Veronica W. Email and Phone Number

Gathered needed documents and information to clear deficiencies on loan files that are identified after the loan has been purchased by investors, bond agencies, and servicers in order to avoid additional fees or repurchase.Requested documents and information identified by investors, bond agencies, and servicersUploaded documents and information received from title companies, branches, and other sources to Encompass,Submitted documents and information received from title companies, branches, and other sources to requestors through email and designated websites.Worked new conditions within 24 hours of assignmentFollowed up on all loans 48-72 hours until resolutionWorked with a sense of urgency to clear Post Purchase deficiencies within 7 days of suspension

Processed various types of loans such as (Conventional, FHA, VA, BONDS, and USDA)Reviewed and requested credit reports, proof of insurance, and title policiesApply guidelines consistently and in compliance with all state and federal regulations.Maintained a positive relationship with internal and external borrowers, including branch associates, escrow, title, and other industry-related contacts.

Processed various types of loans such as (New Construction, Conventional, FHA, VA, BONDS, and USDA)Reviewed and requested credit reports, proof of insurance, and title policiesApply guidelines consistently and in compliance with all state and federal regulations.Maintained a positive relationship with internal and external borrowers, including branch associates, escrow, title, and other industry-related contacts.

Processed various types of loans such as (New Construction, Conventional, FHA, VA, BONDS, and USDA)Reviewed and requested credit reports, proof of insurance, and title policiesApply guidelines consistently and in compliance with all state and federal regulations.Maintained a positive relationship with internal and external borrowers, including branch associates, escrow, title, and other industry-related contacts.

Processed various types of loans such as (New construction, Conventional, FHA, VA, BONDS, and USDA)Reviewed and requested credit reports, proof of insurance, and title policiesApply guidelines consistently and in compliance with all state and federal regulations.Maintained a positive relationship with internal and external borrowers, including branch associates, escrow, title, and other industry-related contacts.

Reviewed Conventional, FHA, Streamline, and VA files to ensure file contained all required documentation, and met acceptable regulatory standards, and complied with lender’s established guidelines· Used an inventory checklist to ensure loan files are complete and accurate· Assisted in processing loans and correspondence· Verified government records on loan files and prepared procedural on closed loans· Achieving specific daily goals related to quality and productivity

Newbold- Bank of America, Fort Worth, Texas February 2012- January 2013· Mers/Processor/Auditor/MRT Reviewer/BK POC Specialist· Worked on a Special Project to analyze previously processed information to determine whether oversights were present. Reported findings as required · Reviewed client documents, including legal filings, to determine whether source information is present. Analyzed information to distinguish between reportable and non reportable findings.· Performed data entry by reporting findings onto client site. · Thoroughly examined documents and followed escalation procedures as needed. Updated internal client systems and databases as required.· Confirmed remaining balances on loan account, amount delinquent and due date on POC using Aacer, AS400, and Baps· Confirmed if poc has been closed due to loan modification, and/or Bk dismissal or dischargedNewbold-Capital One, Plano, Texas October 2011 – December 2011Team Lead/Foreclosure Review Audits· Identified Foreclosures that were out of scope for timing guidelines involving GSE/Private Investors· Performed file review to ensure all documentation were complete and accurate· Reviewed MSP and ALS systems for collection notes or any other foreclosure delays· Requested and or reviewed the foreclosure attorney documents as required.· Assisted Capital One with developing formalized processes and work flows· Supervised a team of auditors staffed on location Newbold-Metlife, Irving, Texas June 2011 – October 2011Team Lead/Modifications · Reviewed, analyzed and approved unusual or complex individual consumer reports and products within company and industry guidelines· Offered (HAMP)Home Affordable Modification Program to borrowers that qualify· Reviewed affidavits, tax returns, and income documents to ensure borrowers eligibility for the program· Supervised a team of underwriters staffed on locationNewbold-Chase, Fort Worth, Texas May 2010 – September 2011Team Lead/Underwriter