Odiri Otojareri
Houston
Summary
Analytical and detail-oriented Mortgage & Loan Processing Specialist with 20 years of experience in loss mitigation, underwriting support, regulatory compliance, and customer relations. Proven track record managing high-volume pipelines, reducing turnaround times, and maintaining 98% compliance accuracy. Expert in FHA, VA, Conventional, and SBA loan programs, fraud prevention, and documentation management. Strong collaborator with underwriters, attorneys, investors, and clients to expedite approvals and minimize risk.
Overview
21
21
years of professional experience
Work History
Loss Mitigation Specialist
Newrez Mortgage Service
03.2024 - Current
- Manage delinquent mortgage accounts (60+ days overdue), negotiating repayment and mitigation solutions.
- Contact homeowners via manual and automated outreach to improve engagement.
- Maintain compliance with investor/legal guidelines while updating files for accuracy.
- Handles inbound and outbound calls supporting homeowner questions and helping homeowners to become engaged in loss mitigation workout assistance.
- Makes calls to borrowers, borrowers’ authorized representatives, and brokers.
- Analyzes financial statements, tax returns, credit reports, and the value of the collateral in order to determine and recommend the most feasible and appropriate workout to the customer. (Deferment, forbearance, repayment plan, modification, refer to short sale or Deed in Lieu, or foreclosure.
- Contributes to the progress of the department by understanding the measurements used to define success and how they can positively impact those measurements.
- Ensures compliance with company policies and procedures.
- Performs related duties as assigned by management. And Addresses any borrower questions or concerns. Handles escalated files appropriately by providing an articulate and complete response.
Technical Support Representative
GigCX Marketplace -TurboTax (CW)
01.2024 - 03.2024
- Delivered technical and product support for 50+ customers daily.
- Resolved tax software inquiries, improving customer satisfaction scores.
- Recognized for excellent communication and empathy in high-stress situations.
- Understand the value of your individual impact on the team and company's success.
- Excellent written and verbal communication skills with ability to effortlessly display empathy with customers over the phone Dialer.
- Exhibit an intermediate level of knowledge in the relevant operating systems and software environment.
- Experience with software troubleshooting abilities.
- Modify your communication style meet customer needs and tone.
- Simplify and communicate complex idea to customers.
Sr. Mortgage Loan Processor III
Texas Dow Employees Credit Union
06.2020 - 01.2023
- Processed 40+ loan files weekly, meeting 100% of regulatory timelines.
- Structured loan applications per AUS findings, reducing conditional approvals.
- Verified appraisals, disclosures, and contracts; cleared underwriting conditions.
- Manage the end-to-end processing of mortgage loan applications, ensuring all necessary documents are collected and reviewed for accuracy.
- Collaborate with loan officers, underwriters, and processors to facilitate a smooth and efficient application process.
- Oversee the organization and maintenance of loan files, ensuring compliance with regulatory standards and company policies.
- Verify and validate all required documents and information provided by clients.
- Act as a primary point of contact for clients, providing updates on the status of their loan applications.
- Address client inquiries and concerns in a timely and professional manner and Collaborate with internal teams, including underwriting, processing, and closing departments, to ensure a coordinated and efficient workflow.
- Monitor and manage the loan pipeline to track the progress of applications and meet closing deadlines.
- Provide regular updates to all relevant parties on the status of loans in process.
- Work with internal teams to find solutions and ensure a positive client experience and 3rd parties items( VOE, VOD)
- Provide administrative support to loan officers and other team members as needed.
- Assist in maintaining accurate and up-to-date records in the loan management system.
Loan Specialist
Small Business Administration
05.2020 - 11.2020
- Reviewed/processed 200+ SBA PPP loans weekly under COVID guidelines.
- Prevented fraud by identifying and flagging ineligible applications.
- Recommended approvals/denials and documented justifications.
Sr. Loan Processor
Source point Mortgage
Houston, TX
04.2019 - 06.2020
- Prepared/verified loan packages for FHA/VA/Conventional loans.
- Coordinated with underwriters, clients, and closing agents to clear conditions.
- Ordered/monitored documentation, ensuring on-time closings.
- Manage the end-to-end processing of mortgage loan applications, ensuring all necessary documents are collected and reviewed for accuracy.
- Collaborate with loan officers, underwriters, and processors to facilitate a smooth and efficient application process.
- Oversee the organization and maintenance of loan files, ensuring compliance with regulatory standards and company policies.
- Verify and validate all required documents and information provided by clients.
- Act as a primary point of contact for clients, providing updates on the status of their loan applications.
- Address client inquiries and concerns in a timely and professional manner and Collaborate with internal teams, including underwriting, processing, and closing departments, to ensure a coordinated and efficient workflow.
- Monitor and manage the loan pipeline to track the progress of applications and meet closing deadlines.
- Provide regular updates to all relevant parties on the status of loans in process.
- Work with internal teams to find solutions and ensure a positive client experience and 3rd parties items( VOE, VOD)
- Provide administrative support to loan officers and other team members as needed.
- Assist in maintaining accurate and up-to-date records in the loan management system.
Sr. Loan Processor
Freedom Mortgage / Sutherland Global Services
03.2014 - 10.2018
- Achieved 98% pipeline conversion for 3 consecutive months.
- Transitioned department to paperless database, reducing errors and cycle times.
- Processed 60+ files monthly, ensuring 100% compliance.
- Manage the end-to-end processing of mortgage loan applications, ensuring all necessary documents are collected and reviewed for accuracy.
- Collaborate with loan officers, underwriters, and processors to facilitate a smooth and efficient application process.
- Oversee the organization and maintenance of loan files, ensuring compliance with regulatory standards and company policies.
- Verify and validate all required documents and information provided by clients.
- Act as a primary point of contact for clients, providing updates on the status of their loan applications.
- Address client inquiries and concerns in a timely and professional manner and Collaborate with internal teams, including underwriting, processing, and closing departments, to ensure a coordinated and efficient workflow.
- Monitor and manage the loan pipeline to track the progress of applications and meet closing deadlines.
- Provide regular updates to all relevant parties on the status of loans in process.
- Work with internal teams to find solutions and ensure a positive client experience and 3rd parties items( VOE, VOD)
- Provide administrative support to loan officers and other team members as needed.
- Assist in maintaining accurate and up-to-date records in the loan management system.
Stewart Lending Services
Houston, TX
09.2011 - 03.2014
- Negotiated foreclosure alternatives (short sales, repayment plans, Deferment, loan mods).
- Analyzed BPOs and REO appraisals to determine property values. Pipeline Management
- Collected borrower/investor documentation for processing strategies and Review financial packages for completeness
Senior Service Specialist III
Chase Auto Finance
Houston, TX
01.2005 - 01.2011
- Processed 35+ auto loan files monthly.
- Outperformed peers with 12-day turnaround (vs. 15–20 days).
- Recognized as top performer for productivity and compliance.
Education
Associate of Business Administration - Finance
Houston Community College
Houston, TX01-2007
Skills
- Encompass Calyx Point Edge Equator MS Office Suite Lotus Notes AS400 DU/LP Systems
- Software: Encompass, Calyx Point, Edge, Equator, MS Office
- Portfolio management
- Default management
- Collections experience
- Coordinating records
- Negotiation expertise
- Data interpretation
- Debt restructuring
- Loan modification
- Disputing credit entries
- Teamwork
- Mortgage servicing
- Problem-solving
- Customer service
- Time management
- Attention to detail
- Multitasking
- Decision-making
Websites
Timeline
Loss Mitigation Specialist
Newrez Mortgage Service
03.2024 - Current
Technical Support Representative
GigCX Marketplace -TurboTax (CW)
01.2024 - 03.2024
Sr. Mortgage Loan Processor III
Texas Dow Employees Credit Union
06.2020 - 01.2023
Loan Specialist
Small Business Administration
05.2020 - 11.2020
Sr. Loan Processor
Source point Mortgage
04.2019 - 06.2020
Sr. Loan Processor
Freedom Mortgage / Sutherland Global Services
03.2014 - 10.2018
Stewart Lending Services
09.2011 - 03.2014
Senior Service Specialist III
Chase Auto Finance
01.2005 - 01.2011
Associate of Business Administration - Finance
Houston Community College
Core Competencies
- Loan Processing (FHA/VA/Conventional)
- Loss Mitigation & Foreclosure Prevention
- Fraud Detection & Risk Management
- Loan Documentation & Compliance (HUD, RESPA, TILA, HMDA)
- Underwriting Support (DU/LP Systems) Customer & Investor Relations
- Regulatory Compliance