Indiana Rosales
Downey
Summary
Adaptable and analytical with keen attention to detail and proactive approach to problem-solving. In-depth understanding of financial processes and regulations, coupled with proficiency in data analysis and negotiation. Able to identify and implement effective strategies to mitigate losses and contribute to overall financial health of organization.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Loss Mitigation Specialist
Rushmore
06.2021 - Current
- Responsible for150 plus loans monthly , plus all inbound calls
- Discuss all options with customer to prevent foreclosure
- Offer loan modification to accounts already in foreclosure status - monitor loan modification from start to finish
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Maintain strong relationships with external partners such as attorneys, real estate agents, and mortgage servicers to facilitate seamless cooperation during the loss mitigation process.
Loan Processor
RFG Mortgage Brokers
07.2019 - 05.2024
- Process applications from time of receipt of application to submission of the loan package to underwriting
- Gather organize loan documentation , work with lenders , applicants and underwriting, appraisers and others to complete process
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
Loan Officer
loanDepot
12.2020 - 06.2021
- Take inbound leads
- Go through1003 with borrower
- Run credit, structure best loan program suitable for customers need
- Sell the loan, gather and verify documentation before sending to processing
- Guide each loan from pre approval to closing
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
Collections Specialist
Rushmore Loan Management Services
08.2017 - 06.2019
- Handle inbound, outbound calls, escalated phone calls, collect payments create repayment plans
- Perform escrow analysis, payoff demands.Assist with all billing inquiries
Risk Management Quality Control Analyst
Carrington Mortgage Services
06.2015 - 07.2017
- Reviewed analyzed and monitored minimum of28 calls on a daily basis
- Assured each loan met quality control guidelines and expectations
- Identified quality problems and recommended solutions
- Analyzed sales, loss mitigation, collections, customer service departments
Loss Mitigation Specialist
JP Morgan Chase
10.2008 - 12.2013
- Balanced workload of240+loans in loss mitigation department
- Initiate loss mitigation process, Identify and qualify borrowers for modification
- Worked with borrowers in the process of negotiating payment plans on loans.Followed up on existing payment plans.Ordered property inspections, requested BPOs/Appraisals
- Handled escalated phone calls, Analyzed borrowers financial statements, pay stubs/profit and loss statement, income tax returns, reviewed credit report
Collections Specialist
Cash Call
07.2007 - 10.2008
- Responsible for contacting customers to collect on120+delinquent accounts, negotiated to bring loan current
- Offered repayment plan or loan modification, settlement
- Handled incoming and outgoing calls to and from other departments
- Identified valuable solutions for those customers who were having financial difficulties
- Listened carefully to customer complaints and ensured swift and effective resolution by taking appropriate action
Loan Officer
Quick Loan Funding
01.2004 - 06.2007
- Analyzed applicant’s financial status, credit worthiness
- Provided underwriting with a complete and accurate loan application
- Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports
- Maintained constant communication with client to assure closing, presented product, sold loan
Education
No Degree - Court Interpretation
Southern California School of Interpretation
Santa Fe Springs, CA01.2001
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United Education Institute
Huntington Park, CA01.1995
Skills
- Lending (10 years)
- Loan Origination (10 years)
- Loan Officer Experience (10 years)
- Customer Service (10 years)
- Call Center (10 years)
- Sales (10 years)
- CSR (10 years)
- Mortgage Loan (10 years)
- Loan modification
- Negotiation expertise
- Mortgage servicing
- Coordinating records
- Default management
- Collections experience
Certification
driver's license
Languages
Spanish
Full Professional
Timeline
Loss Mitigation Specialist
Rushmore
06.2021 - Current
Loan Officer
loanDepot
12.2020 - 06.2021
Loan Processor
RFG Mortgage Brokers
07.2019 - 05.2024
Collections Specialist
Rushmore Loan Management Services
08.2017 - 06.2019
Risk Management Quality Control Analyst
Carrington Mortgage Services
06.2015 - 07.2017
Loss Mitigation Specialist
JP Morgan Chase
10.2008 - 12.2013
Collections Specialist
Cash Call
07.2007 - 10.2008
Loan Officer
Quick Loan Funding
01.2004 - 06.2007
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United Education Institute
driver's license
No Degree - Court Interpretation
Southern California School of Interpretation
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