Charles Dodd Email & Phone Number

United States

Rancho Santa Margarita

Irvine Ca

• Evaluate and calculate all types of income – W2, 1099, Self-Employed.
• Review a high volume of submission packages per day – 50-per day on average.
• Review potential clients for the best possible loan programs which fit their needs.
• Basic review of real estate appraisals.
• Work directly with sales to gather all necessary documentation.
• Review and approve loans for FHA, VA, Fannie, and Freddie Mac using their guidelines using DO/DU

Rancho Cucamonga

• Managed individual accounts at the 30, 60 and 90 day late account level.
• Negotiated payment arrangements to keep borrowers from defaulting and foreclosure rates at a minimum.
• Responsible for borrower follow up in order to allow for early intervention and preempt future delinquency.
• Accountable for locating borrowers whose current contact information is inaccurate through skip tracing tools.
• Expected to meet 90% or greater quality control and monitoring on a monthly basis.
• Solicited hardship packages and/or loss mitigation options.

• Interview, hire, train and manage Loss Mitigation Underwriters and Collectors.
• Quality Control review of each employee’s progress monthly.
• Provide final underwriting approval for all loan modifications, short sales and deed in lieu of foreclosures.
• Prevent foreclosure actions by placing customers on Forbearance payment plans, negotiate Short-sales, Modifications (HAMP and Traditional) Deed –N-Lieu and unemployment programs under FHA/HUD guidelines.
• Request and review BPO’s on the subject property as well as verify current occupancy status.
• Performed detailed underwriting on workout packages from borrowers to determine affordability and what the best option for the borrower, the company and the investor.

Santa Ana CA

Team Leader of the Audit Department. Monitors interviewers who are investigating mortgage fraud

Irvine Ca

Irvine, CA

Originating and Underwriting

Orange Ca

Collections, foreclosure prevention and 1st and 2nd mortgages

Northridge Ca

Handled loans in and out of foreclosure. Negotiated reinstatement's and formatted repayment plans. Made final decisions if loans went into foreclosure or not.

Irvine Ca

Collection, Pre- Loss Mitigation