Analyst 1/Customer Service

Linda Kramer

3760 Fenton Street

Wheat Ridge, CO  80212

Cell phone (303) 478-5268

Summary of qualifications

 

Strong background in mortgage banking with experience in processing,

assisting in underwriting of FNMA, FHA and Freddie Mac loans.  Auditing

and shipping of closed loans and preparation of loan documents. Software

used included Fitech, Loan Quest, Mortgage Ware, Mornet, Midnet ,

Datatrac, Mortgage Serve,Peak Mers, Vision, New Track,MI claims,

IAS, Fidelity MCD Viewer, Lender, Processing Services, Doc Track, Cewl

for fraud and assets management. MS Office to include Word, Excel,

Outlook, Access (Scipio, Aithex,Clara,LCID). Scanned documents, pulled

Credit Reports via in-house document program. Wells Fargo Web Direct,

 Promontory Radar System, Allonhill based program Foreclosure review

 due diligence, system transfer to warehouse lines and extensive

 Customer Service.                                           

 

Work experience

July 2011 – Jan 2013                                                                                      Analyst 1           Promontory/AccountTemps, Denver, Co.                   Managed a queue of client loans. Performed retrospective servicing reviews on performing and /or non - performing loans. Reviewed/analyzed servicing data for purpose of verifying adherence to all policies and procedures. Answered questions within review modules by validating client data. Researched timeline delays related to foreclosure and/bankruptcy activities, ensured accurate and timely loan reviews and data entry with an all-electronic environment. Saved documents/ information in appropriate places within the system to establish an audit trail. Adhere to all Federal regulations regarding the protection of personally identifiable information. (PII) Completed all special projects and other duties as assigned.                                                      

Dec  2010 - April 2011 

Contract Assistant           Service Link/ AppleOne, Lakewood, Co.

Via e-mail, printed purchase contracts and assembled in investor order. Inventoried status of contracts with Excel spreadsheet and forwarded to processor for content review.  Upon return of contract from review I ensured all data was accurate and had power of attorney signatures then scanned completed contract to investors.  Maintained high level of customer service in house and with customers and met required benchmarks and deadlines.

 

 

 

 

 

 

 

 

 

 

Dec 2009 - Dec 2010 

Team Assistant              Aurora Bank FSB, Littleton, Co/Temp job

Responsible for pursuing default resolution options on loans that were in a delinquent, foreclosure or bankruptcy. Followed up on missed payment arrangements and other borrower commitments. Analyzed the extent of the potential loss created by the troubled loan, identified the problems and resolved them. Resolution of identified problems may have included forbearance agreements, loan modifications, short payoffs and contacting customers to pursue resolution of mortgage default. Utilized a web based application to keep status of loans either through inbound or outbound calls.  Created and tracked standard repayment agreements while maintaining focus on directed calling campaign. Made recommendations to management for approval or denial of loan resolution strategy following company policies and procedures and incorporating applicable government guidelines.

 

Dec 2006 - Aug 2009        Specialized Loan Servicing, Denver , CO

Default Associate I

Ensured senior lien payments were current. Used Mortgage Serve, formula and script to produce beach letters.  Created assignment documents, referred loans to foreclosure, corresponded with attorneys, called on excessive funds, filed MI claims, audited collateral files, and obtained certified documents such as foreclosure documents.

Various duties as assigned. Customer service both in-house and with customers was essential for success.

Nov 2002 - Sept 2006       Entrust Mortgage,Inc. Denver, CO

Shipper/Auditor

Audited loan files for compliance and shipped to various investors by lock date.

 

 

 

 

 

 

Education

Classes taken in

California

Alameda Adult Education – MS Word, Excel

College of San Mateo California - Principal of Real Estate and Speech

Regional Occupational Program – Office Management & Computer Skills

Arizona Western College – Business Admin and Computer Basics

                                                                                                                                               

  • ID#: 66039
  • Location: Denver, CO , 80212

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