Sigi Barkat

• Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
• Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
• Primarily receive inbound calls from consumers for assistance with billing inquiries, payments, credits, fraud alerts
• Assisting discrepancy with originating new or refinance loans
• Consistently achieved 90% or Higher rankings company-wide in queue resolution, dollars and calls made month-over-month.
• Improved customer satisfaction by addressing and resolving complaints efficiently.
• Enhanced company reputation through exceptional customer service and follow-up on inquiries.
• Streamlined communication channels for quicker problem-solving and increased customer loyalty.

• Analyze financial data and credit report in order to calculate accurate gross and net income, expenses, and ratios
• Calculate income to perform loss mitigation treatment eligibility analysis using provided and proprietary tools
• Analyze applicants' financial, status, credit, and property evaluations to determine feasibility of granting loans
• Evaluating Conventional Loan applications and files for compliance with company underwriting guidelines using automated system.
• Improved loan approval rates by meticulously reviewing and verifying application documentation.
• Reduced p time for mortgage applications through diligent management of underwriting tasks.
• Balanced competing priorities effectively to meet strict deadlines for multiple loan applications simultaneously.
• Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
• Reduced processing time for mortgage applications through diligent management of underwriting tasks.
• Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
• Collaborated with loan officers to clarify applicant information and expedite underwriting process.

• Providing clients with detailed mortgage loan information pertaining to investor specific guidelines
• Mortgage loan information for loan workout modification options.
• Maintained current understanding of market conditions, compliance standards and best practices.
• Ability to pay by collections appropriate financial information from clients to assist with curing Mortgage delinquency
• Counseling clients on all potential retention and liquidation options in a professional manner
• Consistently achieved 80% or Higher rankings company-wide in queue resolution, dollars and calls made month-over-month
• 90%+ quality assurance scores while following federal, state, local, and company guidelines
• Actively participated in planning and execution of all department activities sponsored by Spirit committee
• Earned recognition as top performer consistently exceeding targets throughout my tenure as specialist in field.
• Enhanced team productivity by streamlining processes and implementing time-saving strategies.

Maintained clean and well-organized production areas to avoid violations or unnecessary work delays due to hazards or inefficient layouts.

• Optimized customer experience by delivering superior services and effectively troubleshooting issues.
• Created and managed project plans, timelines and budgets.
• Supervises staff, including prioritizing and assigning work with tracking attendance proving time-off requests and providing coaching and training.
• Increased team productivity by implementing efficient workflows and setting clear expectations for staff members.
• Streamlined operations for increased efficiency through regular process reviews and implementing necessary changes.

• Improved loan approval rates by meticulously reviewing and verifying application documentation.
• Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
• Contributed to policy updates by staying current on market trends and sharing insights with underwriting team.
• Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
• Analyze financial data and credit report in order to calculate accurate gross and net income, expenses, and ratios
• Reduced processing time for mortgage applications through diligent management of underwriting tasks.
• Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.

• Submission files to underwriting through closing loan approval conditions- complete conditions and submit to underwriting
• Streamlined operations for increased efficiency through regular process reviews and implementing necessary changes.
• Reviewing loan applications for completeness and accuracy
• Negotiate payment arrangements to help our clients meet their obligations
• Modified underwriting programs for individual client needs and accurately communicated payoffs/ repayment plan
• Assisting Supervisor with overflow Escalations calls and helped Supervisor to lead Team members to better success.
• Increased team productivity by implementing efficient workflows and setting clear expectations for staff members.
• Reduced employee turnover by fostering positive work environment and providing ongoing feedback to staff members.