Stephanie Brooks

2327 Leah Road

Richmond, Virginia 23230
804-475-1014
sbffe4b8@westpost.net

Summary/Objective:
I am a sharp and experienced loan processor with over eight years of experience
in wholesale, retail sub-prime, FHA and conventional mortgage loan processing.
Especially skilled at building effective, productive working relationships with
brokers, customers, attorneys, title companies and sales representatives. Prefer
a challenging and fast paced mortgage loan processing environment in the real e
state field.

Professional Experience:
Home Service Specialist
Bank Of America
07/2010-Current
* Makes the decision on loan applications up to the conforming loan limits; foll
owing bank guidelines
* Verifies customer income documentation
* Resolves routine title issues including
* Processes subordinations
* Resolves appraisal disputes
* Executes closing actions to ensure a timely and effective closing process
* Maintains a high level of customer service by being proactive in communication
with customers, banking center associates, realtors, etc

Loss Mitigation/Foreclosure Specialist

Mergis/CCO Mortgage
06/2009-07/2010
Foreclosure Specialist
* Sort, open and review daily mail
* Locate account numbers and review notes for all incoming and back logged mail
* Contact clerks and attorneys offices for statues on foreclosure proceedings
* Scan documents
* Notate accounts that have been declined for foreclosure
* Mail out documents to other departments
Front end Fulfillment representative
* Working directly with fulfillment team to print, sort and collate all income f
axes ranging, between 100-150 faxes per day
* Set up new files on the fidelity system
* Contact customers regarding missing information needed
* Order title reports, credit reports, appraisal or BPOS
* Process a minimum of 30 files a day
* Loss Mitigation representative
* Process loans that are going through the Loan Modification process in the Loss
Mitigation Department
* Obtain necessary information (i.e., loan applications, credit documents, appra
isals, etc.) to process and complete mortgage loan files.
* Decision modifications, using the HAMP (Obama) program and traditional /asset
program
* experience with FNMA and bank Asset loans
* Processing loans in foreclosure and bankruptcy
* Verifying documentation for accuracy and completeness
* Contact vendors and customers
* Work independently on projects at request of superiors
* Making junior underwriting decisions

Loan Processor
Live Well Financial, Inc.
10/2008-06/5/2009
* Process all incoming applications for FHA reverse mortgage
* Maintain all communication with borrowers, title Company and all third party c
ompanies
* Demonstrate ability to read credit report, title reports, judgments, payoffs
* Review with borrower all conditions on files, all fees on files and any inquir
ies on reverse mortgage
* Maintain all FHA HUD reverse mortgage guidelines, while closing loans in a tim
ely and efficient manner

Account Manager
ENCORE CREDIT/DIVISION OF BEAR STERN RESIDENTIAL
9/2003 - 10/2007
* Managed an average of 40-60 files per month and minimum of two sales represent
atives
* Gained complete knowledge of all underwriting guidelines and matrices
* I Demonstrated ability to read title, credit report, judgments, pay-stub calcu
lations, garnishment calculations, debt ratio calculations, etc.
* Communicated via phone and email with brokers, title companies and all other p
arties
* Reviewed Title Documents, pay-stubs, mortgage pay history, Verification of Emp
loyment, Verification of Rent, Hazard insurance declaration, Payoffs, Credit rep
ort to be able to decipher collection, judgments
* Set rates in system with deviations and Yield spread
* Reviewed settlement fees and tax information
* Viewed appraisals to make sure they meet guidelines
* Assisted in keying the set up process of loan entry
* Communicated daily with sales representatives and brokers is a key point to ma
intaining a successful pipeline
* Helped other departments frequently
Computer Skills:
* Empower
* ALS (Citizens Mainframe)
* Fidelity (LPS)
* PRM
* EXCEL
* Microsoft Word
* LPS
* Outlook
* UNIFI
* Edge
* Status Mart
* Internet
Accomplishments:
* Top Walker Award Richmond Heart Walk 2006, 2007, 2008 and 2009
* 2010 Relay for Life.
References available upon request