Manage -new loan entry-payment processing (manual & automated)-home insurance policy’s are paid in a timely manner-property taxes are disbursed on escrowed loans with a goal of payment before end of December-mortgage insurance disbursements in a timely manner.-year-end processes and annual IRS reporting.-review of final tax, insurance, mortgage insurance and unapplied disbursements on paid-in-full loans.-construction loans and needed notifications to borrower.-annual review and analysis of escrow accounts.-tax vendor communication of new and paid off loans.-monthly credit reporting-release of liens for paid off loanEnsure accurate, timely reporting at end of day, end of month and throughout the month as needed by different departments.Utilize system reports and manual spreadsheets as applicable.Respond to internal and external client inquiries; includes research for prompt resolution.Coordinate daily processes with production and accounting efficient workflow.Manage recovery of escrow advances for insurance premiums and taxes.Reconcile accounts before and after disbursements.Prepare department procedures for all duties.Special projects as requested and needed.Liaison between Production and Servicing.Liaison between Servicing and Accounting.Manage all aspects of mortgage loan servicing.

Responsible for a variety of compliance functions including monitoring, design, development and oversight of regulatory compliance programs.Recommend and facilitate improvement, development and changes in processes and procedures.Provide guidance to the Servicing Department by assessing, interpreting and communicating all new or changed laws, regulations and corporate policy to determine impact on processes, procedures, documents (form/letters), reports and training.Recommend effective corrective action plans to the business unit.Participate in and provide regulatory compliance advice on the implementation of systematic solutionsIdentify emerging compliance trends and best practices relating to mortgage servicing.Develop and maintain effective and positive relationships with operational managers, senior management and investors to aid in a partnership approach to compliance risk management.Assist in the coordination of regulatory examinations and audits.Plan, develop, implement and monitor detailed projects as necessary to ensure and maintain adequate quality control.Quality control review of all loans set up in FICS/Mortgage Servicer System including master data and escrow records for loans originated and/or acquired through servicing transfers.Perform quality control for all aspects of mortgage servicing.Support Servicing Supervisor in FICS functions.

Primarily responsible for day-to-day processes operations/coordination. (excluding default)Prepare Procedures of all operations in Servicing. (excluding default).Ensure regulations are met as a Mortgage Servicing Company.Responds to internal and external client inquiries and research requests.Works directly with Credit Union members and staff to resolve issues.Tax vendor oversight and coordination of timely and accurate tax reporting.Coordinator for tax service setup with Lereta.Coordinator for processing of tax and insurance payments.Oversight of annual review and analysis of member escrow accounts.Ensure accurate and timely reporting, disbursing of remittances to investors/participants.Utilize system reports -PC generated and manual spreadsheets as applicable.Coordinate lender placed insurance on expired policies, escrowed and non-escrowed.Management of the recovery of escrow advances for insurance premiums and taxes on behalf of participating Credit Unions.Assure the setup of new loans.Interface with FannieMae, as necessary.Monitor and track correspondence including e-chat notifications.Oversight of payment processing (manual and automated).Daily and monthly closeout, investor reporting.Oversee Year-End processes and annual IRS reporting.Oversee and monitor Conventional, ARM, Balloon and Step, Construction and Home Improvement Loans.Special project as requested from Management and Credit Unions.Lead/manage team in accordance to individual strengths.Remain in constant communication with Accounting.

(Dept: Accounting/MHL Servicing)Code and apply amounts to respective general ledgers.Perform periodic, daily & monthly account reconciliation of balance sheet accounts and resolve discrepancies.Calculate, process monthly remittances for all credit unions and initiate ACH credits for each.Reconcile all P&I, T&I and unapplied funds accounts to mortgage servicer on a daily and monthly basis.Verify Fannie Mae daily remittances agree to bank transfer report in mortgage accountant.Maintain tracking log for servicing errors and/or actions, which do not follow normal company procedures.Prepare daily servicing spreadsheet to accurately allocate deposited funds and disbursements.Transfer funds to appropriate cash accounts in a timely manner and in compliance with company policy.Verify interest and escrow funds for new loans entered into mortgage servicer agree to the LCP worksheet.Review all disbursement checks to ensure adherence to company policy. Maintain a spreadsheet to track all issued check numbers and scan all disbursement checks to the network for future reference.Process all credit union debit/credit requests and notify the credit union of the transaction.Review bank accounts daily for incoming wires, returned items and notify servicing department of the transactions.Maintain servicing spreadsheets such as mortgage servicing fees per CU, mortgage appraisal fees, the voided check log and other spreadsheets as assigned by management.Assist with Monthly and Quarterly Financial reports. Prepare daily, monthly reports for the department and each Credit Union.Enter loan details into servicing system (FICS)Calculate total in approved auto loans and initiate ACH debit from each approving credit union.Deposit all servicing checks, process teller payments and upload servicing ACH file daily.Verify deposited funds balance with servicing close out packet.Maintain communication with all departments.

(Dept: Member Home Loan)Multi-Tasked in closing, funding, reviewed for compliance and entered into servicing system.

(Dept: Member Home Loan)Application is completed via consultation with prospect.Eligible applications are recommended for approval to referring Credit Union or as a FNMA product.Process and guide approved loan file through closing.

Acquire accurate/complete information on applicationOffered options when obstacle was presentedAccentuated compensating factorsReview existing financial status of prospects for the recommendation of mortgage produce

Mortgage Loan Processor July 2001 to September 2001Client Relations, UW, Processor, Closer May 1998 to July 2001Loan By Phone Tele-lender May 1997 to May 1998Banking Center Lobby/Drive-Thru teller May 1995 to May 1997