Shayla Ohrn
Farmington,UT
Summary
Results-driven finance processional specializing in residential and commercial mortgages, real estate, credit analysis, and auditing, aiming to contribute expertise in financial management to a dynamic team in a challenging role.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Negotiations Specialist
Beyond Finance
01.2023 - Current
- Outbound calling to creditors and collection agencies nationwide to settle debts on behalf of clients who sign up with the company
- Negotiate settlements on existing past due accounts for clients with financial hardships.
Valuation Specialist/Jr. Commercial Underwriter
Mortgage Connect
07.2022 - 12.2022
- Help appraisers and real estate agents to obtain reports and BPOs for values on homes for underwriting conditions
- Helped underwriters as Jr underwriter by obtaining documentation from processors and loan officers for a complete submission package to underwriting.
Loan Processor
PRW Lending, Inc.
02.2021 - 07.2022
- Current working knowledge of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage procedures, processes, and documentation to complete and close loans
- Analyze credit reports, income, and asset documents, as well as general ways to structure a loan
- Use of automated underwriting systems and knowledge such as DU and LP to pre-approve loans
- Possess lender experience using loan origination software such as Encompass and Point.
BPO Specialist II
Select Portfolio Servicing, Inc
01.2020 - 11.2020
- Recruited and negotiated prices with appraisers to complete appraisals nationwide, PR & HI
- Top performer in recruitments for many months
- Reviewed completed appraisals for accuracy
- Used all resources possible to find the closest appraisers to properties
- Also audited BPOs
- Worked on many systems.
Credit Advisor
CreditRepair.com
03.2016 - 01.2020
- Answer inbound calls from members who have questions regarding their credit and how to increase and repair their credit
- Educated members on credit
- Had very extensive training on how credit works and how to repair it.
BPO Specialist
Mainstreet Valuations
03.2012 - 01.2017
- Audit final BPO's (Broker Price Opinions) of REO's that real estate agents prepared for our investors and banks
- Also, obtain and audit appraisals from appraisers
- Return to agents if corrections are needed
- Communicate via email and phone
- Negotiate prices.
Centralized Disclosures Specialist
Academy Mortgage
11.2014 - 02.2016
- Prepare Initial disclosures for mortgage loans and send to borrowers via email
- Notified by ticketing system when an application is generated from either the loan officer or from the borrower via online application
- Disclose before deadlines
- Also, re-disclose when a change of circumstance is needed
- Continual compliance training as it comes
- Answer compliance and disclosure questions
- Also, helped in the ECOA and HMDA department
- Went through many trainings for TRID.
Loan Processor/Closer
Castle & Cooke Mortgage, L.L.C
11.2011 - 10.2014
- Prepare and audit mortgage closing documents for Conv, FHA, USDA, VA, and 203K loan closings
- Communicate via email and phone
- Work in DataTrac, Document Trac, MS Suite, Encompass, Point and ConformX
- Figure APR and finance charges for loans for RESPA and MDIA compliance
- Processed and worked with underwriters and funders for completion of loans
- Approve HUDS to help with funding.
Loan Processor/Closer/Escrow Specialist
Primary Residential Mortgage
03.2006 - 10.2011
- Processed and prepared mortgage closing documents for loan closings
- Communicate via email and phone
- Work in DataTrac, DocumentTrac, ConformX, DocuPrep, and Compliance Ease
- Figure APR and finance charges for loans for RESPA and MDIA compliance
- Work with underwriters and funders for completion of loans
- Also assist in shipping and insuring for FHA loans.
Education
High school diploma - Finance
South Pointe High School
Sandy, UT06.2003
Skills
- Customer Service
- Mortgage experience
- Real Estate
- Detail oriented
- Problem Resolution
- Encompass
- Loan Processing
- FHA & VA
- Mortgage Loan
- Word Processing
- Escrow
- Tax Experience
- Auditing
- Account Management
- Underwriting
- Property Management
- Account Reconciliation
- Credit Analysis
- Office Management
- Loan Officer Experience
- Management
- Banking
- Documentation Review
- Sales
- Quality control
- Microsoft Excel
- Mortgage servicing
- Microsoft Office
- Financial services
- Accounting
- Customer service
- Customer relationship management
- Loan origination
- Microsoft Outlook
- Writing skills
- Communication skills
- Filing
- Salesforce
- Market research
- Data entry
- Typing
- Credit analysis
- Account reconciliation
- Asset management
- Negotiation
- Financial auditing
- Microsoft Access
- Tax experience
- Accounting software
- Analysis skills
- Fair Housing regulations
- Fraud prevention and detection
- Outbound sales
- Document management
- Windows
- Compliance management
- Document management systems
- Operating systems
- Account management
- Google Suite
- Problem management
- Technical support
- Bookkeeping
- Property management
- Portfolio management
- Cash flow analysis
Certification
Willing to get license in 90 days
Personal Information
- Title: Financial Specialist
- Work Permit: Authorized to work in the US for any employer
Timeline
Negotiations Specialist
Beyond Finance
01.2023 - Current
Valuation Specialist/Jr. Commercial Underwriter
Mortgage Connect
07.2022 - 12.2022
Loan Processor
PRW Lending, Inc.
02.2021 - 07.2022
BPO Specialist II
Select Portfolio Servicing, Inc
01.2020 - 11.2020
Credit Advisor
CreditRepair.com
03.2016 - 01.2020
Centralized Disclosures Specialist
Academy Mortgage
11.2014 - 02.2016
BPO Specialist
Mainstreet Valuations
03.2012 - 01.2017
Loan Processor/Closer
Castle & Cooke Mortgage, L.L.C
11.2011 - 10.2014
Loan Processor/Closer/Escrow Specialist
Primary Residential Mortgage
03.2006 - 10.2011
High school diploma - Finance
South Pointe High School