Jessica Freeman

Detail- and results-oriented Senior Processor, with 7 years mortgage lending background in underwriting, processing, closing and quality control. Experience includes reviewing, analyzing and approving conventional, government and loss mitigation loans for credit worthiness utilizing company, agency and investor guidelines. Specialize in analyzing credit and collateral for Home Affordable Modification Program (HAMP) and Home Affordable Refinance Program (HARP) loans. Proficient in loan processing, closing and quality control. Strong analytical skills; proven management skills including excellent oral and written communication. Possesses a high degree of attention to detail; and the ability to communicate and work with all levels of senior management, staff, and outside customers. Additional areas of expertise include: Underwriting Management Loan Review/Assessment Financial Analysis/Evaluation Loan Processing Appraisal Review Evaluation FHA Underwriting Loan Restructuring Loan Closing Specialties: Specialties• Evaluate and analyze credit, income, assets and collateral submitted for modification approval. • Workout and restructure delinquent loans utilizing HAMP; HARP and investor guidelines to ensure borrower meets program criteria and defer foreclosure. • Calculate new payment and new loan terms. • Identify transaction methods that may indicate a potential for fraud and perform investigative research to resolve.