Omar Marks Email & Phone Number

Responsible for reviewing and adjusting collection portfolios which require special handlingor analysis to reduce delinquent/problem loans within framework of company or investorguidelines. Functions may include: spreading financial statements; analyzing credit/accountinformation; monitoring adherence to terms of agreement; corresponding with customers;skip tracing; handling workout and restructuring of problem loans; restructuring paymentplans; recovering charged-off loans; may assist in filing legal actions and following up onliquidation of secured property and payment adjustments; analyze account equity todetermine foreclosure status. May conduct research and determine resolution fortitle/collateral perfection issues. May include title claim filing to recover losses.

Manage, maintain, and assist in the disposition of REO properties, typically received via foreclosure sale or acquisition of non-performing assets portfolio. Review company/client owned properties, establishes a plan to maintain, prepare for sale and sell at the highest possible price while minimizing hold time, holding costs, and loss severity. Analyze repair bids to determine the cost benefits and arrange property preservation to enhance the marketability of properties and implement such strategies upon approval from management, client and/or investor. Adheres to client, investor, or jurisdictional guidelines. Negotiates sales directly.

Responsible for performing a variety of loan documentation duties on complex loan Packages to ensure compliance with company policies and procedures for loan products. Functions includes: Processing, Closing and Compliance with loan products; interpreting Policies while analyzing applicant, property and documentation; ordering all required Verifications, documentation and subsequent follow ups. Act as liaison between the borrower loan officer and

Process Sub Prime Loans, Review Loans and process daily (review appraisals, title commitments, hazard insurance), Credit Analyze loan file for underwriting approval, Meeting conditions for loans for final approval, Communicating with Loan officers on a daily basis to assist in loan Process, Attempting welcome calls to the borrowers Reviewing assets and income, Managing a pipeline of 50- 100 loans a month, Locking interest rates on loans before closing ,Preparing closing packages for closing, requesting wires and checks for funding. Communicating with title agents to ensure borrowers have a smooth closing.

Review Loans and process daily (order appraisals, credit reports, Flood certifications, and title commitments Analyze loan files for underwriting approval Answer inquiries from account executives, agents and borrowers Regarding status of loan in process Process loans in accordance to the appropriate guidelines of the secondary Market, I.e., FNMA,FHLMC,FHA or VA, for 1-4 units, condos, PUD's and town homes and log cabins. Reviewing Assets and income Managing a pipeline of 40 - 50 loans

Perform complete and accurate review of all incoming loan packages on same day as receipt using AH, Workflow and Doc Request Systems New Loan volume includes HELS, PELS and Non real Estate Secured loans Review loans to ensure compliance with Federal, State and Bank regulations and to ensure that proper loan proceed disbursements occur Communicate with lenders and customers via telephone and e-mail to resolve booking issues Preparing wire transfers and direct deposit entries as appropriate properly identify all items that require follow up for Correction and or redisclosure to customer Book loans to Cs, Acls or Fdr system Adjust PEL credits limits per documentation and manually award sold credit accordingly Assist teammates in answering acd telephone lines Assist customers by serving as subject matter experts on loan review and funding documentation and process questions

Corresponding mail to customers, lawyers and title companies, Processing deeds to be filed through the computer system; Requesting checks for recording and cancellation fees; Assisting Supervisor in handling day to day workflow; Train new employees; Working in a team environment to meet deadlines Collateral disposition of paid loans, which includes the use of image technology; Communicate with counties to verify parcel numbers; Perfect Wachovia's lien on collateral secured loans

Assistant Loan Verifier, Assisted in processing loan applications Verified residence and employment of loan applicant, Obtained Credit Reports Mailed detailed review of all pertinent loan information to customer, Research Clerk Answered inbound calls, assisted customers with their accounts Researched checks for customers, Mailed copies of checks and account printouts to customers

Bachelor Degree, Business Management

Masters Degree, Business Administration

Certification, Underwritting