Annette Longoria
Crowley,TX
Summary
Seasoned Modification Underwriter offering five years of modification and loss mitigations expertise. Well-versed in modification laws with success in mitigating risk and controlling loss through comprehensive analysis, policy and service delivery. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
8
8
years of professional experience
Work History
Modification Underwriter
Pennymac
Fort Worth, TX
11.2015 - 05.2022
- Analyzes loans for modification Hamp or Non-Hamp eligibility based upon lender program requirements, investor approval matrix and state and federal programs.
- Reviews customer loss mitigation packages and identifies deficiencies in requirements and generates notices to borrowers with items needed to cure deficiencies.
- Generates customer approval and adverse action notices for modifications or refer to short sales, deed in lieu or loss mitigation for forbearance plans.
- Ensures compliance with Fair Lending practices in referral of borrowers to lenders for refinances.
- Stays abreast of industry program requirements, including HAMP and GSE/Insurer requirements.
- Maintains all databases, workflows and systems by referring loans for investor approval.
- Completes modifications including escrow analysis and pro forma.
- Meets monthly workout to portfolio ratio goal.
Non Collateral Deficiency for Chrysler Capital
Santander
North Richland Hills, TX
11.2014 - 11.2015
- Assist customers with requests, questions and problems regarding any pending settlements
- Initiate contact with customers or agencies in effort to negotiate payments or to satisfy any deficiency balances
- Handles incoming call related to collateral recovery issues
- Make outbound calls utilizing dialer on skip accounts
- Review and monitor all charged off loans and small balance queues on daily basis
- Properly document all account activity on computer system
- Maintain losses at or below established guidelines for assigned job duties
- Offer or recommend settlements as circumstances warrant
- Adhere to all state laws/guidelines regarding deficiency collections
- Upon settlement, send manual updates to reflect settlements on customer credit reports
- Negotiate value and interest to adequately protect company interest in collateral.
Education
Dallas Baptist University
Dallas, TXCertificate of Completion for INS 21: General Principles -
Tarrant County Junior College
Fort Worth, TXSkills
- Office XP, Windows XP, Answering Multiple Phone Lines, Microsoft Word, Excel, Internet, WordPerfect, Lotus, First Publisher, Dbase IV, DOS, DCS, Credit Browser, Lexis Nexis, Cacs, AS400, Accurint, Debtor Discovery, Fast Data, E Port, Micro built, Fast Data and knowledge of general office equipment Windicium; Latitude, Accurint, Micro built and several other skip tools to locate customer; customer’s relatives or associates to get in contact with customer
Timeline
Modification Underwriter
Pennymac
11.2015 - 05.2022
Non Collateral Deficiency for Chrysler Capital
Santander
11.2014 - 11.2015
Dallas Baptist University
Certificate of Completion for INS 21: General Principles -
Tarrant County Junior College