RHONDA BROWN

• Monitored staff performance and provided feedback on areas of improvement ne
• Attended professional development courses related to insurance underwriting
• Negotiated with sales agents regarding policy terms and conditions as needed.
• Reviewed and evaluated customer's applications to determine eligibility for insurance coverage.
• Collaborated with other departments within the organization to ensure efficient processing of customer applications.
• Performed quality assurance checks on completed work prior to submission.
• Provided support and guidance to colleagues to maintain a collaborative work environment.
• Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
• Provided HR administrative assistance to management team.
• Maintained positive working relationship with fellow staff and management.

• Ordered appraisals and title services on behalf of borrowers when necessary.
• Reviewed and corrected errors on interest, principal and closing costs.
• Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
• Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
• Reviewed HUD-1 settlement statements prior to closings.
• Prepared and delivered loan documents to title and escrow teams.

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• Answered questions and advised customers regarding loans and transactions.
• Calculated borrowers' income and debt ratios to assess loan eligibility.
• Communicated regularly with customers throughout the entire process from origination through closing.
• Provided customer service by responding to inquiries regarding loan status.
• Verified that all conditions of the loan have been met prior to disbursement of funds.

• Handle FHA, VA AND USDA loans that are 60+ days delinquent.
• Assist Borrowers to prevent foreclosure through loan modifications, repayment plans, short sales, or Deed in Lieu.
• Make initial contact with Borrowers via telephone or written correspondence.
• Review and negotiates liens and judgement to help clear title.
• Analyze and underwrite borrower's income through review of documents which include, but are not limited to, financial statements, tax returns, credit reports, and collateral appraisals to determine and recommend the best solution for borrower.
• Address any homeowner question or concern.
• Certify that all required actions have taken place prior to completing a foreclosure sale.

• Handled FHA, VA USDA FANNIE MAE and FREDDIE MAC loans that are 60+ days delinquent.
• Contact clients, primarily by phone, to assess their current financial situation on solutions to avoid foreclosure.
• Reviewed terms of final modification agreement with borrowers.
• Explained escrow shortages and overages to clients.
• Advised sale dates reinstatement amounts, put foreclosure on hold, ordered Attorney Fees and Cost.
• Collaborated with internal departments such as collections, underwriting.
• Used dialer system to collect on past due mortgage payments.
• Negotiated payment plans with customers in order to reduce overdue balances.
• Examined overall loan documentation ensuring compliance, accuracy and completeness for various programs and investor guidelines (FREDDIE MAC FANNIE MAE VA FHA and USDA).
• Reviewed and analyzed customer accounts for fraud risk and suspicious activities.

• Performed data entry into various software systems including Microsoft Excel, Word, Access.
• Handled Pipeline 180+ loans.
• Communicated effectively with clients, lenders, realtors, appraisers, and other parties involved in the transaction.
• Initiated contact with customers to obtain additional information needed to process mortgage loans.
• Reviewed title commitments and surveys prior to closing date.
• Proficiently utilized automated underwriting systems such as DU and LP to determine eligibility for mortgage loans.
• Provided exceptional customer service by responding promptly to inquiries from customers regarding their loan status.
• Reviewed mortgage applications to determine accuracy, completeness, and compliance.
• Communicated conditions to borrowers in easy-to-understand, non-mortgage verbiage.
• Collected required documentation from applicants and followed up on missing items.
• Submitted loan applications with recommendation for underwriting approval.
• Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.
• Scheduled and conducted closings of mortgage transactions.
• Responsible for effectively managing delinquent mortgage accounts.