Cleotis Pree

• Ensured compliance of underwriting activities with company policies and external regulations.
• Maintained up-to-date knowledge of evolving mortgage industry regulations and guidelines.
• Communicated with borrowers to gather required information and resolve inquiries regarding modifications.
• Accurately documented all modifications for reliable record-keeping.
• Analyzed financial documents to assess eligibility for loan modification programs.
• Reviewed legal documents related to each loan application for accuracy and completeness.
• Calculated monthly mortgage payments based on new terms established during the modification process.
• Managed a robust pipeline of loans, consistently meeting all deadlines.

• Managed multi-investor portfolio, assisting customers impacted by natural disasters and unemployment to retain property ownership.
• Monitored delinquency trends while adhering to investor guidelines and government regulations.

Analyzed reasons for delinquency, gathered financial documentation, and assessed eligibility for assistance programs.

Educated borrowers on resources and alternatives to foreclosure, enhancing informed decision-making.

• Documented interactions and decisions accurately in loan servicing system for accountability.
• Developed relationships with borrowers to provide ongoing support and guidance throughout processes.
• Coordinated with Modifications Department to ensure timely triage of loans into modification reviews.

Trained new employees on compliance protocols and departmental practices through hands-on coaching.

• Analyzed and validated complex financial documents from borrower modification applications to verify underwriter decisions.
  Demonstrated strong knowledge of general underwriting guidelines for modification programs including MHA, FHA, VA, FNMA, FHLMC, SFO, DOJ.
  Assessed loan modification eligibility based on detailed evaluation of borrower income, credit history, and property values.
  Calculated gross and net income from financial data supplied by borrowers.
  Performed audits for completeness and accuracy within required deadlines.
  Achieved production and quality targets while working with underwriting partners to address deficiencies promptly.
  Exercised self-motivation in auditing processes with minimal supervision to meet departmental objectives.

• Managed foreclosure case files while ensuring compliance with legal requirements.
• Addressed exceptions promptly to prevent delays in foreclosure processes.
• Coordinated communications among internal departments, government agencies, and external vendors.
• Reviewed loan documents to identify discrepancies and resolve issues efficiently.
• Conducted property inspections to evaluate condition and value for foreclosure actions.
• Developed strategies that streamlined workflow and enhanced case processing efficiency.
• Trained new team members on foreclosure procedures and industry best practices.
• Monitored quality audit scores and analyzed document processing errors for improvement.