Summary
Overview
Work History
Education
Certification
Timeline
Generic

TUMMY HOLIDAY

Los Angeles,CA

Summary

Driven and energetic sales associate with 3 years experience in real estate. Highly adept at building excellent working relationships with other real estate agents, lenders, appraisers, title companies, surveyors and attorneys.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Residential- Business Locator & Placement Assistant

IVISION REALTY Housing Co
Los Angeles, CA
06.2013 - 08.2014
  • Assisted locating housing for both public and local agencies for purchasing and rental opportunities for corporate housing for executives and employees and individuals who relocate for business or residents seeking housing.
  • As a locators I worked with both property owners and realtors to help find clients suitable housing, worked with co-op agencies as well as forming new partnership with property owners and real estate firms.
  • work closely with our office managers to insure accuracy performing daily duties Calling prospective property owners and real estate companies to find the suggested housing needed Interviewed Clients Drew up rental contracts & purchase Contact CAR Forms Opened Title Order Property Reports and Appraisals Collected all forms of Identification Collected Deposits issue receipts to the client Initiated property tour with prospective clients and tenants.
  • surf the web daily for leads and homes that were for rent and sale.
  • perform all administrative duties including drawing contracts Delivered documents by US postal service, fax, electronic mail in a timely manner.

Bank of America
Thousand Oaks, CA
03.2012 - 05.2013
  • Serviced VA, FHA, HUD loans DOJ/Federal funded through Home Affordable Modification program (HAMP) and ( NON HAMP) Designed specifically to help homeowners impacted by financial hardship.
  • My responsibility was to audit the underwriter by reviewing defaulted homeowner financial hardship status and analyze all required documentation for program eligibility.
  • Corrected data if needed and the authority to decline or approve underwriter decision, provided analytical and administrative support with an internal control environment Assisted team in gathering and organizing data that helps track, report and manage internal control, gap issues and mitigation plans, substantial knowledge of operating policies and procedures.
  • Reviewed and verified all required documentation using virtual imaging, Iportal and Urban lending to analyzed documents: hardship letter, divorce decree, alimony, 1040K, 1040EZ, Pay stubs, W2, 4506T, K-1, Profit & Loss statements, From 710, Rental Income, Gift funds, Pension, Social security disability and supplemental income, award letter, food stamps and other cash aid payouts, after income calculations and validation I would enter financial data into data base HAMP / NON HAMP Calculator etc.
  • Other the documents analyzed: RMA, HOA fee statement, Dodd Frank, Flood Insurance, Fire Insurance, Appraisal, HUD statements, Title report for lien position grantor info.
  • Letter of Intent, Letter of explanation, Review and verify homeowner delinquent mortgage payments using program LAMP / Credit report, current and delinquent escrow payment using AS400.
  • Manually calculated DTI, LTV, CLTV, Unencumbered Income, Total expenditures, and surplus income to derive final figure.
  • Verified proper workout plan and placed homeowner in the appropriate program HAMP Federal Government program - NON HAMP Federal Government program.
  • Entered data into HAMP/NON HAMP Calculator for automatic approval or decline, verify and validate underwriter exceptions on decline decisions.
  • Scanned homeowners criminal history for fraud prevention certified that they had not be convicted of any crimes associated with Cybercrime, Counter terrorism, money laundering, real estate and mortgage fraud.
  • conducted research using program vendor-scope and neighborhood watch.
  • After a complete accurate review final step included a full detailed write-ups of findings was uploaded into multiple systems and submitted to rebuttal for final review.
  • Utilized (3) multiple screen while multitasking to complete project and assignments with proficiency, escalated reasons for delays, manages details of production and serve as key resource through to successful.
  • Worked with internal customers to establish and perform quality control, and assists with analysis and development of recommendations.
  • Work completed independently on general assignments and under the direction of senior staff on complex projects and analysis.

Fire & Casualty Insurance Broker/Agent

Famer Insurance Crop
03.2010 - 02.2012
  • Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
  • Calculate premiums and establish payment method.
  • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  • Confer with clients to obtain and provide information when claims are made on a policy.
  • Contact underwriter and submit forms to obtain binder coverage.
  • Customize insurance programs to suit individual customers, often covering a variety of risks.
  • Develop marketing strategies to compete with other individuals or companies who sell insurance.
  • Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
  • Explain features, advantages and disadvantages of various policies to promote sale of insurance plans.
  • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
  • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  • Install bookkeeping systems and resolve system problems.
  • Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.
  • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
  • Perform administrative tasks, such as maintaining records and handling policy renewals.
  • Plan and oversee incorporation of insurance program into bookkeeping system of company.
  • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
  • Select company that offers type of coverage requested by client to underwrite policy.
  • Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance or specialized policies such as marine, farm/crop, and medical malpractice.

General Assistant

Aames Home Loan Corporation Silicon Valley Staffing
Los Angeles, CA
05.2008 - 02.2010
  • Ordered Tile, Ordered Appraisal Reports Tracked and Analyzed REO's using program WS92 Pulled and services files accordingly to status: Listed, Offer's Acceptance, Offer's Pending, and Scheduled Closing.
  • Collected all supportive documentation for file via E-mail & U.S Mail Scheduling of property turnover and the maintaining of property at acceptable levels of sell readiness.
  • Implement clean up-clean out programs Hired property maintenance vendor's that were skilled in general plumbing, repairs, painting, and various installs.
  • Ensure that repairs were completed in a timely manner Inspect all contractor's work Approve and sign bills for payment on utilities and verified completed work order.
  • Maintain files and record of maintenance requests in the files Correspond with vendors to ensure the premise were clean at all times Countrywide Full spectrum Lending Division Pasadena, CA - Silicon Valley Staffing.

QC Loan Auditor

Re-hired
02.2005 - 12.2006

04.2007 - 09.2008
  • Define current process flows within the department being audited - review current policies and procedures for applicability Obtain all pertinent supporting reports, documentation and ancillary materials to conduct testing of policies and procedures in place Requested missing documentation from the appropriate agency Conduct tests of all critical processes within department Identify underwriting discrepancies, fraud and misrepresentation in loan files Assimilate test results into a comprehensive report for Executive Management Conduct preliminary meetings with senior management to arrive at consensus of findings for final report to Executive Management Worked with the operations liaison to resolve discrepancies, reported all findings to the appropriate department also assist with other special projects as required.
  • Program Used; Mortgage Serve, VLF, LS400, AS400 Lotus Notes and Mortgage Server.

Underwriter

Golden Mortgage Inc
Los Angeles, CA
11.2001 - 01.2005
  • Underwrote HELOC, REFI, A-D paper for 1-4 family residential loans ensuring compliance with appropriate company and secondary market standards Examines loan documentation for accuracy and completeness, worked with loan originator and production staff to secure all required documents Approved and decline loans based on risks Knowledgeable of prime and sub-prime lending Job code includes all levels of underwriting authority and exception levels; respond to individual and investor audits concerns.

Notary/Signing Agent

Golden Coast Signing Services
Los Angeles, CA
11.2001 - 02.2013
  • Provided loan document signings services to lenders and their client's title & escrow companies.
  • Signed off on 1st 2nd, 3rd, Jumble and HELOC loans.
  • Knowledgeable of traditional and double closing etc., affidavits, acknowledgments, power of attorney, wills, deeds, easement, liens, contracts, blueprints.

Loan Processor

Fidelity Mortgage Inc
Los Angeles, CA
03.1999 - 11.2001
  • Coordinate the activities of the Processing Department with other internal departments.
  • Recruit, manage and retain quality processing personnel.
  • Review loan applications for compliance and completeness.
  • Issues needs lists and follow-up on conditions.
  • Package loan files for submission to appropriate lender.
  • Understand variations in lender programs.

Loan Officer

Coordinate with Underwriting Department
  • Finance and other internal departments.
  • Coordinate with clients and loan brokers to collect required documents and provide assistance and guidance in navigating the loan application process.
  • Communicate clearly and effectively with management.
  • Implement and maintain operational procedures.
  • Provide timely evaluations for processors.

Education

PEMCO LIMITED Los Angeles, CA FHA & HUD Legal laws of Housing Urban Deployment and Fair housing, Legal Contracts 05/2014-Completion Of Training Program Nevada Real Estate School Las Vegas, NV Broker Management - Nevada State Laws & CA State Real Estate & Ethics - Mortgage Finance

Los Angeles Trade Technical College
5 2011

Associate Arts -

LA College Of Microsoft & Technology
1 2007

Diploma -

A.B Miller High School
1 1998

Certifications/Licenses Nevada Real Estate Broker: #BS.0144302 California Real Estate Broker: CalBRE: #01928649 -

Certification

HUD Certified RE Broker NAID: # JETBLU9553 CA Insurance Fire & Casualty Agent/Broker

Timeline

Residential- Business Locator & Placement Assistant

IVISION REALTY Housing Co
06.2013 - 08.2014

Bank of America
03.2012 - 05.2013

Fire & Casualty Insurance Broker/Agent

Famer Insurance Crop
03.2010 - 02.2012

General Assistant

Aames Home Loan Corporation Silicon Valley Staffing
05.2008 - 02.2010

04.2007 - 09.2008

QC Loan Auditor

Re-hired
02.2005 - 12.2006

Underwriter

Golden Mortgage Inc
11.2001 - 01.2005

Notary/Signing Agent

Golden Coast Signing Services
11.2001 - 02.2013

Loan Processor

Fidelity Mortgage Inc
03.1999 - 11.2001

Loan Officer

Coordinate with Underwriting Department

PEMCO LIMITED Los Angeles, CA FHA & HUD Legal laws of Housing Urban Deployment and Fair housing, Legal Contracts 05/2014-Completion Of Training Program Nevada Real Estate School Las Vegas, NV Broker Management - Nevada State Laws & CA State Real Estate & Ethics - Mortgage Finance

Los Angeles Trade Technical College

Associate Arts -

LA College Of Microsoft & Technology

Diploma -

A.B Miller High School

Certifications/Licenses Nevada Real Estate Broker: #BS.0144302 California Real Estate Broker: CalBRE: #01928649 -

HUD Certified RE Broker NAID: # JETBLU9553 CA Insurance Fire & Casualty Agent/Broker

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TUMMY HOLIDAY