Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
23
23
years of professional experience
Work History
Credit Risk Analyst
LoanDepot
03.2021 - 09.2023
Created, updated, and provided maintenance of credit policies, and procedures, while improving operational efficiencies of matrices, and factsheets
Maintained, developed, and wrote product matrices reflecting program guidelines and lending guidelines for all offered affordable housing products
Completed monthly re-certifications and renewals for each affordable housing bond program
Reviewed and analyzed policies and procedures and made recommendations for efficiency and improvement
Collaborated with business leaders to ensure policies were accurately addressed with business and legal requirements
Identified issues, developed procedures, and conducted working sessions with management for new products
Ensured clear audit trails by tracking and documenting all tasks appropriately, using established team methods and tools
Maintained strong working knowledge of regulations to ensure compliance
Collaborated with Operations to create and maintain Job Aids and internal resources related to system requirements, program guidelines, policies and procedures.
Alleviated Fannie Mae’s operational risk as it related to cash remittances, security updates, loan level reporting, MBS disclosures, lender reconciliations, and data integrity
Analyzed and resolved loan delivery edits for assigned lender portfolio
Identified trends and patterns related to acquisitions activity; developed action plans; implemented resolutions in a timely manner; escalated issues that extended over portfolios and participated in resolutions
Provided monthly status updates for various lenders, including incident reports, Straight Through Processing, Desktop Underwriter, and Turnaround Times
Tracked trends in custodian certification status for assigned lenders, ensuring MBS pools and whole loans were certified and purchased within Fannie Mae’s specified guidelines
Served as a Liaison to customers regarding operational performance in areas such as monthly servicing, delivery accuracy, pricing, custodial account management, cash management, reporting, and lender compliance
Provided resolution to customers on outstanding concerns and issues with pending deliveries while determining the appropriate course of action to facilitate funding of the customer's deliveries
Supported activities related to funding and delivery of whole loans through Loan Delivery platform and Desktop Underwriter
Supervisor - Executive Assistant
AA Shuttle Services
08.2011 - 06.2018
Assisted senior management with planning and facilitation of client meetings to improve understanding and mediating issues
Supported senior executives with writing and editing emails, drafting memos, and preparing communication on the executive's behalf
Organized meetings with external clientele for new business opportunities
Scheduled departmental meetings, sent reminders, managed and organized calendars
Answered customer calls in a polite and professional manner
Coordinated travel arrangements including but not limited to flights, hotels, and dinner reservations for potential clients
Completed expense reports for drivers reimbursement for tolls, and mileage
Performed data entry and spreadsheet maintenance
Established a professional working relationship with other Executive Assistants to coordinate events and other projects
Resolved internal and external complaints and referred grievances and unresolved complaints as appropriate
Provided Public Relations Advocacy for new hire, while acting as liaison between public service commissioner and drivers
Interviewed candidates for positions within the organization and recommended appointment, promotion, and reassignment to positions
Resolved internal and external complaints and referred grievances and unresolved complaints as appropriate
Provided Public Relations Advocacy for new hire, while acting as liaison between public service commissioner and drivers.
Client Service Consultant Lead
Wells Fargo Home Mortgage
06.2009 - 08.2011
Worked as a Liaison between Wells Fargo and third-party non-profit agencies for loans supported by the Community Affordable Housing Assistance Loss Mitigation team
Managed and built long-term relationships, while partnering with outside Counselors to ensure accuracy
Played hands on roll with management to assisted in building the liaison team
Supported affordable lending initiatives for territory
Worked closely with senior management and project management team in developing high level database models in the pilot of UAT testing and ERCP early resolution counselor portal for non-profit agents
Validated investor hierarchy guidelines within ERCP database program
Conducted client training on products, services, company policies, procedures and regulations for ERCP
Assisted project management team in development of flow charts to introduce nonprofit agents to ERCP
Home Preservation Loss Mitigation Specialist
Wells Fargo Home Mortgage
06.2009 - 03.2010
Interpreted Work Rules and Investor Guidelines to remain in compliance when requesting required documentation for retention options
Reviewed loan servicing history records to determine services compliant with HAMP, standard modification, forbearance, and foreclosure guidelines
Reviewed loan file images in a document management system and documenting quality review results
Utilized Knowledge of Desktop Underwriter (DU) and Loan Prospector (LP) Automated Underwriting System (AUS) input and interpretation
Made decisions on residential loans for approval or denials
Investigated and evaluated credit histories to determine credit worthiness of individual borrowers
Traveled nationally to meet with customers face-to-face to evaluate and assess mortgage loss mitigation documents
Submitted monthly expense reports for food, travel, and hotel reservations for reimbursement
Monitored and conducted quality reviews of loan underwriting and loss mitigation for FHA single-family loss mitigation housing loans
Effectively worked a case loan portfolio of 115+
REO Asset Recovery Manager
Wells Fargo Home Mortgage
06.2006 - 06.2008
Served as asset manager for single-family property portfolios for agency-owned properties
Managed real estate owned portfolio of over 250 single-family properties for multiple states from pre-listing to closing in high level Oracle database
Negotiated contract offers and compiled data to receive the best price for the client, while reviewing and analyzing current and historic market trends
Provided daily communication with attorneys, agents, eviction reps and realtors to negotiate closing dates and best offers
Reviewed single family dwelling appraisals and BPO valuations with the ability to identify comparables, in order to write MLS for relisting properties on the market at the highest price available
Proven skills and abilities in oral and written communications, customer service, problem solving skills, and interpersonal skills required to responding effectively to requests and bids
Proficient in Excel and Microsoft Word
Underwriter I – Processor
Wells Fargo Home Mortgage
06.2002 - 06.2006
Originated new single-family dwelling loans for Conventional, VA & FHA loan products, while assisting customers with application completion and documentation approvals
Built relationships with loan officers, realtors, selling agents, and buyers in order to close loans, refinance and assist new buyers in new loan purchases
Knowledge of Desktop Underwriter (DU) and Loan Prospector (LP) Automated Underwriting System (AUS) input and interpretation
Originated loans for conventional, VA, and FHA loan products
Ability to prioritize and handle multiple tasks simultaneously
Collections Customer Service Representative
Wells Fargo Home, Mortgage
10.2000 - 06.2002
Handled incoming calls to establish payment plans for defaulted loans and processed check by phone payments to bring SFD loans current
Demonstrated excellent phone etiquette with advanced Customer Service skills and business writing
Consistently ranked on target or above in performance modules ranging from quality, production, and other MPP goals
Possessed strong research abilities within Mortgage Servicing relating to default, payment processing, escrow, and a variety of other mortgage inquiries
Analyzed delinquent loans including consideration of such matters as the extent of delinquency in individual loans.