Summary
Overview
Work History
Education
Skills
Education Certification
Skills Specialties
Timeline
Generic

Tanya Upshaw

Grand Prairie,TX

Summary

A strategic analyst, who adheres to the highest standards of excellence in managing risk, increasing revenues, and controlling costs. Operate effectively in a dynamic environment with tight deadlines, and able to prioritize one’s own work to achieve goals. I can be flexible thriving under pressure in a fluid environment and, problem solving and strong mathematic and analytical skills. I have extensive knowledge in mortgage servicing and mortgage default guidelines with a proven record of implementing the necessary controls to improve strategies and efficiencies.

Overview

17
17
years of professional experience

Work History

Contract Analyst

WellTower
Dallas, Texas
05.2024 - Current
  • Generate and execute contracts and change orders per company policy
  • Ensure contracts execution in accordance with company policy
  • Review and negotiate contract terms and payment structure associated parties.
  • Analyze contract stipulations and draft contract provisions and amendments.
  • Ensure that contractors are in compliance with legal requirements, owner specifications and governments regulations.
  • Updated records of all correspondence related to contract activity.
  • Provide advice and technical assistance with Budgets, Yardi and VendorCafe’ SmartSheet for Capital Projects.
  • Receive, research and resolve a variety of routine internal and external inquiries concerning payment/budget status, including communicating the resolution of discrepancies to the appropriate party.
  • Maintain an audit file for each contract which will include the original contract all correspondence, changes/devations amendments, clarification, and payments schedules.
  • Log and Track executed contracts, changes orders and pricing database for Redevelopment Department
  • New Vendor set up and understand and assist to optimize the adoption rate on VendorCafe’ Invoice Submission Program

Contract Specialist

Republic Elite
Dallas, TX
01.2023 - 05.2024
  • Review and Complete Pre-Contract Documents i.e., SOW, Boilerplate and/or General Terms
  • Analyze contractual requirements
  • Review, Edit, and Establish Contract Terms and Conditions in accordance with company’s policies, business specifications and legal requirement
  • Analyzing potential risks involved with specific contract language
  • Extract Scope and Submit to Sales/ Estimating for Review
  • Draft and negotiate project specific contractual supporting documents to accompany master agreements and/or boilerplates i.e., amendments or riders
  • Negotiate contract terms with internal and external parties
  • Prepare Contract Documents for Authorized Signers
  • Verify and Maintain Project Information in Smartsheet is accurate per Contract Document (i.e., Project specific Info., Compliance Requirements, Billing Info, etc.)
  • Verify all Contract Exhibits needed by internal departments i.e., Compliance Manuals (CIP, HUD, Certified Payroll) and Draw Information (Conditional/Unconditional Waivers, etc.) are Uploaded to appropriate locations

Senior Loan Processor

Supreme Lending
Dallas, TX
09.2020 - 07.2022
  • Maintains knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers.
  • As applicable, orders appraisals, title, survey, verifications, and any other items required for loan approval; conducts regular follow-ups with outside sources regarding outstanding documents.
  • Analyze borrower’s financial statements and with previous statement, verify if there any trends financial income; communication through the conversation log; ensures loan application follows Underwriting, Investor, RESPA, and HMDA guidelines.
  • Calculates income, reviews assets and liabilities.
  • Reviews all disclosures for completeness and compliance. Insuring all condition are met for post-closing.
  • Completes final evaluation and analysis of completed application packages and submits eligible files specifying any applicable conditions.
  • Monitors rate lock information for data integrity and expiration dates; communicates discrepancies to the Loan Officer.
  • May maintain accurate pipeline to ensure proper projections, closings, and regulatory compliance with Company, Federal, and State standards.
  • May schedule closing appointments with respective parties (i.e., title companies, closing attorneys, corporate closing department and customers etc.) Meets customer service standards as outlined by management.
  • May facilitate training of junior or newly hired processors regarding specific operations including file flow, loan origination software, and other applications.
  • Updates loan officer, loan officer assistant, realtors, builders and customers on loan status.
  • Maintains communication with customers throughout the loan process, assisting them with any questions and notifying them of any additional requirements.
  • Maintains a professional image and adheres to standards consistent with company policies and procedures.

Mortgage Team Lead / Analyst, Bankruptcy Specialist II, Customer Operations Specialist II – Case Manager Special Project, Sr Loan Modification Underwriter and Senior Loan Processor and Sr. Loan Modification Processor

Chase Bank
Fort Worth, TX
08.2010 - 08.2020
  • Case Manager Lead, helped team by running daily reports, distributing, and balancing workload and task among employees in accordance with established workflow and making adjustments to accomplish the workload in accordance with established priorities
  • Developed an area of expertise and company knowledge that has improved customer service skills and department needs
  • Initiate interpretation, verbally and written, on regulation, instructions, and policies relating to each department
  • Applies payments received directly from customers and from trustee conduits towards appropriate balance as outline in bankruptcy case and in accordance within investor/insurer guidelines.
  • Conducts post reviews evaluation on corrective action findings, from all written reports
  • Perform extensive investigation on lost, misapplied, or misappropriated payments and resolve/escalate discrepancies
  • Provide in-depth, expert level comment and recommendation on complex issues involving payment disputes, escrow discrepancies/changes, ARM changes, inaccurate mortgage assignments and policies
  • Manage and monitor track fraud matters, including preparing bankruptcy Payment history Proof of Claims for Chapter 7 and 13
  • Evaluates risk accounts are handled in full policy compliance with applicable Bankruptcy rules, Company and State regulation
  • Process all paperwork associated with each case, either manually or electronically, including but not limited to filing claims, NOTE, Security Instrument and Title
  • Analyzes account status upon receipt into BK Department and determine the best course of action to maximize company recovery within established Policy and Procedure.
  • Plan, direct and participate in formal evaluations with Firms/Attorneys to retrieve and provide documentation and loan level date and outside counsel
  • Assist with processing and payment outside counsel invoices
  • Maintain a proper knowledge and understanding company policies
  • Gather information from the U.S Bankruptcy Court present
  • Gather information and take each file from pre-approval to closing. Validate accuracy of all loan data completed and accurate verifying that it complies with company policy and reporting
  • Verify loan documents including income, credit, appraisal, and title insurance preparing application for submittal to underwriting.
  • Review credit reports of the borrower along with verifying the borrower’s credit history in terms of debts and payments.
  • Ability to make decisions and order and coordinate loan documents and input proper loan information into the system for processing in a timely manner.
  • Performed quality control audits ensuring that 30 Day missing information letters are within guidelines as set forth by investor

Senior Loan Processor

Accounting Principles (Suburban Mortgage)
Addison, TX
01.2010 - 08.2010
  • Processed and validated FNMA/FHLMC, FHA/VA, Conventional loans from initial setup through submission, calculation credit worthiness including running loans through all AUS systems.
  • Registered individuals for homebuyer’s education classes; coordinated between borrower and loan officer regarding testing.
  • Coordinated all required conditions between borrower, underwriter and loan officer, clearing any title or appraisal issues.
  • Interacted and communicated status of loans with customers, underwriters, loan counselors, investors and title companies

Sr. Underwriting Analyst and Modification Underwriting Assist

DISYS (Fannie Mae)
Dallas, TX
10.2008 - 12.2009
  • Reviewed loan documentation to ensure loan packages are complete and follow up with lenders on outstanding file request.
  • Assisted in resolving repurchase or make-whole request for lenders, drafted repurchase letters and responded to lender rebuttals.
  • Performed loan level reviews for quality assurance, misrepresentation, and risk; Analyzed and reported on loan quality issues, recommending changes to meet guidelines.
  • Facilitate meetings with managers, business associates, while tracking concerns and/or issues and providing solutions
  • Monitored corrective actions while assisting in analyzing modifications and short sales.
  • Reviewed underwriting post-closing packages to ensure that financing structure and underwriting quality are within acceptable risk parameters.
  • Rate transactions for loan and underwriting risk. Coordinate with Legal to close approved deals.
  • Prepared reports to summarize loan reviews, ratings, and/or underwriting patterns and practices.
  • Resolved complex repurchase or make whole requests. Investigated lender responses and rebuttals to resolve significant issues.
  • Provide support documentation to the LRS that includes: appraisal, BPO, and HUD-1.

Education

Associate Arts -

Blinn College

Skills

  • FHA Connection
  • Vendor Café
  • VA Portal
  • Loan Soft
  • Analytical Skills
  • Quality Assurance
  • PMI Payments and Collections
  • Contract negotiation
  • Contract drafting
  • Vendor management
  • Problem solving
  • Attention to detail
  • Effective communication
  • Team collaboration
  • Time management
  • Workflow management
  • SmartSheet
  • Escrow Analysis
  • Team Lead
  • Mortgage Consumer Banking
  • FHA Insuring
  • Encompass
  • Compliance
  • Calyx Point
  • Loan Processing
  • Credit Risk
  • Mitigation Underwriting & Processing

Education Certification

  • Blinn College, Associate Arts
  • Notary of TX

Skills Specialties

  • FHA Connection
  • Vendor Café’
  • VA Portal
  • Loan Soft
  • Analytical Skills
  • Quality Assurance
  • PMI Payments and Collections
  • SmartSheet
  • Escrow Analysis
  • Team Lead
  • Mortgage Consumer Banking
  • FHA Insuring
  • Encompass
  • Compliance
  • Calyx Point
  • Loan Processing
  • Credit Risk
  • Mitigation Underwriting & Processing

Timeline

Contract Analyst

WellTower
05.2024 - Current

Contract Specialist

Republic Elite
01.2023 - 05.2024

Senior Loan Processor

Supreme Lending
09.2020 - 07.2022

Mortgage Team Lead / Analyst, Bankruptcy Specialist II, Customer Operations Specialist II – Case Manager Special Project, Sr Loan Modification Underwriter and Senior Loan Processor and Sr. Loan Modification Processor

Chase Bank
08.2010 - 08.2020

Senior Loan Processor

Accounting Principles (Suburban Mortgage)
01.2010 - 08.2010

Sr. Underwriting Analyst and Modification Underwriting Assist

DISYS (Fannie Mae)
10.2008 - 12.2009

Associate Arts -

Blinn College

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Tanya Upshaw