Collect payments for 120 day and up delinquent borrowersEducated borrowers on home retention and liquidation options plansTake borrowers financial budget (income and expenses) to evaluate affordability, and gather any proof of income, if applicable Approved repayment plansEvaluated and recommend workout options such as; modification, short sale, and deed in lieu of foreclosureUnderwrite loans for modification based on FHA, VA, Conventional guidelines, and made approval recommendations.Calculate income using documentation such as paystubs, W2’s, tax returns, financial statements, SSI / Disability, rental income, retirement and annuity incomeOrdered credit report, in order to verify expenses for assistance in determining debt to income (DTI) for loan modification Reviewed sales contracts, pre-approve letters, settlement statements/ HUD-1, and hardship letters, for authenticationOrder and reviewed appraisal with attached comparable Sales to confirm Loan-to-value (LTV)Negotiate settlement statements/ HUD-1 with brokers, title companies, or second lien holders in order to provided acceptable net profit for short saleCommunicate decision and terms of home resolution plan with borrowersx

• Oversee and lead the day-to-day operations of a Houston TX start-up sales and install company• Developed and reviewed spreadsheets for tracking sold deals, commission, and solar leads• Performed weekly meetings with account managers for accuracy, updates, and efficiency on solarproject• Developed policies and procedures for solar sales and account management• Trained sales reps and account managers on pipeline management• Managed solar installation crews, ensuring on time installs, and completion of project• Build and maintain relationships with solar installers and other authorized dealers for possible joinventures• Performed audits of third party call center confirmed appointments recordings, and call list dataanalytics• Oversee the budget for operations sold deals, install cost, ensuring cost-effectiveness and financialresponsibility• Generate new solar lead customers by door knocking, cold calling, and via social media ads• Provide solar presentation to homeowners via in person, zoom (video), or phone (virtual)• Negotiate contracts with homeowners if applicable, and sold Power Purchase Agreement, Leaseor Loan products to homeowners• Follow-up with solar leads and closed deals weekly, to spark homeowner interest, or providedupdated on solar status• Build and maintain relationships with existing homeowners to seek new potential deals forreferrals• Build and maintain relationships with solar installers and other authorized dealers for possible joinventures• Managed a team of 10 including appointment setters and closers• Performed weekly meetings with sales team to maximize profit by upselling or cross-selling• Audit sales agents sold deal documents for accuracy and completeness• Plan and present reports on account progress, goals, with team members, stakeholders, andpossible use in future case studies or for training• Reviewed and analyzed market trends, identify opportunities, and developed strategies topenetrate new markets

• Audit loan processors data entry work, and documents for accuracy and completeness.• Perform data entry work as needed with updated customer information.• Prepared preliminary HUD1, and sent to title agent and/or attorney office for final fees• Work with title companies and attorneys office regarding preliminary loan settlement• Balance closing discloser and sent closing instructions• Confirm all prior-to-funding underwriting conditions are met• Setup bank wiring information for funding agent• Review signed closing documents for signatures and completeness• Corresponds with internal departments for timely executions and accuracy

• Mitigated investor loss by negotiated workout options with delinquent mortgage borrowers by way of reinstatement, modification, payment deferment, repay-plans, short sale, and deed in lieu.• Manage loan pipeline of over 190 plus loans, keeping loans worked attempt within Service Loan Agreement.• Successfully obtaining bonus 11 month consecutively, with a pipeline averaging 24 months delinquent.• Collect and review Loan modification application, credit report, appraisals, home insurance, and tax documents.• Provide debt resolution consultation to improve or resolve debt endeavor with other creditors.• Calculate income using pay-stubs, profit & loss statements, financial statements, W2 and schedule of real estate owned per underwriting guidelines.• Negotiate closing statement (HUD-1) with brokers or title companies in order to provided acceptable net profit for short sale.• Review title report for clearance of liens, if not, then assist in negotiated with Jr. Mortgage for release of lien to complete Deed In lieu workout.• Analyzed borrower financial competency in determination best mortgage options

• Audit new mortgage loans for accuracy and completeness.• Edit database with correct information as needed based on findings.• Resolved customer complaints with patients and professionalism.• Write department policies and procedures in order to improve workflow effectiveness.• Logged and track loans which as discrepancy for later follow-up.• Monitor loans using excel worksheet, until discrepancy resolved.• Coordinate with internal department in resolving mortgage originations issues.• Completed loan audit reviews of 30 – 40 files a day, keeping up with daily workflow.• Reviewed mortgage loan documents such as credit reports, ACH drafting, note, deed,appraisals, HUD-1, and insurance documents.• Trained new Account Service Representatives.• Collect on outstanding mortgage documents from mortgage bankers• Calculate mortgage payment to verify if correct based on note, hazard and tax invoices

• Prepare closing package for FHA, VA, and Conventional loans closing under the Home Affordable Refinance Program (HARP).• Review HUD-1 according to Real Estate Settlement Procedure Act (RESPA), ensuring necessary correction is made.• Conducted audit of data entry from Processor for accuracy, in addition, to review of credit, title, and appraisals reports.• Managed a pipeline of 5- 7 loans per business day; equal to 115 -161 loans closed per month.• Prioritized and monitor workflow to meet closing/ funding deadlines.• Followed up on any closing condition which failed to be met.• Communicate with Processors, Mortgage Brokers, and Managers about the Super Streamline (SSL) process, in coordination of scheduled closing, loan requirements, and loanstatus.• Create preliminary / final closing documents with funding conditions for Processor.• Review executed loan documents for accuracy and completeness among state guidelines.• Balance final wire amount, and schedule funding for disbursement to appropriate TitleCompany.

• Review high net worth client mortgage applications for completeness.• Audit Preliminary Department data entry of loan application for accuracy.• Communicate with internal Mortgage Advisors, for collection of financial documentsneeded.• Order Credit Report, Appraisal, and Title Reports; in addition, to reviewing these items for any discrepancies.• Worked with third parties vendor in clearing title conditions, subordinations, and prior to closing requirements.• Submit mortgage loan application file for underwriting approval.• Monitor and record data regarding status of loan in system, along with weekly emailupdates to Mortgage Advisor.• Forward approved file to Mortgage Loan Closer for closing and funding of loan.

• Reviewed FHA, Fannie Mae, Consumer Direct and Jumbo loans modification applications for completion.• Collect critical documents needed from borrowers and law offices, for proper consideration.• Worked with third party vendors to execute Broker Price Opinions (BPO) and credit reports.• Communicate decision and terms of modification with borrowers. Including interest rate, maturity date, balloon or deferred balance amounts, and calculations used.• Educated borrowers on home retention and liquidation options, monthly option arm (MOA), secured option arm (SOA), and adjustable rate mortgage loans (ARM).• Trained new representatives on database systems, policies and procedures.• Monitor and conduct random audits on files for compliance within Service LevelAgreement (SLA), between government and private investor.• Calculate income for wage / set income- earners, self-employed, corporate owners, andstock holders; based on documentation such as paystubs, W2’s, tax returns, financialstatements, and SSI / Disability award letters.• Reviewed appraisal reports with attached comparable sales in order to confirm Loan-to-value (LTV).• Evaluated credit report to listed expenses for assistance in determining debt to income(DTI.• Approve or denied modification request based on the ability to afford home; but alsoestablish conditions for possible approval if foreseen changes.

• Underwrite loans for modification based on FHA, VA, Conventional guidelines.• Evaluated and approved workout options such as; repayment plans, modification, shortsale, and deed in lieu of foreclosure.• Calculate income per underwriting guidelines.• Collect payments for 30 - 120 day delinquent borrowers.• Correspond with borrowers, realtors, and foreclosure and bankruptcy attorneys.• Reviewed sales contracts, pre-approve letters, settlement statements/ HUD-1.• Negotiate settlement statements/ HUD-1 with brokers or title companies in order toprovided acceptable net profit for short sale.