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
