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- 1. Tausa Jones 2056 Fair Crest Trail Forney, TX 75126 (469) 432-5741 tausajones@gmail.com Objective ______________________________________________________________________ Mortgage and Bank professional with more than 20 years of combined experience in Finance Industry, seeking a challenging position in mortgage servicing, underwriter support, document review, problem resolution, reconciliation and a ccounting functions of debits and credits . Skills Summary _________________________________________________________________ Bank Reconciliation, Auditing Accounting,General Ledger Urban, LAMP, LSAMS SAP, Atlas, MSP Microsoft Word, Excel, Access LPS, Lender live Equator, Stewart AS400, IPortal, Citrix LMA, Home Retention Invoice Management Default Financial Recon Professional Experience __________________________________________________________ NEWBOLD ADVISORS April 2012 - Present BUSINESS ANALYST /QUALITY ASSURANCE RESPA compliance review of mortgage files to ensure conformity to RESPA and HDMA guidelines. Responsible for auditing loans ensure that RESPA credit were provided at closing when necessary verifying accuracy of information that the client has provided during the loan processing. Front End Eligibility Checks- Ensuring Borrowers are qualified and meet requirements for Permanent modifications. Completion of Mod Calculations used to generate perm mod docs. Provide quality assurance and approval of calculations and samples from vendors before being mailed Reviewing FHA, HUD, DOJ and Non GSE Trial Declines for accuracy, generated decline letters for those not compliant or Opting Out and accurately determining that payments were not made timely prior to formally requesting decline. Tracking Loans through permanent modification process,meeting SLA’s in order to meet mailing deadlines. Verified checklist which included Active Military and SCRA requirements, Approved for sale status,warning codes,unpaid principal balance, paid to date, loan certification, payment review, payoff/reinstatement funds,approved bids, pending sale postponement requests,pending holds, issues,notes of modification documents sent/received from borrower to determine if property is ready for sale. FORECLOSURE REVIEW / BANKRUPTCY ANALYST Evaluate pre-foreclosed loans during Claim Process to determine if all required loss mitigation activities were handled and documented in accordance with requirements of FHA, HAMP, HAFA and othermodification programs. Performed verification review of Assignment of Mortgage required by statutory requirements and if AOM was executed and/ or recorded. Re-prepped foreclosure checklists prior to forwarding files to Underwriter including verifying Open valid workouts with proper Foreclosure warning codes,SCRA active military status,verified HAFA, FHA, HAMP solicitation letters (Approve or Decline), 30-15 day IIN expiration letters to borrower to submit documents,Deed in Lieu, DOJ letters, short-sale – in progress/pending orif borrower was approved for modification. Verified proof of claim documentation for accuracy, completeness and compliance. Analyzed, researched and reconciled bankruptcy conflicts, reports and processes pertaining to bankruptcy filings. Research include the review of detailed and comparison of pre-petition and post petition fees, payments, escrow charges, and delinquent monies verses borrowers agreement of loan.
- 2. Tausa Jones Page 2 INTEGRITYSTAFFING SOLUTIONS January 2011 – January 2012 DEFAULT RECON ANALYST Audit and Reconciled default loan modifications that have been in Loss Mitigation, Foreclosure and Bankruptcy status. Act as SPOC for customers in default or facing imminent default. Verify Man codes,stops codes,message removal dates,and modifications to determine reconcilement of the loan. Reclassified, made adjustments and corrections to the Borrower Corporate Advance Balances and or third party deficits for misapplied fees and cost not quoted per worksheet that would not be in compliance with State matrix. Entered DRA corrections for applicable assessments,payments and reclassifications from Post QC approved status into MSP (Fidelity Lending Portal) under appropriate DFRT commentary codes. ADECCO November 2008 – January 2011 ISSUES MANAGEMENT ANALYST Audit and analyze billing exceptions for issue resolutions by customer information systems including meter readings and or accounts with non-billable statuses on customeraccounts. Receive, process and complete billing adjustments,service orders and process refunds and tax exemptions to correctly update the account and generate an accurate bill for customer. Correspond with State Regulated PUC and TDSP (Transmission Distribution Service Provider) on billing and service orders for Move-in/out’s,accurate premise types and meter reads sent through internal data system and re-billing. BANK OF AMERICA December 1997 – July 2008 RESEARCH ADJUSTMENT ANALYST Investigate,analyze and resolved daily incoming research and adjustment inquiries received from various channeland make appropriate dispositions through general ledger entries. Ensure that all cases are resolved timely and accurately for daily production criteria and in compliance with industry regulations, FDIC and bank procedures and determine whether the defined assessments area complies with applicable law, rule or regulations. Monitor incoming activity and ensure that all aged items within 15 to 45days are resolved. Correspond with service partners to maintain timely resolution of all inquiries both internal and external to eliminate losses. Processed IDS exceptions for Global Corporate Operations and completed of daily balancing for corporate unpaid exceptions, including processing unpaid debits, credits. Paid returned items and unable to locate accounts. Returned items such as NSF, stop’s,etc with timely deadlines. Correspond with Relationship Support Rep’s for accurate customer account information on rejected items. Education _____________________________________________________________________ EL CENTRO COLLEGE – Dallas, TX COLLIN COUNTY COLLEGE 1990 – 1992 2014 - CURRENT BANK OF AMERICA GLOBAL TECHNOLOGY & OPERATIONS UNIVERSITY 2001 - 2008 Business of Banking, Self empowerment, Techniques for Better Time Management, Teamwork and Results without Authority, Operations Excellence Productivity and Quality, Working with Internal Customers NORTH MESQUITE HIGH SCHOOL – Dallas, TX 1989 Diploma Mortgage servicing, accounting exceptions, post closing,document control, auditing, compliance, productionMortgage servicing, accounting,exceptions, post closing, document control, auditing, compliance, production