Darlene Keller Email & Phone Number

Corona, Ca, Us

Corona, Ca

Providing Loan Processing Services for CA Mortgage Brokers and Loan Officers statewide. At DDK Mortgage Services, our goal is to provide executive level processing services to every one of our clients. We earn the business of each loan originator through every transaction we close, and we're only as good as our last loan closed. We take pride in providing a hands-on, personal approach combined with excellent customer service to you and your clients. Upon our initial interview to set up services, we determine how you prefer to work and can adjust our process to help best meet your needs. Work with someone who wants your team to win. Contact us today to find out if DDK Mortgage Services for Loan Processing is a good fit for you.

San Juan Capistrano, Ca

Responsible for oversight and management of the Loan Processing Department ensuring all loans submitted by Loan Officers are expedited to their designated Lender's LOS within the operating expectations of the office. Maintain relationships with all parties, to include but not limited to; Borrowers, Lenders, Realtors, Escrow, Title and Appraisal Management Companies. Once a loan is originated by the loan officer, responsible for reviewing, prepping and organizing the supporting documents submitted in order to transmit a complete package over to the lender for approval. Open Escrow / Title services, assist Loan Officers with structuring loans, preparing qualified loans for TBD Underwriting submissions, prepare and send initial loan disclosures ensuring compliance and accuracy. Verify documents including income, assets, credit, appraisal and title insurance ultimately preparing application for submittal to underwriting. Review file documentation to make sure all items needed are requested. Order and coordinate loan documents. Meet crucial deadlines requested. Perform any additional duties/activities assigned by management.

Irvine, Ca

Responsible for the oversight of branch operations, to include, but not limited to the development and maintenance of all branch policies, procedures, marketing material and business strategies. Provide support to loan officers by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.Assist Branch Manager with providing outstanding customer service, representing the branch in the Branch Managers absence, taking care of escalated client concerns and reporting sales activities, which include lead tracking, loan level management, acting as the role of loan officer when necessary, completion of expense reports, branch payroll and accounting.

Irvine, Ca

Responsible for the oversight of branch operations, to include, but not limited to the development and maintenance of all branch policies, procedures, marketing material and business strategies. Ensuring operational integrity and risk management by assuring that procedural requirements and processes are known and utilized. Assist the Branch Manager with maintaining the strong client referral base that is brought into the Branch pipeline as a result of selling the company’s loan products and services to meet the needs of its client base in order to develop new business and/or retain existing business.Assist Branch Manager with providing outstanding customer service, representing the branch in the Branch Managers absence, taking care of escalated client concerns and reporting sales activities, which include lead tracking, loan level management, acting as the role of loan officer and processor support when necessary, completion of expense reports, branch payroll and accounting.Responsible for ensuring the branch has all tools and infrastructure necessary to maintain working order and assuring the attainment of branch goals. Provide direction, leadership and motivation to ensure that the branch team achieves service, sales and operational goals. Develop strategies for and maintain the branch Loan Management Software, Contact Management System (CRM), Marketing Platforms and Social Media websites.Also assist with the management of staff and carrying out supervisory responsibilities in accordance with the organization's policies and procedures.

Irvine, Ca

Acted as Executive Assistant to the CEO and SVP as well as Valuations Manager, REO Asset Mgr. Conducted vendor oversight and management of the overall disposition of the REO Asset Portfolio, maintained vendor oversight relations, ensured client timelines were met, made necessary efforts to maximize return and minimize any potential losses. Developed initial policies and procedures for internal and outsourcer use as it relates to the REO process. Produced the company Statement of Work for all REO Outsourcers, multiple templates for creating the client preferred marketing plans, reductions and offer write-ups for final approval submission. Reviewed and corrected Master Service Contracts for final management approval to complete the approval process to use a prospective vendor. Responsible for oversight and management of all title review and curative, validation of deeds and all other closing related documents in order to complete liquidation in a timely manner.Outsourcer management of "cradle to grave"​ liquidation, vetting of marketing strategies, evaluation of capital expenditures, ensuring "out of the box" strategies are being performed during all stages of REO, managed exception reporting, acted as a mentor for outsourcers and team associates to include completion of special projects. Identified alternative marketing strategies such as auction and rental strategies when appropriate.Developed the initial rental analysis and repair analysis template calculations for REO in order to further validate and justify suggested marketing strategies. Worked with system development in effort to implement the most effective performance both internally and for the vendors utilizing the system.Presented asset detail in client meetings when needed and held / directed weekly meetings with vendors in order to address and improve any issues from the previous week in effort to enhance overall performance.

Irvine, Ca

Responsible for the development/implementation of vendor oversight infrastructure and strategies for the purpose of managing multiple vendor and client relationships. Developed, implemented and effectively maintained company approved policies, procedures, business logic and back office operation. Performed comprehensive valuation Quality Control reviews with a final reconciliation analysis provided. Monitored and ensured that the valuation policies and procedures were in compliance with client regulations and requirements. Provided reconciliation of values for the purpose of review to approve or deny short sale listings and offers for the Loss Mitigation and Portfolio Management Team. Processed multiple bulk valuation orders for the client to review to determine direction during the loan pool bidding process as it relates to validating current asset market value.

Portfolio Management and Client Relations. Assisted as a mentor for a team of asset managers with support members managing a large portfolio of properties acquired through foreclosure to include special projects.Leader in monthly sales with an average individual portfolio of 250+ properties, 25%+ liquidation rate and 99%+ net execution.General Office: Built policies and procedures for new client relationships. Provided necessary training for the REO Asset Management staff located in multiple office branches. Marketing: Established marketing strategies with the assigned broker using information obtained in BPO and Appraisal reports. Served as a single point of contact between assigned broker and client. Offers: Negotiated viable sales offers received within established parameters, adhering to investor guidelines, approved marketing strategy and presented to client when required per authority matrices.Closing: Managed all properties through the closing process, contacted assigned escrow companies, lenders and other relative parties to resolve any issues to ensure the sale closes on schedule.

Management of properties acquired through foreclosure & resale of new model properties for all states. Refurbished and listed properties for the purpose of immediate marketing and liquidation.• Monthly sales with an average individual portfolio of 280+ properties, 20%+ liquidation rate and 98%+ net execution.• General: Managed a portfolio of high risk properties to include any and all aged files.• Marketing: Established marketing strategies with the assigned broker using information obtained in valuations.• Offers: Reviewed all viable contracts and negotiated offers with broker, adhering to investor guidelines, approved marketing strategy and presented to client when required per authority matrices. • Closing: Managed files through the closing process and worked along side the closing department to resolve any issues.

Managed a portfolio of properties acquired through foreclosure for the purpose of immediate marketing and liquidation.Monthly sales with an average individual portfolio of 200+ properties, 20%+ liquidation rate and 98%+ net execution.General Office / Title: In charge of maintaining and marketing aged inventory. Reviewed title and worked directly with title companies to clear any outstanding title issues during pre-marketing. Marketing: Reviewed values for variance and established a marketing strategy comparing values, local market and comparable properties to come up with a listing price at or above fair market value. Contacted, hired and trained real estate brokers to market the properties nationwide. Ordered BPO, Appraisal and Property Condition Reports. Managed properties through redemption. Offers: Reviewed all viable contracts, negotiated offers with the broker, presented to management when required per authority matrices. Reviewed and wrote up contracts for brokers to review with buyers on all accepted offers.

Assistant for 2 Asset Managers. Total portfolio of 400-500 properties. Pre-marketing duties for all files nationwide. Pre-Marketing: Verified occupancy and proceeded with obtaining any necessary contractor bids. Once received, reviewed with Asset Manager to determine approval. Reviewed and approved contractor bids per authority matrices, such as: Re-Key, Trash out & Yard, and Repair. Prepared file to assign, trained brokers once assigned, obtained all necessary documentation to proceed to marketing. Ordered BPO, Appraisal, and Property Condition Reports. Followed up on and reviewed all completed BPO, Appraisal and condition reports. Title / Legal: Reviewed title and addressed any outstanding issues with Asset Manager, Foreclosure Attorney and Title Company for resolution. Followed up with Foreclosure Attorney for recording of Foreclosure Deed and reviewed vesting for accuracy. Marketing: Reviewed and prepared price reductions / extensions for the Asset Manager approval. Contacted broker to advice price change and/or extension. Followed up with Broker for MLS printouts to maintain in the manual files.

Responsible for the oversight of the firm’s orders and management of Jr. Ops team members. • Performed quality control, approved and rejected any orders, from all processors, ready to present to the clients.• Processed orders between various clients and vendor’s overflow direction input for new productivity enhancements. • Responsible for mitigating any issues with products and personnel. • Trained and mentored new hires. Wrote templates and procedures to assist new team members. Highlights:• Promoted from Sr. Ops Support to Ops Team Lead in September 2004• Associate of the Quarter – 2nd Qtr 2004 Recognition Reward• Associate of the Quarter – 3rd Qtr 2004 Recognition Reward• Received 11 Associate Reward Nominations 2003-2004

Broker License, Broker Education, Pass

Ca Real Estate Sales Associate, Ca Real Estate, Tbd

In progress of completing education to obtain a real estate broker license.

Nmls License, Mortgage Loan Origination, Tbd

Currently Enrolled and in process of completion

Associate Degree, Science/Art For Graphic Design

Worked on my education in graphic art and design.