Rosalind Winters
Corona,Ca
Overview
24
24
years of professional experience
Work History
Senior Funder
Unify Financial Credit Union
07.2018 - 01.2023
- Funding loans and staying within established timelines
- Verify loan funding package is completed and adheres to lender guidelines
- Drawing loans docs/setting signing appointments
- Analyze prelim funding requirements and documents, checking all docs for correct signatures and dates
- Review for correct loan amounts, loan programs, interest rates, closing costs, loan status and missing information
- Delivered all funded loans to post closing department and request the final HUD-1 with escrow
- Provide quality customer service to closing agents, processors, escrow/title and loan officers.
Senior Funder
Your Lending Co
06.2017 - 09.2017
- Funding loans and staying within established timelines
- Verify loan funding package is completed and adheres to lender guidelines
- Analyze prelim funding requirements and documents, checking all docs for correct signatures and dates
- Review for correct loan amounts, loan programs, interest rates, closing costs, minimum investment requirements, and other critical loan data
- Communicate with escrow officers, underwriters, processors, loan officers, and other staff regarding loan status and missing information
- Upon review of funding docs, insure all conditions on the underwriting approval are signed off
- Monitored lock expiration of loans to ensure all loans are funded accordingly
- Delivered all funded loans to post closing department and requested the final HUD-1 with escrow
- Provided quality customer service to closing agent, processors, and loan officers.
Senior Funder
CashCall Mortgage
10.2015 - 02.2017
- Trained new funders to become top performers, and well-versed with all aspects of the loan process from origination to funding
- Reviewed, prepared, and disbursed funds for refinance, purchase, VA and FHA Loans
- Assemble final loan documents and deliver loans to the servicing Department
- Book loans on the appropriate accounting system; set up servicing file
- Released funds by wire transfer or check to entitled party upon clearance of conditions and request of Closing Agent
- Entered appropriate information into loan processing systems Communicated regularly with team members on funding status and follow up on any required information
- Applied team and department "Best Practices" and continually worked for process and service improvements.
Mortgage Servicing Specialist III
Bank of America National Mortgage Outreach/NACA Events
06.2011 - 10.2015
- Interacted with Bank of America customer(s) in person who are delinquent or current and believe they are in jeopardy of becoming delinquent on their home mortgage
- Experienced in reviewing customer(s) financial hardship, analyzing household income, expenses, credit to validate hardship and derive accurate decisions in accordance with Investor's guidelines
- Comprehensive understanding of delegated authority per home loan modifications for all investor types; Fannie Mae, Freddie Mac, FHA/VA, Bank Owned Mortgages (Held-for-Investment), and Private Investors (Serviced-for- Others)
- Provide on-site underwritten decisions (solution or denied) that are within guidelines and in the best interest of the Bank, Investor, and Customer(s).
Specialty
Bank of America
01.2010 - 06.2011
- Servicing Advocate - Associate Customer Assistance
- FHA/VA/FHI knowledge of regulatory compliance Pre-approves and/or declines treatment options for customers looking for loss mitigation assistance to prevent foreclosure Analyze to borrower's outgoing monthly expenses to determine eligibility
- If eligible, create an affordable loan modification for the qualifying borrower
- Analyze income & asset documentation in comparison to borrower's outgoing monthly expenses to determine eligibility
- If eligible, create affordable loan modification for the qualifying borrower
- Dialer experience with a Call Center environment
- Exceptional customer service skills/experience
- Detailed oriented and good research skills
- Took part in opening collections department for Brea site
- Inbound/Outbound calls, customer service
- Provided assistance to delinquent account holders via repay plans, possible modifications, and payment extension
- Updated customer's financials processed mortgage payments
- Provided training to new hires.
Senior Collector
Bank of America
03.2008 - 12.2010
- Handled extensive research requirements for more complex billing problems and inquires and have extensive knowledge for the organization, products and services, as well as advanced problem solving skills
- Coached other less experienced collector on policies, procedures or problem solving skills
- Handled incoming phone calls or place outbound calls in an effort to negotiate payments or loss mitigation programs specifically on mortgage loans
- Collected on delinquent accounts rating from 1-180 days delinquent
- Utilized Loss Mitigation tools to assist customer in need of financial assistance
- Resolved diverse issues
- Ensured compliance with federal laws and company guidelines in order to minimize loan losses and legal concerns.
Processor
Ditech.com
10.1998 - 06.2006
- Analyzed and recorded all incoming documentation
- Maintained open communications with all customers
- Processed all loans in a timely manner
- Drawing loans docs/setting signing appointments
- Cleared all necessary underwriting conditions
- Sent and followed up on verifications to employers
- Provided status report on each mortgage loan for manager/loan officers Reviewed collateral packages to ensure compliance guidelines Ensured timely delivery for purchased loans
- Reviewed loan documentation for accuracy and compliance regulations.
Skills
- Experience with Conventional, FHA, VA, Jumbo loans Work well without supervision
- A self-motivator and a proven team player
- Proven ability to mentor and train new employees
- Ability to prioritize and remain focused while working well under pressure Excellent customer service and problem solving
- Excels at learning and retaining new concepts quickly Ensure files are properly prepared and shipped TRID Compliance
Timeline
Senior Funder
Unify Financial Credit Union
07.2018 - 01.2023
Senior Funder
Your Lending Co
06.2017 - 09.2017
Senior Funder
CashCall Mortgage
10.2015 - 02.2017
Mortgage Servicing Specialist III
Bank of America National Mortgage Outreach/NACA Events
06.2011 - 10.2015
Specialty
Bank of America
01.2010 - 06.2011
Senior Collector
Bank of America
03.2008 - 12.2010
Processor
Ditech.com
10.1998 - 06.2006
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