Carmen Bravo

Responsible for recording title documents in a team environment and perform quality checks on documents prior to recording. Perform submission for documents to countries for recording, via e-file systems as well as through direct mail which entails calculation filing fees to be paid to the county for recording. In addition, troubleshoot rejected documents and re-submit to the county and work with recording service clients, answering their phone calls and emails along with follow-up on expedited submissions.

Ensured timely delivery of completed projects by adhering to established deadlines and prioritizing tasks effectively for other teams with our department.

• This position entailed complete review of servicer provided customer complaints, mortgage loan documentation and decision for accuracy and analyzing complaint and loan data as required by the scope of the review which may include verification of data against multiple sets of guidelines
• Conditioning loan files for missing documentation in a clear, concise, and respectful manner
• Complete auditing to validate servicer computations of borrower's indebtedness, financial condition and refunds/remediation

• Was responsible for preparing loan documents, entering loan information into system and maintaining status files on loans for Wholesale Division of this bank in a paperless environment
• Functions included: verified all escrow and title fees were entered correctly and in compliance for loan products; verified and/or re-disclosed the GFE prior to releasing closing instructions; verified figures met RESPA guidelines; provided support to loan officers and processors, and subsequent follow ups with escrow companies and brokers; verified VOE's were within bank's guidelines; documented accounts with status of loan file, and approved escrow's HUD-1 prior to sending loan documents

• Performed complete review to set-up loans to prepare modification agreements for HAMP (Making Home Affordable Program) and traditional (non-HAMP) which includes verification of escrow account lines, prior modifications, interest only loans or active BK/foreclosure loans in a paperless environment
• Balancing of the new principal balance and verifying all delinquent fees
• Determined the correct vesting to draw modification documents through the Mortgage or title policy and calling the borrower to confirm martial status and communicate modification has been approved

• This position entailed interfacing with customers on the phone and handling inbound and outbound calls initiated by a phone dialer system
• Working as key employee as the first point of contact with borrowers reviewing the accounts to determine the status and provide all necessary information to complete the HAMP package through performing data entry and information updates on computerized system

• Was responsible for the solution of vesting issues and all title liens on all files
• Performed accurate audits of the files, which included research of judgment liens, vesting issues, mechanic liens, delinquent property taxes, the chain of title and contacting outside sources for resolution to meet investor's guidelines
• Review of documentations such as the final HUD, credit report, county recorded release of liens, and subordinations for resolution of liens on final title policy
• Maintained professional communication relationships with contact person(s) at the title company and closing attorneys to obtain necessary documentation

• Complete audit of loan files within federal laws and company's underwriting guidelines which included review of income documentation, preliminary report, credit report, and appraisal report for this high volume mortgage company
• Provided support to field to assure correct documentation is received in a timely manner
• Maintained positive communication relationships with branches, internal employees, and borrowers

• Collected, entered and maintained weekly reports for upper management
• Maintained productivity report in Microsoft Excel
• Completed miscellaneous tasks in timely manner for Manager and Supervisor
• Processed time card and time off request for department

• Researched credits disputes and responded to Credit Bureau
• Researched borrower problems, Identify solutions and respond verbally and/or in writing with the guidelines set forth in RESPA
• This entailed review of payoffs, final HUD, escrow accounts, loan statements and payment histories
• Displayed professional customer service skills, while creating and maintaining an acceptable level of customer satisfaction

• This includes interfacing with customers on the phone and in person, providing assistance and information
• Completed all tasks with a high degree of quality and professionalism
• Prepared correspondence to borrowers, maintaining loan files; explain aspects of negative amortizing loans and escrow analysis to customers

• Was responsible for providing assistance to the Loan Servicing Department
• This entailed screening and responding to incoming customer calls, which included setting up impounds, performing data entry and information updates on computerized system, explaining escrow analysis and adjustable mortgage loans, and VOM