· Leads the way with an upfront review and makes the initial credit decision based on company checklists and guidelines· Reviews everything and issues the final approval after all items are gathered by the Loan Processor and keeps the Loan Origination System up to date· Methodical and analytical personality with the ability to underwrite agency loans using our unique, upfront method· Expertise in reviewing w2 loan applicants for income analysis for conventional loan types.· Delivers great customer service throughout the loan process· Works with the post-closing team on any stipulations for closed files to push them over the finish line· Processing the loan from start to finish as this is a hybrid position that includes underwriting and processing

• Review initial loan approval and work with borrower to gather appropriate documentation • Collect all required documentation for the loan package • Create a loan submission package for the Underwriting department • Submit files to assigned Underwriter • Satisfy all conditions when received from Underwriter • Ensure that approval falls within the established lending guidelines • Communicate with other professionals, including attorneys, county clerks and title companies

• Input wire information in PCLender and/or warehouse websites for funding.• Manage wire returns and additional wire requests.• Enters data on a consistent basis into company systems and reports.• Prepare, extract and upload wire requests to respective warehouse bank assigned and submit pertinent funding document(s) that may be required.• Retrieve, apply and distribute all purchase advices and ensure proper credit with warehouses.• Verify title company information to include Error and Omissions Insurance policies, wiring information and state licensing.

• Responsible for receiving mail, sorting mail, and distributing mail• Responsible for filing• Printing payrolls and ensuring accuracy• Shipping payrolls to appropriate locations

• Responsible for a daily pipeline of stores• Daily input and monitoring of mark up and mark downs within the actual stores• Communication with the stores weekly, as well as updating a daily excel spreadsheet • Being readily available to help others with their work

• Reviewing documents for completeness• Knowledge of Mortgage Policy Manual and docs required for all investors• Creating ADRL letter in order to send to client to inform of documents needed in order to complete review• Knowledge of reviewing credit bureau report• Serve as a liaison between the underwriter and the client agent• Managing a pipeline daily and monitoring all accounts within a 30 day timeframe

• Taking inbound calls on Avaya.• Documenting record of conversation and call outcome.• Coordinating appointments for assigned SPOC. Requiring high attention to detail and schedule management for over 300 FTE’s.• Serve as a liaison between the clients and SPOC’s by cascading information in the absence of the SPOC.• Responsible for call tracking for data analysis purposes.• Ensured all functions are performed accurately, timely and in compliance with audit and procedural requirements. (FDCPA, National Compliance Guidelines, SCRA, AML).• Monitor compliance for availability in order to support department and clients needs by ensuring that I am logged in and available as scheduled. • SAFE Act Certified.

• Reviewed customer supplied documents on behalf of the SPOC for validity in accordance with the Mortgage Policy Manual.• Referred completed packages for underwriter review, in an effort to move inventory through the pipeline and get decisions for the SPOCS. • Leveraged internal relationships with owning SPOCS to maximize efficiency in reviews and submissions.• Mediated risk in respective areas of responsibility, looking to drive quality in reviews, identify risk associated with reviews and expediting files appropriately in compliance with federal and state regulations.• Performed quality checks, and decked to several special projects specifically but not limited to generating letters to clients, updating the systems for approved plans, work of high profile accounts.

• Verifying loan documentation and credit information.• Update financial information required per investor.• Provide status updates to clients.• Resolve problems regarding documentation issues.• Review Loss Mitigation request from borrowers for completeness.• Assist negotiators with all support functions as to needed to help facilitate a timely and accurate decision per guidelines.

• Maintained client focus, delivered quality service, while managing a large volume of cases. • Maintained strong communication and negotiation skills while mitigating a portfolio of clients who were severely delinquent on their mortgage accounts. • Review loans for special forbearance plans.• Counseled borrowers regarding workout alternatives.• Reducing loan losses and delinquency rates.• Performing, processing, analyzing, and negotiating workouts and payment arrangements; advising clients of optional short sales, deeds in lieu of foreclosure, etc.• Analyzed customers financial situations as well as loses to the company to successfully mitigate and resolve delinquent mortgage accounts. • Gathered all financial documentation from customer’s needed to review and support the decision to submit a possible modification for investor approval. • Maintained high productivity with efficiency and accuracy. • Knowledge of HAMP and non HAMP programs.• Knowledge of internet based systems Vendorscape, Web track, BPO Direct.• Knowledge of proprietary software: LPS, CLARA, and LIV Imaging.

• Assisted 3 loan officers. • Prepared loan packages using Ace Web. • Liaise with clients for accurate and timely submittal of information for closings.• Order payoffs, titles, appraisals, etc through Trace Corp.• At closing, ensure all files were in compliance with North Carolina state laws & regulations. • Balanced cash drawer accurately and efficiently on a daily basis. • Handled daily financial transactions directly with the customer in the banking center.

• Production of marketing packages for properties in North and South Carolina.• Research and analysis of commercial properties for clients.