Summary
Overview
Work History
Education
Skills
Timeline
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Val Sanchez

Val Sanchez

Fort Worth,TX

Summary

Motivated sales professional with proven record of boosting sales and customer loyalty through individualized service. Resourceful individual skillful in learning customer needs, directing to desirable merchandise and upselling to meet sales quotas. Committed to strengthening customer experiences with positivity and professionalism when answering requests and processing sales.

Overview

11
11
years of professional experience

Work History

Sales Estimator

TK Airport Solutions
04.2023 - Current
  • Prepares work to be estimated by gathering proposals, blueprints, specifications, and related documents
  • Maintains contact and relationships with private individuals and other organizations
  • Computes cost by analyzing labor, material and time requirements
  • Research, sourcing, negotiating and obtaining the best prices and quotes from suppliers and subcontractors
  • Presents prepared estimates by assembling and displaying numerical and descriptive information.

Loss Mitigation Underwriter

Colonial Savings
06.2019 - 04.2023
  • Determines Borrower eligibility for loss mitigation workouts such as Short Sales, Deed in Lieu, Forbearances, Repayment plans and Modifications based upon HUD, FHLB, USDA, VA, FANNIE MAE, Credit Unions criteria
  • Calculate modifications principal balance capitalization for approved retention options
  • Taking into accounts past interest, escrow and 3rd party advances
  • Maintain strict adherence to all client guidelines, state and federal laws and regulatory requirements, including compliance policies and time frames
  • Extensive knowledge of investors insurer workout guidelines and functional knowledge of residential documents.

Lead Distribution

Penny Mac
01.2015 - 06.2019
  • Lead Negotiator and formalize retention or liquidation workout solutions with defaulted borrowers, in an effort to avoid the completion of foreclosure and to mitigate loss to the borrower, company and investor, in accordance with all federal, state and local regulations and Penny Mac policies and procedures
  • Negotiate and finalize specific terms of retention or liquidation workout solution with borrower
  • Analyze financial statements, loan documentation and other relevant data to determine best workout solution
  • Conduct gain/loss analysis on loans to project any potential future loss versus the acceptance of a short sale, deed in lieu, or cash for keys
  • Facilitate disposition efforts with borrowers, loan officers, attorneys, real estate agents, title companies and/or other third parties
  • Follow up as needed to ensure closure of approved deals
  • Educate and counsel borrower on workout options and the implication of each option
  • Obtain transaction approval by preparing deal package for management review
  • Present liquidation offers that may result in a loss to management that will result in the maximum return for the company/investor
  • Maintain current status of each deal in loan servicing system; provide updates to management as needed; and gather documents for investor reporting
  • Initiate contact with customers who have defaulted on their mortgages
  • Contact is made through phone calls
  • Review delinquent mortgages on a daily basis to ensure proper resolution
  • Perform other duties as assigned.

Underwriter/Sr. Loss Mitigation Specialist III

BSI Financial
07.2013 - 01.2015
  • Utilizes creativity and professional judgment; and knowledge of investor requirements to determine, recommend and prepare loss mitigation methods such DIL, short sale, modification, repayment plans or forbearance plan, in the most cost-effective manner
  • Input data and conducting analysis utilizing various tools to facilitate the credit deaccessioning process for Mortgage borrowers
  • Prepares Modifications, Short Sales, DIL, HAMP
  • Develop strategies based on analytics, within FNMA guidelines, that will prevent credit loss and minimize forward roll rates
  • Underwrite mortgage loans for Fannie Mae, Freddie Mac, FHA and VA
  • Ensure loan files meet investor, regulatory and company guidelines
  • Calculating risk, negotiating terms and condition
  • Monitors Repayment and forbearance agreements
  • Follow up with attorney regarding postponing, holding and canceling sale dates
  • Collection loan documents for processing
  • Work with 14 states with Hardest Hits Funds (HHF) programs.

Education

High School Diploma -

Diamond Hill Jarvis
Fort Worth, TX
1994

Skills

  • Bilingual with Strong oral and written communication skills
  • Self-motivated, customer focused, and goal-oriented team player who works well in a team environment and makes a personal commitment to the success of the team
  • Demonstrates a high level of attention to detail and concern for accuracy and consistency in results
  • Proven capable and reliable in handling multiple tasks and the ability to work efficiently in a fast-paced environment where changes are frequent to meet the needs of business

Timeline

Sales Estimator

TK Airport Solutions
04.2023 - Current

Loss Mitigation Underwriter

Colonial Savings
06.2019 - 04.2023

Lead Distribution

Penny Mac
01.2015 - 06.2019

Underwriter/Sr. Loss Mitigation Specialist III

BSI Financial
07.2013 - 01.2015

High School Diploma -

Diamond Hill Jarvis

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Val Sanchez