1. KIMBERLEY A. VARANO
25 Isabelle Rd. Cheektowaga, NY 14225
MOBILE (716)860-8815
EMAIL: k.varano@roadrunner.com
EDUCATION:
Erie Community College, Williamsville, NY 14221
Associates Degree in BusinessAdministration
GraduatedMay1991
WORK EXPERIENCE:
P.H.H. Mortgage-Vendor Management Department (May 2013-Present)
 Responsible for TeamLeadposition. Settingup Attorneyand Vendor SLA’s Monthlyspreadsheets
 Completing the review ofSLA’s and distributingthem to correct vendors for review
 Power Point Presentations
 Reachingout to Attorney’s for possible BillBacks owed to PHH
 Work rescissions onForeclosed loans andrestarts
 Schedule andfacilitate MonthlyVendor calls andsupplymeeting minutes
 SPOC representative for 60 plus AttorneyFirms for MonthlySLA Scorecard reviews
HSBCBank (USA)-Mortgage Ops Representative (January 2011 – present)
 Responsible for managing personal workqueue related to Foreclosure process.
 Validation oforiginalmortgage documents as mandated byDoddFrank/OCCinmortgage industry.
 Developedstrongworkingrelationships withFannie Mae, Freddie Ma c, Ginne Mae Custodians as wellas private investors
critical to Note Validationprocess.
 Strong working knowledge of multiple mortgage industrysystems including, LPS, LPS Desktop, IAW (Image System), Loan Quest,
CIF, KAR indexingandIron Mountain.
Williamsville Central Schools Maple East Elementary March 2007 – January 2011)
 Responsible for dailyfood preparationworkthat fed300 – 600 students per day.
 Followed state andfederal guidelinesmandatedfor foodsafety.
 Head CashRegister personnelincludingdailybalancingof CashDrawer.
KEGLERS SPORTS LOUNGE: (January 2002 – present)
 Bar Tender including face to face Customer Service andcoordinating efficient service for andbetweenwaitresses/servers
 Waitress/Server responsible for customer satisfactionandendof shift cleanup
 Cash register/ MoneyExchange
M & T MORTGAGE CORPORATION-Client Representative/Corresponding Lending Department (March 1995-June 2001)
 Responsible for communicating all closing conditions to M& T customers prior to final loanclosing.
 Worked directlywith Appraisal, Title andCredit Reporting companieswithordering requiredunderwriting documents for
closing.
 Developedstrongworkingrelationships with competing Mortgage companies that assistedwithobtaining Lien Releases
and Discharges required to close newloans withM&T Mortgage.
 Met strict departmentalguidelines establishedto provide qualityCustomer Service.
M&T Mortgage Corporation Originations/Closing Department (February 1993- March 1995)
 PreparedClosingdocuments in compliance with Federal, State andLocal laws withincompanypolicyandprocedures.
 Communicatedwith Brokers in regards to collecting neededclosingdocuments requiredto schedule closings.
 Setup closingdates between Brokers, Attorneys and M&T Mortgage

2. Professional Skills:
Knowledge with Excel andLotus
Ensuring adherence to Compliance Procedures
ReadingTitle Reports andTax Bills
Reviewing mail for prior to Conditions
PreparingReal Estate Closing Documents
Monitoring, AnalyzingandUpdating Credit Reports
Verifying Employment
Analyzing Mortgage Files, Related Problem Solving
PrioritizingandOrganizingWork Flow
Maintaining Effective CommunicationwithCredit Agencies andAppraisers
Prepare and Submit LoanPackage for Underwriting Decision
ExercisingJudgment on Routine Issues or Problems
Teller Experience