Responsible for preparing Commercial and Residential Modification packages for Property Owners. Collect and verify all financial documentation to submit to the Borrowers Mortgage Company. Verify that modification documents were executed and complete prior to shipping the documents to the Investor. Documented all correspondence between Mortgage Company and borrower into the system. Negociates new Interest rates and payments with the Lienholder.

Responsible for generating new business, and the presentation of Bank products. Provided loan counseling to potential clients and oversaw the processing and pre-underwriting of conventional, FHA and VA loans applications. Managed the production and processing for 17 loan officers and 4 processors. Responsible for the hiring and training of qualified candidates keeping them abreast of any new policies, procedures and regulations in the Banking Industry. Also coordinated efforts with Branch Management to sell packaged loans on the Secondary market.

Responsible for using interpersonal and communication skills to generate referral business, leads, and establish relationships with individuals, existing clients, past clients, and Real Estate Professionals. Participate in training for marketing, sales, and scenario techniques to effectively sell, package, and close consumer mortgages. Take thorough and complete loan applications; analyze and prequalify applicant information to determine viability of the client's desired loan program. Pull credit, analyze credit, and compare for accuracy with the mortgage borrower's statements. Gather all initial documentation required based upon the applicant's selected loan program and the 1003 including all disclosure requirements. Provide the loan package to the loan processor for review, stacking, and pre-submission audit.

Maintains accurate and detailed collection records on the collection system of telephone customer contacts to collect monies due on mortgage loans in foreclosure.Responsible for gathering information from mortgagors pertaining to reasons for delinquencies, including financial analysis of their income, monthly obligations, dependants and any other information which would enable collections to make necessary decisions to help cure the delinquency.Develops formal workout plans such as Repayment Plan Agreements, Stipulated Repayment Plan Agreements and Forbearance Plans to cure delinquency on loans in foreclosure.Coordinates workout plans with foreclosure attorneys, ensuring the correct legal process is followed for each respective state to maintain maximum efficiency.Counsels mortgagors on alternative programs (when workout plans are not viable options) that can be used to avoid foreclosure, such as deed in lieu of foreclosure, pre-foreclosure sales, loan modifications, partial claims (FHA loans) or selling of the property on a refinance or assumption basis. When applicable refers the account to the Loss Mitigation department.

Maintains accurate and detailed collection records on the collection system of telephone customer contacts to collect monies due on mortgage loans in foreclosure.Responsible for gathering information from mortgagors pertaining to reasons for delinquencies, including financial analysis of their income, monthly obligations, dependants and any other information which would enable collections to make necessary decisions to help cure the delinquency.Develops formal workout plans such as Repayment Plan Agreements, Stipulated Repayment Plan Agreements and Forbearance Plans to cure delinquency on loans in foreclosure.Coordinates workout plans with foreclosure attorneys, ensuring the correct legal process is followed for each respective state to maintain maximum efficiency.Counsels mortgagors on alternative programs (when workout plans are not viable options) that can be used to avoid foreclosure, such as deed in lieu of foreclosure, pre-foreclosure sales, loan modifications, partial claims (FHA loans) or selling of the property on a refinance or assumption basis. When applicable refers the account to the Loss Mitigation department.

Maintains accurate and detailed collection records on the collection system of telephone customer contacts to collect monies due on mortgage loans in foreclosure.Responsible for gathering information from mortgagors pertaining to reasons for delinquencies, including financial analysis of their income, monthly obligations, dependants and any other information which would enable collections to make necessary decisions to help cure the delinquency.Develops formal workout plans such as Repayment Plan Agreements, Stipulated Repayment Plan Agreements and Forbearance Plans to cure delinquency on loans in foreclosure.Coordinates workout plans with foreclosure attorneys, ensuring the correct legal process is followed for each respective state to maintain maximum efficiency.Counsels mortgagors on alternative programs (when workout plans are not viable options) that can be used to avoid foreclosure, such as deed in lieu of foreclosure, pre-foreclosure sales, loan modifications, partial claims (FHA loans) or selling of the property on a refinance or assumption basis. When applicable refers the account to the Loss Mitigation department.