• Focus on consumer complaint resolution
• Manage customer complaint reports & determine root cause of issues linked to customer dissatisfaction.
• Communicate with customers in attempt to obtain missing loan documentation which were identified through Investor audits.
• Provide oversight and management of ongoing survey programs and ensure changes/improvements are implemented.
• Communicate with Operation, Sales, Title & Sr Management regarding escalation status & recommend solutions.
• Seek ways to improve customer service experience and determine proper course of action based on customer needs.
• Monitors moderate to complex account activity which requires research that may involve multiple systems.
• Participate in projects as directed
Skills:
• Experienced in a fast-paced high-volume environment.
• Strong in analyzing bank statements. Experience with Non-QM programs, guidelines, and underwriting standards.
• Strong analytical, decision-making, and problem-solving abilities.
Key Achievements:
• Assigned to liaison with UBS Wealth Management analyzing high-income loans up to 17M with a signing authority of up to 2M; considered asset dissipation and risk values on complex investor packages.
• Maintained a pipeline of portfolio, non-conforming, and jumbo loans providing DTI approvals up to 60% and loan-to-value considerations up to 100% through asset pledges.
• Experienced in complex income analysis.
• Collaborated with underwriting management & credit risk teams to provide DTI/LTV exception requests for high end clients.
• Collaborated and negotiated with private mortgage bankers, loan coordinators, and sales management to build customer satisfaction, meet corporate objectives, and fortify B2B relationships.
• Analyze consumer credit requests for mortgage applications with a loan authority of 2 million.
• Reviewed three to four investor package reviews daily and maintained a 24-hour turnaround on all HMDA resubmissions, focusing on complex income and tax analysis and risk evaluations.
• Made careful determinations based on skilled analysis of submitted documentation covering credit histories, employment records and current financial status.
Key Achievements:
• Collaborated and negotiated with private mortgage bankers, loan coordinators, and sales management to build customer satisfaction, meet corporate objectives, and fortify B2B relationships.
• Reviewed four to eight investor package reviews daily and maintained a 24-hour turnaround.
• Experienced in analyzing income, credit, assets, appraisal report, title report etc.
Skills:
• Strong in analyzing bank statements. Experience with Non-QM programs, guidelines, and underwriting standards.
Key Achievements:
• Recognized as the Top 10% Producer on non-QM programs and portfolio business resulting from detailed data mining, strategic alternative income verification methods, and high-quality compliance reviews of state and federals laws.
• Sustained a loan authority of 2.5M+ on intricate conforming, non-conforming, and jumbo loan applications, including multiple pack submissions for high-income clients refinancing or purchasing more than two properties per transaction.
• Developed weekly and monthly reporting on privacy sweeps required by compliance and sales identifying information security and data breaches following corporate cybersecurity policies.
• Spearheaded training programs and developed training materials for a “Penalty Box” program mandated to approximately 30+ underperforming underwriters through monthly summits and increasing staff performance within three months.
Key Achievements:
• Recognized as Top 5% telesales representative on the Countrywide Home Loans through lead generations offering first and second mortgage programs to new and existing customers.
• Promoted to Telesales Supervisor of 20+ employees supporting Countrywide and BankOne (now merged with JP Morgan Chase) clients while setting weekly and monthly sales targets and handling escalated customer issues.
• Cultivated successful sales teams through corporate and personalized coaching to promote persuasive sales techniques delivering superior department productivity and individual performance reviews.
• Monitored and quality scored 40 outbound weekly call reviews raising customer service interactions and selling talents; conducted deep coaching during onboarding and maintenance for existing representatives to uphold 100% quality ratings.