Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Request and review tax returns, W-2s/1099s and paystubs
Maintained up-to-date knowledge of all Fannie Mae, Freddie Mac, FHA, and VA guidelines to ensure regulatory compliance within all transactions
Reviewed appraisal docs and title docs for 24 months chain of title
Monitor and review borrower requests to refer to appropriate servicing functional business unit or outside party upon review of applicable loan documents and service agreements, closing $5MM in funding per quarter
Mortgage Loan Analyst
Bank of America
Plantation, FL
11.2016 - 03.2021
Oversaw loan process end-to-end by reviewing and analyzing documents submitted by client, while ensuring regulatory compliance in all transactions
Managed appraisal/values, title forms, certifications, and other mortgage documents and resolved open disputes with third parties
Monitor closed loan portfolios for compliance and coordinate with other banking staff, such as financial advisors and underwriters, on financing strategies
Provided ongoing analyst support to Mortgage Loan Officers in the Southeastern Branch (20+).
Demonstrated respect, friendliness and willingness to help wherever needed
Provided professional services and support in a dynamic work environment
Junior Mortgage Underwriter
K. Hovnanian American Mortgage
Boynton Beach, FL
03.2016 - 11.2016
Responsible for processing pipeline of loans within designated builder communities, closing $3- $5MM in funding per month
Certified accuracy of files 45-60 days prior to closing, preparing file for final underwriting, pre- closing, and evaluating all conditions of approval from underwriting department
Worked with processing team members to communicate errors and obtain missing information for current applications
Verified integrity of applicants' information to minimize fraud
Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
Demonstrated ability to skillfully analyze submitted documentation covering credit histories, employment records, and current financial status
Loan Processor
Digital Risk
Boca Raton, FL
03.2015 - 02.2016
Managed pipeline of 30+ complex Bank of America loans on a weekly basis and processed loans approved by Underwriters or automated decisioning system
Main point of customer contact to gather supporting documentation to prepare loan for underwriting and verified all types of income including self-employed and W-2/1099
Reviewed credit reports and ensured streamlined loan process for applicants
Maintained status of all files in process and updates as needed; kept abreast of investor guidelines and changes that may affect loan status.
Team Lead
Target Corporation
05.2014 - 12.2014
Coached and evaluated team members’ performances
Directed and supervised team of 10 engaged in stocking sales floor and providing excellent customer satisfaction.
Defined sales plans/goals and executed daily/weekly workload to deliver on department and store sales goals and guest engagement including planning food service transitions, revisions, sales plans, sampling, promotions, and price change workload
Communicated timely weekly and monthly reports to District Manager.
Loan Processor/Underwriter
Advantium Capital, LLC
Sunrise, FL
10.2013 - 01.2014
Responsible for documenting modification letters and loan extensions to ensure borrower’s information was submitted correctly into proprietary system
Responsible for reviewing closed loan files completed by Mortgage Underwriters to ensure correct decision and findings were assessed based on specified project scope and requirements and exceeded established production and quality goals
Acted as subject matter expert for fraudulent mortgage activities.
Reviewed loan files for completeness, identified missing documentation, and generated condition lists for investor
QC Analyst/Due Diligence Underwriter
Corelogic
Sunrise, FL
04.2013 - 10.2013
Met and often exceeded established production and quality goals
Acted as subject matter expert for fraudulent activities and helped to decrease fraud in the organization
Responsible for reviewing loan files completed by Due Diligence Underwriters to ensure correct decision and findings based on specified project scope and requirements.
Communicated negative findings to Due Diligence department and gave course of action for files
Student Coordinator Manager
Keiser University
10.2011 - 04.2013
Managed day-to-day activities of ~15 Student Coordinators and responsible for hiring and training of new employees
Acted as a liaison between the Financial Aid department and Admissions department
Processed financial aid applications and funded student’s tuition for classes
Delivered timely daily reports to the Director of Admissions and the Director of Financial Aid to give updates on operations of student services department
Personal coach and advisor to help students qualify for admissions to select a degree pursuant to their goals.
Regional Sales and Business Medical Coordinator at Nuclear Imaging ConsultantsRegional Sales and Business Medical Coordinator at Nuclear Imaging Consultants