Summary
Overview
Work History
Education
Skills
Timeline
Generic

AMELIA C HELM

Garden Grove

Summary

Organized professional who effectively identifies and resolves complex financial issues. Thrives in fast-paced and ever-changing business environments.

Overview

15
15
years of professional experience

Work History

Caregiver

Right At Home Care
04.2023 - Current
  • Assisted clients with activities of daily living, promoting independence and quality of life.
  • Cleaned house, ran errands, managed laundry, and completed weekly grocery shopping.
  • Assisted with dressing guidance, grooming, meal preparation, and medication reminders.
  • Performed light housekeeping duties to maintain cleanliness standards while respecting the patient''s personal space.
  • Built strong relationships with clients to deliver emotional support and companionship.
  • Contributed to a positive atmosphere for patients by using effective communication and active listening skills.
  • Coordinated closely with family members regarding updates on patient conditions or concerns that arose during the course of caregiving duties.
  • Supported daily hygiene needs of patients by assisting with bathing, dressing, dental care and personal grooming.
  • Assisted patients with bathing, grooming, dressing, and oral hygiene care both in private residences and facilities.

Loan Servicing Officer

CUBG Business
05.2022 - 06.2023
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Met compliance deadlines for statements and reports.
  • Worked with loan processors on reviewing new boarded loans & calculating pre-paid interest.
  • Launched participation servicing for Capital market Department.
  • Responsible for correcting and reviewing all remittance and Loan summary reports for Capital Markets.
  • Responsible for servicing Commercial Participation Loans.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Monitored pipelines to track and log status of loans closing for boarding and booking.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Took Lead on helping automation of servicing portfolios.
  • Processed loan applications and monitored progress from start to finish.
  • Communicated and completed Due Diligence packages for lead lenders and participations.
  • Responsible for Monthly Private Investment Fund monthly for board meetings.



Senior Mortgage Loan Processor

Feniks Funding
09.2020 - 05.2022
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Worked with several lenders/title/ escrow companies to ensure smooth closings
  • Funded 10 -15 Loans per month
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Oversaw file input in mortgage software and grant-specific software.
  • Responsible for TRID compliance
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Handled any conditions sent from underwriting departments.

Foreclosure Specialist

Trinity Financial Services LLC
03.2020 - 04.2020
  • Prepared all notices of default as per terms of deed of trust on mortgage
  • Evaluated and examined files with management prior to foreclose sale date to formulate bidding instructions
  • Reviewed loan and foreclosure documents and verified for accuracy
  • Communicated with customers to identify and resolve outstanding payments
  • Responsible for accurate timing of FDL dates
  • Reading and interpreting 2nd trust deed notes
  • Worked diligently with head counsel on resolutions to avoid loss of asset.
  • Worked remotely in assisting with stipulations/ evictions for defaulted notes
  • Followed non-judicial/judicial guidelines for state specific guidelines

Loan Servicer

Homestreet Bank
10.2018 - 01.2020
  • Servicing Multi-family/Commercial loans/ and new construction loans
  • Responsible for monthly billing statements
  • Filed UCC continuation and terminations
  • Responsible for loan history requests
  • Handled all reconveyance with title companies and Fannie Mae
  • Responsible for monthly FHLB & FRB pledges and file review
  • Assisted with year end activities
  • Posted payments and disbursements
  • Completed daily batch and ledger balance sheets
  • Handled departments LTOB requests
  • AQR system changes and updates
  • Payment processing back up
  • Worked directly with Fannie Mae for serviced loans.
  • Worked with both title and escrow for any deed recordings or releases.

Lender Servicer

FCI Lender Services
04.2018 - 10.2018
  • Servicing hard money SBA notes/Loans
  • Interpreting deeds and notes
  • Responsible for inbound and outbound mortgage customer phone calls
  • Took over the phone payments on mortgage Loan accounts
  • Retained accounts by addressing brokers, investor, and customer complaints
  • Responsible for verification of mortgages for existing customers
  • Assisting with default loans and calculation of default interest
  • Welcome calls to new borrowers
  • Assisted brokers with set up packages and new accounts for servicing
  • Handled spanish calls
  • Assisted with filing and pulling loan folders for payoffs
  • Handled Reconveyance information for phone calls
  • Adhered to established policies, procedures and compliance for satisfactory audit rating

Loan Processor

PRIORITY MORTGAGE/NEW CENTURY REALTORS
09.2015 - 11.2017
  • Discussed loan needs and financial histories with clients, and conveyed information regarding the application processes
  • Created and completed loan submission package
  • Adhered to all federal and state compliance guidelines relative to retail mortgage lending
  • Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers
  • Researched insurance information and flood certificates
  • Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports

Client Service Consultant

WELLS FARGO COMMERCIAL REAL ESTATE
02.2014 - 07.2015
  • Commercial Lending Support
  • Processed advances, payoffs and payments
  • Prepared reconveyances and other collateral releases for paid loans Assisted with Reserve requests, escrow analysis
  • Took payments over the phone for large accounts
  • Conducted research to address loan problems (data entry errors, payment exceptions/misapplications, etc.) Helped the company raise customer level service to 97 percent Maintained average call score of 95%-100% Assisted with UCC information
  • Responsible for the entire departments voicemails each morning
  • On automated dialer for inbound and outbound calls
  • Responsible for welcome calls for new servicing loans
  • Directed defaulted accounts to special servicers
  • Assisted with insurance and tax information on commercial properties
  • Assisted in collecting financial documents and audits for account managers

Senior Loan Processor

CHEVRON FEDERAL CREDIT UNION - ROBERT HALF
05.2013 - 01.2014
  • Acquired two stagnate pipelines from previous loan processors consisting of 106 loans
  • Assertive multitasking between 2 different institutions CFCU/Spectrum Credit Union keeping both brands as separate entities
  • Provided support and extensive customer service to irate and frustrated members able to solve and find resolutions over the phone always made sure each member was serviced to the full extent
  • Responsible for gathering, interpreting conditions and sending correspondence through secure e-mail
  • Reviewed all contracts and addendum's to ensure timely closing and meticulous attention to details
  • Logged into call center dialer all day handling several incoming calls while also making outbound calls to keep all members and parties serviced at all times
  • Responsible for daily in depth documentation and notation of each account in processing
  • Requested and updated payoffs, tracked and monitored loan from submission to funding always keeping members informed and serviced
  • Handled foreign member accounts and conversion of different currencies for employees working in different countries
  • Responsible for ordering vendor services Appraisal, Title Reports, Insurance, Credit Reports, Notes and Deeds
  • Able to Interpret Guidelines and conditions
  • Provided affluent multitasking skills was asked by management to handle credit unions board members transactions
  • Funding up to 40 loans a month and meeting projected goal dates
  • Ran Credit Reports as well submitted supplements collected real estate disclosures and conditions in a timely manner
  • Answers members' questions and obtains information and signatures on authorization forms
  • Ranked 3rd place in funding's within second full month of employment
  • Recognition in Company's November Service Stars Newsletter 2013 for superior customer service
  • Completed and mailed bills, contracts, policies, invoices and gave instructions to wiring funds
  • Communicated with vendors regarding back order availability, and updates on member services
  • Acted professionally and patiently when addressing negative customer feedback
  • Managed customer calls effectively and efficiently in a complex, fast-paced and challenging call center environment

Loan Processor Team Lead

SUR PACIFIC MORTGAGE/PRIORITY MORTGAGE
01.2010 - 04.2013
  • Originated processed and submitted Real Estate Loans
  • Helped establish call center and ring central dialer for entire office
  • Always courteous and responsive to each client and employee of the company
  • Provided extensive customer service on the process of submission of the loan to funding of the loan
  • Helped clients position themselves for future financial endeavors
  • Worked well with other vendors to use services and products to give clients a more smooth process
  • Tracked progress and updated managers, partners, and clients on companies goals and market share
  • Always brought in high end technology to help brokerage stay competitive
  • Accounts Payable verifications Tracked progress and updated managers, partners, and clients Helped establish New Century Realtors as a partner as well as several other real-estate companies
  • Cross-sell banking services and products to clientele
  • Participate in community events to position the brokerage as a leader within the territory
  • Trained and Guided new Employees Submitted, Conditioned, and helped close 7-10 files a month Established new relationships with Lenders and Banks
  • Established new relationships with lenders and bankers
  • Implemented client training (business and technical) and supervised software integration on client's website
  • Reviewed files, records and other documents to obtain information and respond to requests
  • 01/2008 to Loan Origination and support

Education

BUSINESS FINANCE, FINANCE AND BUSINESS

Golden Gate University
San Francisco, CA

Allied Schools

Skills

  • Commercial Servicing experienced
  • Experience in Participation lending
  • Sales experience Experienced in MS Office/Excel
  • Computer proficient Self Sufficient
  • Bi-lingual/Spanish Collections proficiency
  • Collection experience
  • Affluent in several lending fields
  • Versed in Fannie/Freddie Mac DU/LP Aus Savvy
  • Knowledge of FDCPA laws Familiar with TRID
  • Experienced in Loan Processing
  • Experience with broker/credit union/banking submissions
  • Account management
  • Ad, Funds, Quality savvy
  • Banking and insurance experience
  • Underwriting savvy
  • Government agency guidelines knowledge
  • Dementia Care
  • Care Plan Development
  • Mobility support

Timeline

Caregiver

Right At Home Care
04.2023 - Current

Loan Servicing Officer

CUBG Business
05.2022 - 06.2023

Senior Mortgage Loan Processor

Feniks Funding
09.2020 - 05.2022

Foreclosure Specialist

Trinity Financial Services LLC
03.2020 - 04.2020

Loan Servicer

Homestreet Bank
10.2018 - 01.2020

Lender Servicer

FCI Lender Services
04.2018 - 10.2018

Loan Processor

PRIORITY MORTGAGE/NEW CENTURY REALTORS
09.2015 - 11.2017

Client Service Consultant

WELLS FARGO COMMERCIAL REAL ESTATE
02.2014 - 07.2015

Senior Loan Processor

CHEVRON FEDERAL CREDIT UNION - ROBERT HALF
05.2013 - 01.2014

Loan Processor Team Lead

SUR PACIFIC MORTGAGE/PRIORITY MORTGAGE
01.2010 - 04.2013

BUSINESS FINANCE, FINANCE AND BUSINESS

Golden Gate University

Allied Schools

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