Chris Cochis Email & Phone Number

Lexington, Kentucky, United States

Provide support during the escrow process of real estate transactions including, but not limited to: opening title orders; communicating with lenders, realtors and customers to obtain all necessary information for a successful transaction; after closing, obtaining funding authorization, when necessary, from lenders; review of a file for complete signatures and notarizations; verifies balances and disburses funds in accordance with instructions.•Process escrows: funding/balancing, figuring, clearing prelims, and signing clients.•Orders all necessary documents to close escrows promptly (i.e., demands, loan documents, and insurance).•Maintain communication with all partners involved in escrows.•Deposits any funds required by buyers and sellers of each escrow within 24 hours of receipt.

Kentucky, United States

•LDRM Contractor•Conduct research on key performance indicators and present findings to the operations management team.•Clean and analyze data to identify problem areas and suggest improvements.•Present data in the form of charts, graphs, diagrams, pictures, etc. to stakeholders.•Participate in design and development of the implementation of new projects.•Work with the training team to develop employee training material.

Lexington, Kentucky, United States

•Responsible for underwriting loan requests up to $1.7 million. Underwrote between two and three loans per day, average loan amount was $500,000, with an annual portfolio principal balance valued over $200 million. I used analytical skills to review an applicant’s credit history, income, and assets to make an informed lending decision. I used my excellent organization skills to prioritize daily tasks between underwriting new loans, reviewing the work of junior underwriters, reworking conditionally approved loans, answering phone calls and emails, attending meetings. I used my professional communication and interpersonal skills to collaborate with multiple groups, departments and external stakeholders to increase the firm’s lending portfolio.•Used professional communication and interpersonal skills to collaborate with multiple groups, departments and external stakeholders in order to minimized risk and increase the bank’s lending portfolio.•Acted as a subject matter expert for junior underwriters.•Provided continuous improvement education and training to junior underwriters.•Review both conventional (Fannie Mae/Freddie Mac) and portfolio applications (QM and Non-QM).•Review mortgage loans for compliance with all federal and local regulations when applicable including: BSA/AML, TRID, ATR/QM, OFAC, HMDA, RESPA, TILA.•Review all customer income types: W2, 1099, self-employed K-1 and 1120 corporation, retirement, rental income, asset-based income.•Review credit reports.•Review assets statement (bank statements, brokerage statements, retirement statements, life insurance policies with a cash surrender value, and etc.).•Review appraisals and titles for accuracy to ensure they meet the investor guidelines.

Birmingham, Alabama, United States

•Reviewed both approved and declined mortgage applications for errors. If errors were uncovered appropriate feedback was given to both the underwriter and management. I used my professional communication and interpersonal skills to partner with multiple departments to help the firm mitigate its regulatory compliance risk. I worked with senior management on projects related to asset purchases on the secondary mortgage market.•Helped maintain the mortgage operations department’s compliance requirements.•Researched regulatory compliance requirements to ensure internal policy met government guidelines.•Worked on projects to identify and assess the company’s risk and control procedures.•Used my professional communication skills to support management’s compliance programs including developing training and reference materials.

Birmingham, Alabama, United States

•Underwrote mortgage modification applications.

Bachelor Of Science - Bs, Commerce And Business

Post-Baccalaureate, Paralegal Science

ABA approved paralegal program.