Carmelita Nunez
Katy,TX
Summary
Developed strong organizational and analytical skills in fast-paced financial services environment. Demonstrates expertise in managing client accounts and handling complex financial transactions with precision. Seeking to transition into new field where these transferable skills can contribute to operational efficiency and client satisfaction.
Overview
12
12
years of professional experience
Work History
Research Specialist
Assurant Insurance
01.2024 - Current
- Research and Resolve loan level Escrow insurance inquiries though tasks, fax, reports and correspondence
- Conduct root cause analysis and Quality Control of complex inquiries and research
- Handle customer inquiries in hazard insurance, mortgage banking and property loss
- Research and respond to customer inquiries and prepare responses to customers and clients
- Recognize standard procedures and policies and conduct escrow analysis, ensuring all customers are adequately insured (Homeowners, Condo master and unit owner, Flood, Flood gap, Wind and etc)
Servicing Specialist
Innovative Emergency Management
10.2022 - 01.2024
- Provide Disaster Relief and Process payments for North Carolina State Covid 19 Relief Funds
- Prioritizing workload for debt verification
- Send debt verification request via CDF- I, E, V, U, D, O records, Email and phone communication with Mortgage Lenders, HOA and Tax authorities
- Update debt holder contact list and HOA/Tax contact list via SharePoint
- Review applicants' documents, Foreclosure docs, Mortgage documents, HOA ledger, Tax Ledger
- Review W9 tax forms, Collaboration Contract Agreements, collect updated Financial, Confirm delinquent Mortgage, Tax and HOA accounts
- Process 3rd party authorization forms
- Initiate communication on delinquent accounts with Lenders, HOA and Tax office
- Verify if applicant is eligible or ineligible to receive North Carolina Housing Assistance funds
- Review and Verify Applicants and payee information
Servicing Specialist
Longbridge financial Services
01.2019 - 10.2022
- Manage and Acts under legal guidelines to operate mortgage products that are in foreclosure
- Updates borrower's servicing files for accuracy
- Effectively uses best industry practices to minimize borrower loss (i.e
- Pre-foreclosure sales, Due and Payable, Default)
- Request and follow up on 11708 collateral File from the Custodian
- Communicates with borrowers, authorized representatives, and brokers, loan officers for servicing status
- Analyzes confidential legal & financial documents: note, first and second recorded mortgage, assignment, HUD1, repair riders, allonges, title commitment, payment plans
- Monitor REO portfolio, coordinate with vendors, approve/deny city violations, property preservation and approvals for utility payments
- Approve foreclosure fees and costs, title claims and Review curtailments and HUD Claims package, Ensure First Legal is met
- Contributes to the progress of the department by understanding the business protocols and expectations
Title Searcher
First American Title Commercial Plant /
Houston, TX
02.2017 - 01.2019
- Prepared comprehensive reports outlining findings from each search, highlighting relevant details necessary for informed decision-making by clients.
- Maintained detailed records of completed searches, allowing for easy reference and retrieval when needed.
- Effectively managed multiple projects simultaneously while maintaining high levels of organization and prioritization skills.
- Enhanced efficiency in title search processes by implementing digital tools to streamline workflow.
- Coordinated with escrow officers, mortgage lenders, and underwriters to provide essential documents required for timely transaction closings.
- Reduced errors in title reports by conducting thorough research and double-checking all documents.
- Collaborated with team members to ensure timely completion of all title searches for increased client satisfaction.
Foreclosure Specialist/REO Asset Manager
Reverse Mortgage Solutions
Houston, TX
04.2013 - 11.2016
- Troubleshot and resolved any issues that arose during the foreclosure process, minimizing potential delays.
- Evaluated foreclosure litigation paperwork, affidavits, and post-sale documents.
- Supervised processing of activities and administered responsiveness of alerts to determine foreclosure timeline management.
- Streamlined foreclosure processes by implementing new software tools for tracking and monitoring case progress. Managed Foreclosure Attorneys/Foreclosure TimelinesOversaw all aspects of management of assigned REOaccounts/properties including portfolio management, managing ofholding timelines & pre-marketingReceived and uploaded REO sale proceeds: checks/wiresContacted firm base on file to request status/documents- workingpro-actively to avoid timeline misses/avoiding curtailmentReviewed sales contracts, listing agent contracts, BPO, and appraisals
Education
Bachelor's degree - Business Management
University of Houston-Downtown
Houston, TX12.2024
Associate Degree - Business Administration
Lonestar Community College
Houston, TX09.2023
High School Diploma -
El Cajon Valley High School
El Cajon, CA06.2005
Skills
- Microsoft Excel
- Data analysis
- Communication
- Closing
- Bankruptcy
- Portfolio management
- Escrow analysis
- Work Independently
- Microsoft Word
- Origination
- Negotiation
- PowerPoint
- Data collection
- Teamwork and collaboration
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking Abilities
- Reliability
- Critical thinking
- Excellent communication
- Organizational skills
- Decision-making
- Self-driven and motivated
- Training and mentoring
- Relationship building
- Continuous improvement
- Written communication
- Professional demeanor
- Internet research
- Deadline adherence
- Report preparation
- Analytical skills
- Goal setting
- Self motivation
- Task prioritization
- Data entry
- Policy analysis
- Vendor management experience
- Team leadership qualities
- Computer software proficiency
- Networking and relationship building
- Property valuation expertise
- Market research
- Property inspection
- Regulatory compliance
- Financial analysis proficiency
- Real estate law
- Project management expertise
- Asset disposition strategies
- Risk management
- Due diligence
- Property accountability
- Asset optimization
- Title research
- Property appraisals
Timeline
Research Specialist
Assurant Insurance
01.2024 - Current
Servicing Specialist
Innovative Emergency Management
10.2022 - 01.2024
Servicing Specialist
Longbridge financial Services
01.2019 - 10.2022
Title Searcher
First American Title Commercial Plant /
02.2017 - 01.2019
Foreclosure Specialist/REO Asset Manager
Reverse Mortgage Solutions
04.2013 - 11.2016
Associate Degree - Business Administration
Lonestar Community College
High School Diploma -
El Cajon Valley High School
Bachelor's degree - Business Management
University of Houston-Downtown