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Oronde K.

McMullen 72 South Brighton Avenue Upper Darby, PA 19082 Phone: 215 219 0892 * E-Mail EMPLOYMENT HISTORY August 2010 - Present Senior Underwriter Investor Repurchase - GMAC Mortgage - Ally Bank - Fort Washington, PA * Conduct loan reviews for all repurchase requests made by investors for Repres entation and Warranty violation * Perform post-closing manual underwrite of loans with respect to specific defi ciencies reported by investors and mortgage insurers * Re-verify information related to income, assets credit history and guideline adherence * Write appeals, based on investigative findings and re-verifications of Borrow er information, to mortgage insurers after "rescission of coverage" notices are received * Use of business and analytical skills to draw information from a variety of i ndividuals and various business environments, compiling information into a compr ehensive database that tracks repurchases * Assist Project Leads, Business Managers and Auditors with follow-up on outsta nding issues related to repurchase concerns June 2010 - August 2010 Underwriter II PHH Mortgage - Mount Laurel, NJ * Utilize analytical skills to assess level of risk across a wide variety of pl atforms and programs * Manual and Automated Underwriting used * Cleared conditions related to Credit, Income, Assets and Property * Maintained knowledge of Fannie Mae and Freddie Mac guidelines * Maintained knowledge of Company and Investor guidelines * Used investigative skill-set to verify income and assets in instances when va lidity was questionable November 2006 - October 2009 Investigator Special Investigations Unit - Radian Guaranty Inc. Philadelphia, PA * Utilize analytical skills and good judgment in assessing level of fraud * Perform manual post-closing Underwriting on loans that were identified as hav ing fraudulent elements * Perform loan file investigation using multiple databases, public records and Borrower interviews * Perform public record searches, appraisal ordering (for comparison with the o riginal appraisal where fraud is suspected) via vendor services, underwriting gu ideline searches and fraud modeling * Obtain banking records, tax records and credit reports for in depth analysis * Gather history on Third Party Originators, loan officers and appraisers * Communicate in a timely and constructive manner with Lenders throughout proce ss * Maintain in depth knowledge of Radian Guidelines, and general knowledge of Va rious Lender Guidelines and Fannie Mae Guidelines * Maintain investigations database * Perform comparison analysis for serial fraud cases * Assist Investigators and SIU Systems Administrators in the ordering of rescis sion checks * Prepared "Insurance Rescission Notification" letters based on results of inve stigation, to be transmitted to lenders * Render reasonable and well supported recommendations to Senior management wit h respect to my own research and findings

* Oversee and prepare files for outside Audit * Make final decisions on loans investigated by third party vendors * Perform additional investigations into loans investigated by 3rd parties that come back with inconclusive results * Counseled homeowners in matters of legal recourse where fraud/identity theft was detected May 2005 - November 2006 Customer Account Specialist - Radian Guaranty Inc. Philadelphia, PA * Resolved website interface issues for Lenders * Created and maintained reporting spreadsheets for designated Lenders * Provided general customer service for Lenders and Borrowers * Resolved Lender problems through direct contact using an internet "instant me ssaging" service * Cleared suspended certificates * Verified renewal rates and coverage percentages for lenders seeking mortgage insurance * Advised Lenders and Borrowers on status of "Home Ownership Counseling" * Resolved Contract Underwriting Billing disputes * Provided Contract Underwriting troubleshooting * Created and maintained MI Online Profiles for lenders * Researched borrower refund issues * Worked with Lenders to resolve complicated disclosure issues * Maintained tracking database * Compiled data for reports using MS Access * Ran various "Datatrieves" using Radian Databases to provide compiled informat ion to lenders for continuous updating of portfolios * Conducted Quality Assurance reviews for lender portfolio data March 2003 - May 2005 Tax and Insurance Specialist American Business Financial Services - Philadelphia, PA * Protected ABFS property from tax foreclosure due to tax delinquency * Maintained working relationships with various County Taxing Authorities * Resolved escrow miscalculations and shortage issues * Worked with Legal Department on tax foreclosure/tax sale redemption issues * Conducted Quality Assurance reviews for and in conjunction with REO Dept. * Maintained Tax Queue for delinquent tax tracking purposes * Provided delinquent tax status to the "Loss Mitigation" department for the pu rposes of advancing taxes for the completion of the Forbearance process * Maintained spreadsheets for various projects * Wrote new department policies and procedures, which were instituted in compan y restructuring * Trained all temporary and new staff for the department Collections - American Business Financial Services- Philadelphia, PA * Resolved delinquency in Queue containing over 200 accounts * Skip Tracing * Assigned agents for field chases * Analyzed credit reports * Provided financial counseling for delinquent customers December 2002 - February 2003 Associate - Brooks Brothers- Philadelphia, PA * Providing sales and customer service support to ensure the satisfaction of al l customers * Sorting and set up of inventory and sales floor merchandise * Providing general support to senior sales and management team * Working with management team to identify methods to improve productivity

August 2000-February 2002 Credit Adjuster-Daimler/Chrysler Services LLC N.A. Horsham, PA * Collected delinquent accounts between 30 and 120 days past due * Cued up to 600 delinquent accounts inside a 30 day period (95% cure rate was obtained on average) * Consolidated information from the 3 major credit bureaus, The Social Security Administration, and other lending institutions * Directed field agents in the recovery of Daimler/Chrysler collateral * Authorized payments to informants pertaining to the whereabouts of Daimler/Ch rysler collateral * Provided general customer service in a fast paced environment, which included fielding calls from disgruntled customers, dealership representatives, DMV agen cies, etc. * Analyzed high security information for tracking purposes (i.e. credit applica tions, credit bureau reports, and social security information) * Supervised team of 10 Credit Adjusters in the absence of team supervisor EDUCATION Stillman College 1995-1998 English/Religion and Philosophy Tuscaloosa, AL Special Training And Skills: * Proficient user of Microsoft Office, Fast Data, First Pursuit, ACCURINT, Land safe web interface for AVM and Credit Reports, LexisNexis tools experience * Financial Agent Workbench (FAW) and Credit Bureau Software in a Windows envir onment * Expert user of MS Excel * Proficient user of MS Access * Strong communication, team building, organizational, conflict resolution, and risk mitigation skills * Completed continuing education course in conflict resolution * Excellent Writing Skills COMMUNITY SERVICE/ACTIVITIES * F&AM - Community service and charity organization * Brother's Embracing Brother's - High risk community outreach organization 1