval decision.
- Process consumer loan applications, ensuring compliance with regulatory requirements and internal policies.
- Review financial documents for accuracy, completeness, and adherence to underwriting guidelines.
- Maintained accuracy in data entry, ensuring error-free loan applications for faster approvals.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Handled any conditions sent from underwriting departments.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
Loss Mitigation Specialist
Countrywide / Bank of America
03.2012 - 06.2014
- Successfully collected on delinquent mortgage loans 1-90 days past due handling both inbounds and outbound calls with borrowers and authorized third parties.
- Effectively offered short sales, loan modifications and other workout options in order to resolve delinquencies and mitigate losses to the bank.
- Reviewed and recommended work out options based on compliance and applicable regulatory requirements such as the recent CFPB guidelines.
- Conducted credit reviewed on single family and multi-family loans based on investor portfolio and repayment ability calculations.
- Managed volume of high touch loans with management to assure in compliance with various consumer, state, and local laws while adhering to regulatory timelines and investor guidelines.
- Responded and coordinated Audits performed by compliance such as FDIC, CFPB, Fannie Mae and Freddie Mac.
- Reviewed loan modification packages for accuracy, evaluating and ensuring documents are accurate, complete, reviewed financial statements, credit reports, applicable ratios, loan to value requirements for U.S. Treasury HAMP Modification Program as well as any other state or investor approved in-house modification programs based on Servicing Agreement.
- Monitored asset management reports including property valuations, property inspections, and risk monitoring.
- Analyzed client financial situations to determine eligibility for loss mitigation options.
Loan Processor
Countrywide Home Loans
05.2009 - 03.2012
- Setting up loan files, verifying borrower data.
- Reviewed and verified borrower credit, income and assets, ensuring accuracy and completeness.
- Acted as a liaison between brokers, loan officers, and underwriters facilitating clear communication.
- Entering borrower and loan information in customer management software producing all documents needed for disclosures to be sent.
- Calculate income, review bank statements verify W’2s, tax returns, VOE’s.
- Review all data on the URLA 1003 application and process credit package income assets title and purchase contract documentation.
- Request conditions requested by the underwriter to the borrower and sales team.
- Review and input incoming documents with file.
- Processed mortgage loan applications by verifying documentation and ensuring compliance with industry regulations.
- Collaborated with underwriters to facilitate timely loan approvals and address any outstanding issues or requirements.
- Managed pipelines consistently, prioritizing tasks efficiently to meet tight deadlines without compromising quality or customer service levels.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Education
Associates Degree - Accounting And Finance
Glendale Community College
Glendale, California, CA04-2006
High School Diploma -
Glendale High School
Glendale, CA06.1998
Skills
- Understanding of residential lending compliance
- Understanding lending compliance regulations
- Credit Analysis & Income verification
- Collections experience
- Strong skills in Microsoft Office, Typing 50 WPM, Calyx Point, DocuSign, CRM Tools, BlackKnight
- Call center customer service
- Knowledge of RESPA CFPB regulations & Fair Debt Collection Practices Act
- Mortgage lending retail & wholesale
- Understanding of TRID regulations
- Friendly, positive attitude
Timeline
Call Center Representative
Loan Depot
08.2025 - 11.2025
Call Center Specialist
LongBridge Financial
03.2024 - 03.2025
Call Center Support Specialist
Rocket Mortgage
09.2022 - 02.2023
Loan Processor
Amerihome Mortgage
10.2020 - 11.2021
Loss Mitigation Specialist
Expert Legal Group, Inc
12.2016 - 09.2020
Junior Loan Processor
Unified Legal Network
08.2014 - 10.2016
Loss Mitigation Specialist
Countrywide / Bank of America
03.2012 - 06.2014
Loan Processor
Countrywide Home Loans
05.2009 - 03.2012
Associates Degree - Accounting And Finance
Glendale Community College
High School Diploma -
Glendale High School