Amber Pratt

Comprehensively analyzed defaulting residential mortgages to determine credit risk. Investigated investor’s claims to establish validity. Calculated funds for loan buy-back. • Reduced expenditures challenging unsound investor claims using solid analytical intuition and minimal resources. • Nearly an 80% appeal success rate saving roughly $35k per appeal. • Assisted in mitigating fraud and recapturing significant losses from correspondent l

Reconciled residential mortgages to confirm underwriting compliance. Initiated voluntary repurchase of investor loans. Supported third-party lenders with loan buy-backs. Liaised on issues of contractual agreements, collection of debts and the upkeep of underwriting standards. • Contributed in reducing the existing 1400 loan backlog to a manageable level in less than a year. • Created an effective third-party pursuit process where millions of dollars were recovered and loan remedy was nego

Maintained department spreadsheets and databases for auditing and reporting purposes. Examined and validated borrowers’ loan information. • Mitigated loss at an unsurpassed level with top level technology and ingenuity. • Proactively maintained the Mortgage Fraud Investigations team with extraordinary administrative skills

Processed new mortgage loan submissions, cleared conditions, and sent deficiency letters with a high level of accuracy and promptness. • Selected from a team of 35 to train incoming employees. • Established the department’s first functional training guide. • Managed various projects for department research and development resulting in more efficient processes.

Managed incoming real estate title orders and verified complete documentation for application processing. Aided with the production of Title Commitments and provided superior customer service with thorough research and prompt follow up.

Multicultural Communication

Communication, Humanities, Advertising/ Marketing