Markea L. Perez

Senior Mortgage Loan Processor

• Processing Conventional, Fannie Mae, Freddie Mac, Streamline, DU, FHA, VA Loans • Review loan file to verify procedures per guidelines • Ensure integrity of all data and process inputs. • Order necessary documents and follow-up with vendors/third parties to obtain in a timely manner for payoff, title, subordination, appraisal, flood certificates, condo/HOA questionnaires, and insurance declaration. • Manage pipeline of 300+ loans within required performance standards. • Obtained, reviewed customer documents, and clear conditions commensurate with authority level through the desktop underwriting systems. • Submit loans to underwriting for conditional review and full approval upon receipt of appraisal. • Partner with sales and underwriters on difficult and/or exception transactions. • Guarantee on time closing by completing all required pre-closing steps; making cash to close call, and handing file off to closer within required performance standards. • Diligently identify transaction components that indicate the potential of fraud within the loan documents. • Make appropriate and intelligent decisions regarding deficiencies identified during review of mortgage loan files to ensure compliance with company, industry and federal guidelines. • Work with Title, Mortgage Subordination, Realtors, Closing, Attorneys, HOA, and other Third Party Vendors to ensure the proper documentation and processing has been efficiently completed per each individualized loan file. • Perform risk analysis and forensic review on client’s mortgage loan files. • Worked closely with internal departments, processed pertinent documentation for each state specific law and regulation through closing. • Underwriting FHA, Fannie and Freddie Mac Loans. Help Desk Supervisor: • Assisted department of 850 as help desk supervisor taking escalated calls from clientele • Urgently reviewed and processed mortgage extensions and forbearance programs for clients in default • Approved and denied overrides and assisted in educating collectors on new processes. • Contacted clientele and offered options and solutions to assist in each individual scenario • Managed a portfolio of over 350 internal clients per month accounts 90-120 days past due • Built client retention using best business practices while collecting on 1 st and 2 nd home loans as well as home equity lines of credit in default. • Reviewed and initiated repayment plans, modifications, forbearance, extensions, Short Sale, Foreclosure, and Cash for Keys.

• Processing Conventional, Fannie Mae, Freddie Mac, Streamline, DU, FHA, VA Loans
• Review loan file to verify procedures per guidelines
• Ensure integrity of all data and process inputs
• Order necessary documents and follow-up with vendors/third parties to obtain in a timely manner for payoff, title, subordination, appraisal, flood certificates, condo/HOA questionnaires, and insurance declaration
• Calculated income, and recommended denials as needed.

• Works with borrowers towards communicating their home purchase and refinance goals
• Pre-screen borrowers for state specific communication with Caliber licensed loan officers
• Quality control monitoring trainer for loan officers
• Monitoring to assure the loan officers are abiding by state specific and governmental guidelines
• Monitor recorded presentations, and complete reporting to upper management daily to ensure quality and training opportunities are completed for correction.

• Management of offers and approvals of senior management, and Private Investors for defaulted loans 31+ days
• Portfolio management of 500 monthly accounts for Conforming and Non-conforming loans/ARM's/Home Equity Loans/FHA/VA/Conventional
• Repayment Plans/Modifications/Short Sales/Deed in Lieu/Consent to Judgement/Cash for Keys, Foreclosure
• Ensure integrity of all data and processes
• Negotiate with clients regarding what options best suit the needs of both parties to find resolution for both
• Attorney, Title work, Realtor, and client resolution.

Private Mortgage Banking Specialist

• High net wealth mortgage loan sales origination • Non-conforming loans • Financial Income and Assets consultation • Ensure integrity of all data and process inputs. • Document review and retrieval • Single point of contact for Financial Advisors, Clients, BSC's • Coordinate the loan process with third party vendors • Develop comprehensive strategies and manage loan escalations as needed • Educate and offer products pertaining to the client’s goals • Modifications • Develop, maintain and grow business relationships

• Bankruptcy audit
• Mortgage loan review
• Ensure integrity of all data and process inputs
• Document loan audit
• Accounting
• Reports\Training
• Data Analytics
• Beta Testing

• Streamline, DU, FHA, VA Loans
• Review loan file to verify procedures per guidelines
• Ensure integrity of all data and process inputs
• Order necessary documents and follow-up with vendors/third parties to obtain in a timely manner for payoff, title, subordination, appraisal, flood certificates, condo/HOA questionnaires, and insurance declaration
• Manage pipeline of 300+ loans within required performance standards
• Obtained, reviewed customer documents, and clear conditions commensurate with authority level through the desktop underwriting systems
• Submit loans to underwriting for conditional review and full approval upon receipt of appraisal
• Partner with sales and underwriters on difficult and/or exception transactions
• Guarantee on time closing by completing all required pre-closing steps; making cash to close call, and handing file off to closer within required performance standards
• Diligently identify transaction components that indicate the potential of fraud within the loan documents
• Make appropriate and intelligent decisions regarding deficiencies identified during review of mortgage loan files to ensure compliance with company, industry and federal guidelines
• Work with Title, Mortgage Subordination, Realtors, Closing, Attorneys, HOA, and other
• Third Party Vendors to ensure the proper documentation and processing has been efficiently completed per each individualized loan file
• Perform risk analysis and forensic review on client’s mortgage loan files
• Worked closely with internal departments, processed pertinent documentation for each state specific law and regulation through closing
• Underwriting FHA, Fannie and Freddie Mac Loans.

• Processing Conventional, Fannie Mae, Freddie Mac, Streamline, DU, FHA, VA Loans • Review loan file to verify procedures per guidelines • Ensure integrity of all data and process inputs. • Order necessary documents and follow-up with vendors/third parties to obtain in a timely manner for payoff, title, subordination, appraisal, flood certificates, condo/HOA questionnaires, and insurance declaration. • Calculated income, and recommended denials as needed.

• High net wealth mortgage loan sales origination
• Non-conforming loans
• Financial Income and Assets consultation
• Ensure integrity of all data and process inputs
• Document review and retrieval
• Single point of contact for Financial Advisors, Clients, BSC's
• Coordinate the loan process with third party vendors
• Develop comprehensive strategies and manage loan escalations as needed
• Educate and offer products pertaining to the client’s goals
• Modifications
• Develop, maintain and grow business relationships

• Management of offers and approvals of senior management, and Private Investors for defaulted loans 31+ days. • Portfolio management of 500 monthly accounts for Conforming and Non-conforming loans/ARM's/Home Equity Loans/FHA/VA/Conventional. • Repayment Plans/Modifications/Short Sales/Deed in Lieu/Consent to Judgement/Cash for Keys • Ensure integrity of all data and processes. • Negotiate with clients regarding what options best suit the needs of both parties to find resolution for both. • Attorney, Title work, Realtor, and client resolution.

Private Mortgage Banking Specialist

• High net wealth mortgage loan sales origination • Non-conforming loans • Financial Income and Assets consultation • Ensure integrity of all data and process inputs. • Document review and retrieval • Single point of contact for Financial Advisors, Clients, BSC's • Coordinate the loan process with third party vendors • Develop comprehensive strategies and manage loan escalations as needed • Educate and offer products pertaining to the client’s goals • Modifications • Develop, maintain and grow business relationships

Mortgage Specialist Analyst

• Bankruptcy audit • Mortgage loan review • Ensure integrity of all data and process inputs • Document loan audit • Accounting • Reports\Training • Data Analytics • Beta Testing

Senior Mortgage Loan Processor

• Processing Conventional, Fannie Mae, Freddie Mac, Streamline, DU, FHA, VA Loans • Review loan file to verify procedures per guidelines • Ensure integrity of all data and process inputs. • Order necessary documents and follow-up with vendors/third parties to obtain in a timely manner for payoff, title, subordination, appraisal, flood certificates, condo/HOA questionnaires, and insurance declaration. • Manage pipeline of 300+ loans within required performance standards. • Obtained, reviewed customer documents, and clear conditions commensurate with authority level through the desktop underwriting systems. • Submit loans to underwriting for conditional review and full approval upon receipt of appraisal. • Partner with sales and underwriters on difficult and/or exception transactions. • Guarantee on time closing by completing all required pre-closing steps; making cash to close call, and handing file off to closer within required performance standards. • Diligently identify transaction components that indicate the potential of fraud within the loan documents. • Make appropriate and intelligent decisions regarding deficiencies identified during review of mortgage loan files to ensure compliance with company, industry and federal guidelines. • Work with Title, Mortgage Subordination, Realtors, Closing, Attorneys, HOA, and other Third Party Vendors to ensure the proper documentation and processing has been efficiently completed per each individualized loan file. • Perform risk analysis and forensic review on client’s mortgage loan files. • Worked closely with internal departments, processed pertinent documentation for each state specific law and regulation through closing. • Underwriting FHA, Fannie and Freddie Mac Loans. Help Desk Supervisor: • Assisted department of 850 as help desk supervisor taking escalated calls from clientele • Urgently reviewed and processed mortgage extensions and forbearance programs for clients in default • Approved and denied overrides and assisted in educating collectors on new processes. • Contacted clientele and offered options and solutions to assist in each individual scenario • Managed a portfolio of over 350 internal clients per month accounts 90-120 days past due • Built client retention using best business practices while collecting on 1 st and 2 nd home loans as well as home equity lines of credit in default. • Reviewed and initiated repayment plans, modifications, forbearances, extensions, Short Sale, Foreclosure, and Cash for Keys.