RENUKA MANAMPERI
Los Angeles
Summary
I have 25 years of customer service, loan service, loan origination and few years of real estate experience in wholesale, retail and correspondent products. Currently I am looking for an opportunity for growth while being a great asset to a company. My analytical, financial and communication skills are some of the top qualities I will bring with me to my employer. I am a strong performer in a high production environment and work independently or work with direction depending on the requirement. I adapt to changes well, detail oriented and a great team player.
Loan processor Broker assistant LOS Support Analyst Underwriter Account Manager Loss Mitigation Specialist QC Analyst Foreclosure Specialist Lien Release Specialist Mortgage Claims Specialist Great customer service skills Software skills: Encompass, FT 360, Doc Velocity, FHA Connection, MS Excel, MS Word, MS Office/Outlook, AS400, Alltel, MSP/LPS, Len star, Power Point, Adobe Reader, Pegasus (DOS based system). Excellent computer skills
Overview
30
30
years of professional experience
1
1
Certification
Work History
Real Estate Agent
Estate Properties
10.2020 - Current
- Prepare contracts and all other related documents for my clients to close a sale.
- Hold open houses.
- Show properties to clients as needed.
- Handle marketing and advertising for the business.
- Always participate in training meetings when available.
- Networking for future business.
Loan Processor (Retail)
American Financial Network
07.2020 - 08.2020
Loan Processor
Easy Financial, LLC
12.2019 - 02.2020
- Enter all data on new loans as received into the computer system as needed for initial submission through the appropriate process including income calculation.
- Maintain an open line of communication with the borrowers, loan originator, under writer throughout the entire process as needed.
- Monitor all incoming mail and documents for verification information on data used to obtain any loan approval.
- Order credit report and private mortgage insurance from company approved service providers, as required, by the loan approval.
- Order, obtain, review, and approve any required appraisal documentation from a company approved appraiser, as required by company or investor guidelines for the product under which the loan was originated or approved.
- Prepare all loans approved for closing by collecting/obtaining all information/documentation required to clear underwriting approval conditions.
- Obtain any clear/satisfactory certifications required by the loan approval, property type, investor/insurer guidelines and/or appraisal.
- Scheduled for closing, responsible for delivering a completed package to the closing department to ensure approved credit package has the appropriate information.
Paramount Residential Mortgage Group
09.2016 - 11.2018
- Direct affiliation with mortgage Brokers (wholesale, correspondent and retail) Account Executives, Loan Processors, Broker services and Underwriters.
- Also communicated and assisted setup/registration/disclosure team with any loan issues so loans can move forward to closing, funding and final docs.
- Responsibilities included following and not limited to: FT360 (FAST TRACK) and Encompass issues (included training clients and internal staff how to use the system), Doc Velocity issues, Client loan pipeline issues, Setting up new loans on the system issues (i.e. 3.2FNM file issues to any other process issue on FT360), Communication with clients/brokers regarding original loan package upload and conditions upload and assisting them if help needed, Assisted with DU’s and DO’s issues to obtain Approve/Eligible status (Excellent skill set in this area), Resolved credit report issues while running DU (communication with credit agency), Rate lock issues, Comp plan issues, Product and pricing issues, Disclosure issues (i.e. obtaining esignatures on all TRID documents including econsent via communication with borrowers), FHA case issues (obtaining/transferring/cancelling), Appraisal issues (worked closely with appraisal team to fill in gaps of any issue in the appraisal process so loan can move forward), Assisted with setting up client portfolio on the system and providing them system assigned credentials to log in to the main frame system and marketing portal, Assisted with Client Marketing Portal AMPLIFY (issuance of credentials and navigation process if help needed), Worked with Zendesk ticketing system with most issues handled on a daily basis with a turn time of no more than one hour responsive time, 100% customer service survey satisfaction at all times.
LOS Support Analyst
Kinetic Personal Group, Inc.
03.2016 - 08.2016
- Assisted loan officers, underwriters, loan processors and other with any Encompass 360 issues they faced during their loan approval process.
- Assisting with product and pricing, Running DU’s/LPS’s and clearing DU ineligibles, Clearing compliance fails, Clearing any milestone issues, Uploading documents and creating place holders, Clearing e disclosure issues including disclosure tracking issues, Clearing e consent issues, Clearing AUS issues, Clearing MI issues, Clearing GFE/2015 itemization issues, Clearing template issues, And many other technical issues related to 360 system.
Customer Service Representative
Kelly Services/Jackson Hewitt Tax Services
01.2016 - 02.2016
- Assist customers with product issues.
- Discuss with customers about promotions.
- Set up appointments.
Medical Underwriter
Word & Brown
07.2015 - 10.2015
- Verify documents to make sure all guidelines are met to complete medical benefit packages for Employers.
- Communication with brokers or direct customers as necessary.
Loan Processor
Carrington Mortgage Services, LLC
05.2015 - 07.2015
- Communication with customers and loan officers in order to expedite completion process.
- Processed FHA streamline, conventional and VA loans.
- Liaison between Title Company, Broker and Lender.
- Review HUD-1 for closing.
- Responsible for reviewing and verifying documents such as income, assets statements, bank statements, tax returns, 1003 application, appraisals, title preliminary reports, mortgage insurance documents, hazard insurance documents, HOA documents, property tax documents, W-2’s, 1099’s, Profit and Loss statements for Self Employed income accounts and credit report.
- Verify GFE and disclosure documents are completed and signed by all parties.
- Review guidelines to assure applicants credit profile and desired loan matched the lenders guidelines.
- Application intake, ordering of appraisal, credit report, title, VOD’s, VOE’s and ordering of other verification documents.
- Complete verification on Data verify, FHA connection, LDP/GSA and SSA verification.
- Work with Loan Officer/customer to obtain missing condition items in an efficient timely manner.
- Review of sales contracts, rate locks, credit approvals to assure closing and funding of loans is done in a timely manner and within the necessary deadline.
- Review of documents to assure compliance with RESPA, HUD and all governing bodies are met.
Mortgage Underwriter
Carrington Mortgage Services
09.2012 - 05.2014
- Communication with loan processors or home owners to obtain outstanding information.
- Perform reviewing the entire loan file through verification processes including adherence to multiple investor guidelines and compliance and complete final approval.
- Underwrite loan files to determine compliance with company and FHA/VA guidelines.
- Maintain quality control standards while maintaining production standards by company’s definition.
- Ability to access an individual credit worthiness while adhering to all regulatory and compliance requirements.
- Assist the mortgage loan personal with product guidelines, required loan documents and approval condition changes.
- Direct affiliation with loan processors regarding missing or incomplete documents.
- Produce underwriting decisions within maximum of 2 days after receipt of file.
Loss Mitigation Specialist/Loan Analyst/Underwriter assistant/Short Sale assistant/Loan Processor
First Choice Realty
05.2010 - 09.2012
- Assisted homeowners stay in their home by placing them in programs where payments are affordable. (HAMP and other)
- If a payment plan or a modification was not possible I assisted with a Short Sale program (Part of the process was to communicate with lenders, agents, brokers, appraisers, buyers during this process).
- Collect from home owner and go through required documents for the programs (i.e. tax returns 1040, bank statements, pay stubs, proof of address etc.)
- Ensure loans meet all FHA, FNMA and Freddie Mac guidelines and are readily salable.
- Prepare to underwrite real estate loans to company guidelines ensuring data integrity and salability.
- Performed income analysis/calculation, credit analysis, fraud detection and risk analysis, appraisal review, and loan processing.
- Provide in-house training in various areas including, but not limited to. Create various workflow processes and ensure efficient and effective use of staff time.
- Complete internal audits of closed loan files to determine if a prudent decision was made and to validate data integrity.
Loss Mitigation Specialist
Mortgage Outreach Services
03.2009 - 02.2010
- Assisted homeowners stay in their home by placing them in programs where payments are affordable. (HAMP and other)
- If a payment plan or a modification was not possible I assisted with a Short Sale program (Part of the process was to communicate with lenders, agents, brokers, appraisers, buyers during this process).
- Collect from home owner and go through required documents for the programs (i.e. tax returns 1040, bank statements, pay stubs, proof of address etc., 4506-T)
Foreclosure Specialist/Bid Specialist
Citi Residential Lending, Inc.
04.2004 - 02.2009
- Monitored loans that are in foreclosure during foreclosure process to make sure all milestones are met in a timely manner during foreclosure process. (I.E. filing NOD, NOS, judgment figures, Updating sales results, Third Party funds from sale provided property went to a third party, sending file to REO etc.)
- I was a liaison between foreclosure attorney and lender in order to complete foreclosure process.
- Request reinstatement and payoff figures when needed.
- Prepare necessary legal documents and obtain company authorized personnel signatures along with notary and send them to attorney for recording.
- Ensure title to the property is clear prior to sale.
- Worked hand in hand with property preservation and eviction department.
- Ensure mortgage insurance, hazard insurance and taxes are paid per state requirement prior to sale.
- Prepared bidding instructions for the foreclosure sale.
- Made sure investor guidelines are met during foreclosure process.
- Attended attorney summits every year in order to obtain most recent regulations and updates. During this time met with foreclosure attorneys from all states.
Lien release specialist/Mortgage claims specialist
Wells Fargo Home Mortgage, Inc.
06.1996 - 03.2004
- Product lead for all claims processing on guaranteed loans. This included filing supplemental claims and investor claims as well.
- Responsibilities include liaising with attorneys on deed recordings and obtaining a clear title package in a timely manner according to state requirement.
- Process include preparation, verification, and review of all claims such as refunds, deed-in-lieu of foreclosure, third party foreclosure sales, no bids, specified bids and VA Guaranteed Vendee Loans and REO properties.
- Fully conversant with all legal aspects related to foreclosures and real property repossessions for all 50 states.
- Prepared and submitted lien releases and mortgage releases to county, agents and clients as needed in a timely manner.
Education
Associate Degree - Business Management
Mt. San Antonio College
CASix Sigma training - undefined
GE Capital Mortgage Services
Skills
- Loan processor
- Broker assistant
- LOS Support Analyst
- Underwriter
- Account Manager
- Loss Mitigation Specialist
- QC Analyst
- Foreclosure Specialist
- Lien Release Specialist
- Mortgage Claims Specialist
- Customer service skills
- Encompass
- FT 360
- Doc Velocity
- FHA Connection
- MS Excel
- MS Word
- MS Office/Outlook
- AS400
- Alltel
- MSP/LPS
- Len star
- Power Point
- Adobe Reader
- Pegasus (DOS based system)
- Computer skills
Certification
Six Sigma training, completed and certified during GE Capital Mortgage Services
Qualifications Summary
- Loan processor
- Broker assistant
- LOS Support Analyst
- Underwriter
- Account Manager
- Loss Mitigation Specialist
- QC Analyst
- Foreclosure Specialist
- Lien Release Specialist
- Mortgage Claims Specialist
- Great customer service skills
- Software skills: Encompass, FT 360, Doc Velocity, FHA Connection, MS Excel, MS Word, MS Office/Outlook, AS400, Alltel, MSP/LPS, Len star, Power Point, Adobe Reader, Pegasus (DOS based system). Excellent computer skills
Timeline
Real Estate Agent
Estate Properties
10.2020 - Current
Loan Processor (Retail)
American Financial Network
07.2020 - 08.2020
Loan Processor
Easy Financial, LLC
12.2019 - 02.2020
Paramount Residential Mortgage Group
09.2016 - 11.2018
LOS Support Analyst
Kinetic Personal Group, Inc.
03.2016 - 08.2016
Customer Service Representative
Kelly Services/Jackson Hewitt Tax Services
01.2016 - 02.2016
Medical Underwriter
Word & Brown
07.2015 - 10.2015
Loan Processor
Carrington Mortgage Services, LLC
05.2015 - 07.2015
Mortgage Underwriter
Carrington Mortgage Services
09.2012 - 05.2014
Loss Mitigation Specialist/Loan Analyst/Underwriter assistant/Short Sale assistant/Loan Processor
First Choice Realty
05.2010 - 09.2012
Loss Mitigation Specialist
Mortgage Outreach Services
03.2009 - 02.2010
Foreclosure Specialist/Bid Specialist
Citi Residential Lending, Inc.
04.2004 - 02.2009
Lien release specialist/Mortgage claims specialist
Wells Fargo Home Mortgage, Inc.
06.1996 - 03.2004
Six Sigma training - undefined
GE Capital Mortgage Services
Associate Degree - Business Management
Mt. San Antonio College