Natalie M. Martin

Dynamic and motivated professional with 10+ years' experience in fast-paced work environments while balancing multiple tasks. Highly skilled in customer service with a proven track record of making accurate judgment decisions quickly and paying close attention to detail. Excellent with verbal and written correspondence with clear and polite communication. Strong ability to aways follow specific company guidelines and procedures.

Financial Crimes Specialist II - Wells Fargo - Charlotte, NC

(2019-02 - 2021-11)

• Receive inbound call inquiries while meeting quality standards detecting suspicious online fraud activity and suspected financial abuse
• Document and research all information required to resolve complex online fraud claims Create, update, and service online fraud claims reported
• Follow guidelines and procedures while solving complex issues, navigating multiple computer screens while working on the phone
• Navigate multiple windows, applications, and utilize search tools to find information
• Excellent verbal, written, and interpersonal communication skills to resolve customer disputes

Wells Fargo – Financial Crimes Specialist II - Randstad Professionals - Charlotte, NC

(2018-04 - 2018-11)

• Assigned Team Subject Matter Expert and new hire onboarding assistant
• Customer claims assigned in order to detect and prevent financial crimes activities while solving complex and unique issues while following specific guidelines and procedures
• Navigate multiple computer systems, applications, and utilization of different search tools to find information
• Document research findings and actions on cases for possible referrals for Suspicious Activity, Identity Theft Operations and Suspected Financial Abuse
• Manage reported claims assigned, databases and prepare standard/routine management reports required documentation including Suspicious Activity Reports

Wells Fargo – Loan Negotiator - Randstad Professionals - Charlotte, NC

(2016-12 - 2018-04)

• Pipeline management of 80+ loans to provide files with weekly status updates, mange outgoing/ Incoming calls of each assigned loan file to complete welcome calls, weekly follow up calls, approval calls, and closing calls
• Request and validate pre-foreclosure short sale approvals required from the Housing & Urban Development
• Review, request, and provide clients with confirmation of denied files due to not meeting Housing & Urban Development requirements
• Request and obtain HUD Settlement Statements for review to negotiate closing fees with real estate agents
• Request, obtain and analyze credit reports, titles, appraisals, settlement statements and required customer documents loan documents according to company policy & procedures and guideline requirements made by The Department of Housing and Urban Development which may cause the loan to be declined

Home Services Specialist - Accenture - Charlotte, NC

(2010-08 - 2016-06)

• Pipeline management of 85+ loans Clear underwriting conditions according to policy, state and federal guidelines Order and review credit bureau reports, appraisals, titles, and loan subordinations
• Gather and analyze documents requested to meet conditions required for final loan approval and resolve all appraisal disputes and title issues
• Analyze assets and income documents for completion and approval
• Calculate profit and loss statements for self-employed clients and review tax transcripts
• Submit loan package to meet estimated deadline dates scheduled
• Maintain a high level of excellent customer service with customers, clients, banking center associates, and realtors with expectation of customer satisfaction
• Manage external and internal calls and emails and prepare commitment letters, denial letters, and cancel files when necessary

Quality Control Underwriter - Inco-Check Incorporated - Rock Hill, SC

(2014-08 - 2014-11)

• Loan file review to confirm completeness and accuracy to complete the manual underwrite of assigned files
• Loan file review to meet and clear credit, income, title, appraisals and evaluate the debt ratio, loan-to-value ratios, credit score, and property valuations to meet condition loan requirements and communicate decision
• Identify risks resulting from underlying business practices, underwriting requirements, and/or exposure of fraud
• Maintain up to date knowledge of underwriting company and federal policy guidelines by completing training programs

Final Mortgage Loan Underwriter - Wyndham Capital Mortgage - Charlotte, NC

(2013-02 - 2013-08)

• Complete loan file reviews by analyzing the credit, financial, and required for completion and accuracy to obtain the final loan decision
• Communicate the final loan approval or recommendations for approval to responsible all appropriate parties, both verbally and in writing
• Contact investors and government agencies to resolve title, appraisal, and credit issues found
• Review and submit requested appraisal disputes and title issues received
• Prepare commitment letters, denial letters, and cancel files when necessary
• Submit loan package to the closing department in order to obtain and schedule closing appointments

Home Services Specialist II - Bank of America - Charlotte, NC

(2012-04 - 2013-02)

• Assigned pipeline of 85+ loans in order to obtain appraisals, titles, tax transcripts, subordination, credit, income, and financial information documents to analyze transactions required to clear level I & II conditions in order to make quick judgement decisions to approve or deny loan applications
• Prepare commitment and denial letters for approved and canceled loans
• Calculate profit and loss statements for self-employed clients and review tax transcripts
• Perform welcome calls and weekly follow up calls to customers and partners
• Make loan underwriting decisions and recommendations
• Manage external and internal calls and emails and prepare commitment letters, denial letters, and cancel files when necessary
• Analyze assets and income documents for completion and approval

Associates of Arts Degree - English - Gaston College (2008)