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Click here or scroll down to respond to this candidate Candidate's Name
Street Address PHONE: PHONE NUMBER AVAILABLE EMAIL: EMAIL AVAILABLE
A D D R E S S : 10045 Winding Lakes Rd Unit 204 Bldg. 17 Sunrise FL 33351
P H O N E : PHONE NUMBER AVAILABLE
E M A I L : EMAIL AVAILABLE
P RO F ES S I O NA L S U MMA RY
Detail oriented, efficient and self motivated professional with over 20 years of banking experience. Team player
with excellent communication, interpersonal, and analytical skills. Hard working, customer service driven with
strong organizational skills.
PROFESSIONAL EXPERIENCE
Special Loans Escrow Services Specialist | BankUnited | 2/11 to Present
Monitor and maintains the PMI Processes for all real estate secured loans. Provide backup assistance to the
Special Loans Analyst I and II.
Request bills and remit payments to various PMI companies either by generating checks or via electronic tape
and wire. Update PMI information on the servicing system and utilize systems generated reports to identify any
PMI open items.
Perform monthly review to ensure Life of Loan Flood contracts exist on all residential mortgage loans and obtain
contracts as needed.
Manage the property claim process according to the department s procedure by applying all claim checks to the
borrowers restricted escrow account and ensure all repairs are complete prior to disbursing of funds. Monitor the
property repair process through completion by ordering property inspections and disbursing funds directly to the
contractors.
Reconcile and remit Optional Insurance and FHA premiums received.
Act as Liaison to department Vendor to ensure the insurance process are performed in compliance with the
Outsourced Processing Agreement by monitoring of the hazard, flood and windstorm policies by utilizing the
system generated reports to tract policy expiration dates. Ensure that all policies possess adequate coverage,
correct property addresses, current coverage and correct mortgage payee clause. Remit payments timely for all
escrow premiums due for hazard, flood and windstorm policies either by generating checks, or mass billings via
wire. Processing of monthly remittance and refunds on all lenders placed policies and maintain system tracking
by contacting the agent when necessary to retrieve bills that are not received and update the servicing system
with current/re zoned flood determination information and process flood disputes.
Waive PMI when applicable as defined according to Investors/Regulatory Requirements and the departments
PMI guidelines and updating the servicing system accordingly and reviews system generated reports to identify
loans with LTV under 80%, and communicates with the customer and/or PMI companies to resolve any issues
involving MI.
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Candidate's Name
10045 Winding Lakes Rd Unit 204 Bldg. 17 Sunrise FL 33351 PHONE: PHONE NUMBER AVAILABLE EMAIL: EMAIL AVAILABLE
Loss Mitigation Specialist| Eastern financial FL credit union |2/08/ to 12/10
Analyzed at risk or non performing loans submitted by the Collections department to apply an appropriate loan
workout/restructure plan in order to mitigate loan losses. Reviewed borrower financial information and workout
alternatives to determine best workout solution. Proficient in processing Fannie Mae, Freddie Mac & Federal
Home Loans modifications.
Created in depth review to assess non performing loans and match those loans with the most viable workout or
restructuring option available using their knowledge of credit risk analysis and financial statement analysis.
Maintained contact with borrower to collect data to be used for loan analysis. Monitored the loss mitigation
workout process through its completion, including borrower follow up.
Prepared and presented loan workout proposals for management or next level review and approval.
Negotiated repayment plans and workout options in order to bring and maintain member to a current status.
Advised members of importance in complying with payment arrangements and any modifications or new loan
conditions.
Requested and analyzed property inspections. Provided investors with updated information relating to the
inspections.
Suggested workflow modifications to improve efficiencies or to make changes to lending policies and procedures
when appropriate.
Contacted members with delinquent mortgages to present options that will prevent foreclosure based on investor
and PMI requirements/guidelines.
Serviced assigned REO properties by scheduling Facilities to inspect and clean property, obtaining and reviewing
market pricing information, and tracking the property through the pipeline.
Reviewed REO and Short Sale HUD1 documents to ensure that the company s interests are protected.
Provided recommendations to management for the pricing and settlement of REOs and Short Sales. Worked with
Real Estate Agents and Closing Agents to maximize sales price, keep expenses to a minimum, and facilitate a
rapid sale of the REO property.
Serviced Short Sale requests within designated time frame, negotiating repayment agreements and completing
various legal documents as needed.
Supervisor Loan Servicing| 10/05 to 02/08
Assumed responsibility for supervising the day to day operations of the following department functions: payment
processing, credit card file maintenance, Titling front and back end, Loan Servicing research.
Supervised the daily activities of the Consumer Loan unit and coordinated activities of unit to ensure efficient
operation of the area.
Ensured liens are placed on vehicles within 45 days after the loan funds using all means to ensure that EFFCU s
lien is secured, Titling front and back end, Loan Servicing research, Forced placed charges and refund
insurance, and the mail clerk daily functions.
Prepared quarterly reporting to the Department of Education on student loans.
Performed System Enhancement Testing.
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Candidate's Name
10045 Winding Lakes Rd Unit 204 Bldg. 17 Sunrise FL 33351 PHONE: PHONE NUMBER AVAILABLE EMAIL: EMAIL AVAILABLE
Responsible for Weekly and month end reports to management.
Participated in training department staff. Monitored new employee s progress and recommended a further
training.
Exercised the usual authority of a supervisor concerning staffing, performance appraisals, salary
recommendations, promotions and terminations.
Responsible for the efficient operation of the payment processing area, research, lien releases, credit card file
maintenance and department of education quarterly reporting.
Unit Leader |Sr. Loan Servicing Administrative Clerk| 2/89 to 10/05
Supervised the daily activity of (8) full time staff members in the area of payment processing, escrow analysis,
loan satisfaction, automobile title processing and MI processing and follow up with the daily activities of the unit
to ensure efficient operation of the area.
Assisted staff in resolving problems which arise on a daily basis.
Kept supervisor aware of unit s activities.
Handled department request for detail research.
Processed the Modification/Conversion of mortgage loans.
Handled the past employee loans for rate and payment adjustments.
Processed Collision Insurance Charges and Refunds
Handled all incoming calls for the department giving rates and general information on credit union products and
distribute daily reports to various departments.
Processed PMI request for cancellation.
Posted charge off collection accounts (Master card. Visa, Savings and checking account
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A N N M A R I E C H AV I S
E D U C AT I O N
Bachelor of Arts in Criminal Justice|1988|University of Florida Gainesville, FL
Miami Springs Senior |Graduation June of 1980
TECHNICAL SKILS
Windows 2010, Microsoft word, excel, Miser2, FDR (Card Services) Midanet and Black Knight
REFERENCES
Available upon Request
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