1. KATHLEEN MONTES 3033 E. Valley Blvd. #136, West Covina, Ca 91792
Email: oshun61@gmail.com Phone: 562-754-1323
OBJECTIVE: TO OBTAIN A POSITION WITHIN A STABLE COMPANY OFFERING
ADVANCEMENT AND GROWTH OPPORTUNITIES. I AM A SELF-MOTIVATED, DETAIL
ORIENTED RESULTS DRIVEN PROFESSIONAL WITH STELLAR COMMUNICATION AND
ANALYTICAL SKILLS.
SKILLS:
Bilingual English/ Spanish
Knowledge of FNMA DU AND FHLMC LP underwriting systems
Proficient in ENCOMPASS
Strong verbal, written and interpersonal communication skills
Demonstrated ability in communicating with all levels of staff
Highly self-motivated, confident and eager to learn and apply new skills.
Strong organizational and administrative abilities
Detailed-oriented
Capable of prioritizing a broad range of responsibilities in order to meet deadlines.
Proficient in SALESFORCE CRM
LICENSES & CERTIFICATES:
NMLS #1132481 state licenses; CA-DBO(pending) AL, GA LA, MA, MI, NH, NM, OH,
OK, SC,TX-SML, UT-DFI, WI,
Notary Public
WORK EXPERIENCE:
GEM MORTGAGE
Production Partner II 04/01/15-present
As a Production Partner, I provide support to a team of top producing loan officers. Job responsibilities include but
are not limited to the following:
Conduct in person and phone interviews with prospective buyers to initiate the prequalification process.
Collect borrower income and asset and any other documentation relevant to the loan process in preparation to
submission to processing
Analyze income and credit and calculate debt ratios to determine borrower’s loan eligibility
Input critical data into loan operating system and run AUS.
Track key dates of transaction
Lock loan and price loans on Loan officer authorization
Collect borrower income and asset and any other documentation relevant to the loan process.
Maintain customer contact to ensure follow-up of loan application
Prepare initial disclosures and issue change of circumstance to meet TILA /REG Z compliance.
Provide administration support to operations team in the collection of prior to doc and funding conditions as needed
Resolve file problems, bottlenecks and qualifying issues throughout production and underwriting process
CARRINGTON MORTGAGE SERVICE
Home Retention Specialist 12/16/13-03/24/15
As a home retention specialist within a call center environment, responsibilities include educating borrowers on all
available
home retention programs as dictated by the FHA, VA,USDA waterfall, Loan Modifications, Forbearance Plans,
Repayment
Plans, and Reinstatements. Borrowers not interested in retention options are counseled and educated the on
liquidation

2. options short sale and deed-in-lieu of foreclosure (DIL).
Essential duties include:
-Communicating approval terms for Modification trials and final modifications, Formal and Special Forbearance, and
informal
repayment arrangements.
- Maintain ongoing contact with homeowners while in the process of modification
-Responsible for ensuring foreclosure sale holds and postponements as needed
-Maintain 85% or above quality standard on call metrics which include, handle, wrap,and available times as well as
maintaining adherence within the Federal, State and Fair Debt Collection Practice act regulations.
-Monitor active repayment and trial plans for timely payments
HIGHTECHLENDING, INC.
SR.PROCESSOR/ ACCOUNT MANAGER 01/04/2013-10/11/13
Responsible for the management of the National Sales Manager pipeline.
Job duties include but not limited to:
-Review of incoming loans for regulatory compliance as applicable to 2010 RESPA rules.
-Completed initial set up of new loan submissions including the issuance of upfront disclosures to borrower
Conducted pre underwriting of file utilizing DU / LP AUS programs.
Compiled loan conditions /stipulations in accordance to FNMA,FHA, FHLMC guidelines as dictated by the AUS
findings
Monitored progress of each loan file and communicated status to all involved parties
-Submit complete loan files to underwriting
-Act as a liaison between clients, loan counselors, third parties and co-workers to facilitate a prompt, efficient closing
of each loan
BANK OF AMERICA :
CLIENT RELATIONSHIP MANAGER II 11/2007-01/04/2013
As the designated single point of contact within a high volume call center environment, responsible for the monitoring
and
managing a portfolio of mortgage loans in various stages of delinquency.
Conducted phone interviews with borrowers established a rapport and gained customer confidence during the loan
modification process. Conversations are to understand hardship and reasons for delinquency and determine
customer
willingness and ability to resolve delinquency by collection of payments for total amount due or the establishment of a
formal
or informal payment arrangement.
Responsible for entering all verbal income, debt & expenses into the company Loan Administration Portal to
determine best
solution for Homeowner.
Gathering and validation of all income documents provided, complete thorough analysis of Tax Returns, paystubs ,
bank
statements and all pertinent documentation needed to determine borrowers eligibility for workout option based on
investor
waterfall including (i.e., HAMP , partial claims informal repayment plan)
Counsel and educate borrowers on non retention options Short sale, Deed in Lieu, Foreclosure when all retention
options have been exhausted.
Responsible for day to day reporting of productivity to management
Customer Marketing Bilingual Sales Associate II
Responsible for developing rapport with customer to deepen existing client relationships within a high
volume inbound call center environment while maintaining high level of customer service
Optimize sales opportunities by asking probing questions and use of negotiation skills to determine what solicitation
opportunities are best suited for customer.
Optimized decision making skills to achieve pricing yield targets
Consistently met 100% Accuracy and sales goals
Sr. Credit Analyst III:
Responsible for underwriting Bank of America consumer lending products in adherence to bank
Policies and guidelines
Demonstrated proficiency in decision making process within a paperless environment consistently meeting quality
goals.
Conducted over the phone interviews with applicants, prepared online cashflow spreadsheets
along with an in depth analysis of credit & income to determine consumer worth .
CITIMORTGAGE

3. Account Manager: 05/06 -07/07
Provided support to a team of 10 wholesale lending representatives.
Acted as liasion for broker between fulfillment support staff and underwriting staff facilitating in the timely closing of
loan
submissions.
Assisted brokers with loan structuring and pricing scenarios
Approved and signed off loan conditions within assigned lending authority.
Retained and strengthened broker relations with negotiation and stellar customer service skills.
Assisted and supported Loan Processors to maintain adherence to processing service level
standards
Conducted closing audits for completeness to meet investor requirements signed off on closing conditions and
provided
backup to closers in an effort to expedite loan closings.
WELLS FARGO HOME MORTAGE 7/2003 - 3/2006
Account Representative II:
Responsible for pre-underwriting of difficult files for underwriter review
Mentored and coached loan processors
Utilized negotiation and problem solving skills to effectively ensure timely closings of the
more complex and escalated loan files
Demonstrated ability to interface with Management , Underwriting and Loan Processing
staff resulting in deepened relationships between Sales partners and Fulfillment staff
Mortgage Specialist II
Proactively managed a pipeline of 60 plus loan files across multiple regions.
Input loan application onto Auto decisioning system, calculated debt ratios and credit analysis
Approved and signed off loan conditions within designated lending authority and to Wells
Fargo Home mortgage product guidelines
Compiled and reviewed credit and income documentation for accuracy and completeness
COUNTRYWIDE HOME LOANS:
Home Loan Specialist II:/ Account Exectutive 06/2002-7/2003
Responsible for placing outbound calls and generating loans from a list of inhouse leads
Gathered credit and other documents from the customer and third parties in support of the
minimum documentation standards identified by CLUES (Automated underwriting system)
validated AUS data against application data in adherence to FNMA, FHLMC, JUMBO, VA & FHA guidelines
processing
standards -
Package and submitted AUS refers to Underwriter for creditworthiness assuring all loans are processed in
accordance with
Company policy and procedure
Reviewed and logged incoming documentation within 24 hours of receipt.
Communicated loan decision to customer/originator
Coordinated closing with customer; advancing closing documents and closing instructions to
closing agent
Acted as a primary contact for Borrower, provided updates to borrower at key points throughout the loan process to
ensure a
positive customer experience
Performed Tax Return analysis, communicated loan conditions to borrowers,
Resolved title issues directly with Title Co.
CONTINUTINING EDUCATION COURSES:
Proschools 8 hour safe training 2014 Ability to Repay & Quality Mortgage training