M. Josephine O. Otstott1509 Pinecrest Ave. Charlotte, NC 28205 704-995-0518 MJOTTOTSTO@GMAIL.COM

I have a demonstrated history of positions in a high-volume fast paced mortgage lending industry with a high degree of change. I have a proven ability to think strategically and respond in a dynamic environment with a solid knowledge of operational procedures. I’m detail oriented, organized with strong ability to multi-task and prioritize., and an outstanding verbal and written communication skill set, including a strong working knowledge of IT systems and solid interpersonal skills.

Mortgage Loan:

· Loan Post Close QA and Re-verificationsIndecomm Global Services, Charlotte, NC, Client: Essent Guaranty Inc.

o Review residential loan application files to verify that application data is complete and documentation supporting DU and LP requirements is present. Note the file in preparation for UW QA review. Maintain a pipeline of loans on hold due to missing documentation. Order any documentation that is missing from the loan file. Release loans from hold as documentation is provided.

o Order VOD and VOE re-verifications for percentage of loans with Enhanced Mortgage Insurance. Order re-verification using fax or third party vendors. Maintain detailed documentation in the loan files online and on a spreadsheet. Release the loan to the UW once the QA document review and re-verifications are complete.

o Update and maintain Indecomm proprietary system for internal reporting needs.· Loan Pre-Closing QC and Scheduling

o Review loans ready to close to ensure all guidelines have been met. Calculate final closing figures and make the final disclosure to the borrower.

o Schedule the close with the Title Company or Law Office as indicated.· Loan Processing

o Review loan application package for completeness and accuracy. Aware of and adhere to all state and federal regulations. Ensure compliance with lender policies. Interact daily with Clients, Bankers and Mortgage Loan Officers.

o Gather credit and other documents from the customer and third parties to support the loan approval decision.

o Manage a pipeline of approximately 40 loans at any given time. Collect and track all documentation and information needed to close loans in a timely fashion. Submit mortgage loan application files for underwriting approval. Submit approved mortgage loan file to mortgage loan closer. Organize closings with borrower, lender and Title Company.

· Loan Pre-processingo Manage a pipeline of approximately 60 loans at any given time. Review loan application for

completeness and accuracy. Order missing documentation from third party vendors, Loan Officers, or borrowers.

o Keep information accessible by sorting, organizing, and filing documents. Maintain customer confidence by keeping mortgage loan information confidential. Keep supervisor up-to-date on loan and pipeline status. Updates job knowledge by participating in educational opportunities; maintaining personal networks.

Accounting:

· Payroll, Fixed Asset Management, Expense Reporting, GL Reconciliation, Financial Analyst, Financial Reporting System liaisonHewlett Packard, Sunnyvale, CA and Palo Alto, CA

o Financial Analyst – In Corporate Financial Reporting Dept. I acted as liaison for Group Level reporting. Reviewed and analyzed Group data and prepared “Pipeline” area financial reports for the Executive Board monthly meeting. Liaison to various financial Groups for activities related to monthly actual-vs-budget reporting, forecasting, and targeting.

o Financial Reporting System liaison – Part of team developing a PC-based financial reporting system to replace the mainframe-based system. Researched and documented the flow of data from Division to Group then to Corporate Legal and Management levels. Defined month-end close process at each level. Coordinated Alpha and Beta testing.

· Accounts Payable and Accounts Receivable ClerkInternational Paint Company, South San Francisco, CA

· Corporate bank account reconciliationArcata Associates, Burlingame, CA

Administrative:

· Loan Preprocessing, Loan Processing, Loan Closing QC, Loan Post Close QA, and Office ManagerIndecomm Global Services, Charlotte, NC

o Preprocessing - Review loan package to ensure that required documentation is present.o Processing – Request missing documentation from borrower or third-party. Keep up to date with

government and banks loan requirements and ensure they are met. Manage 200 to 300 emails a day. Maintain open communications between borrower, originator, and underwriter. Ensure loans are processed within guidelines.

o Closing QC - Review loans ready to close to ensure all guidelines have been met. Calculate final closing figures and disclose to borrower.

o Post Close QA – Organizing, and updating systems while reporting daily via Excel spreadsheets. o Office Manager - Manage office security to maintain platform compliance requirements.

Complete and submit weekly expense report for Corporate Amex card expenditures. Handle special requests for HR and VP of Operations. Maintain office equipment and supplies.

· Auditor AssistantPRG International, Charlotte, NC

o Sort and prepare invoices for auditors to review. Create and maintain a vendor database in Excel. Assist auditor to corroborate promotional pricing received based on contract terms using Excel.

· Data Processing TechnicianArcata Associates, Burlingame, CA

o Assist programming consultant in data retrieval and information management. Prepared company “bids” for government contracts.

· Data Entry Clerk and Claims SpecialistAtari Corporation, Sunnyvale, CA

Computer:Excel and other spreadsheets, Word and Word Developer, Outlook.

· Excel and other spreadsheetsAtari Corporation, Sunnyvale, CA, Hewlett-Packard, Sunnyvale CA and Palo Alto CA, Indecomm Global Services, Charlotte, NC

o Used spreadsheet to eliminate key strokes to speed up claims production, to automate expense reporting and GL account reconciliation, and to maintain loan status and notes.

· Word and Word Developer Arcata Associates, Burlingame, CA, Indecomm Global Services, Charlotte, NC

o Create and maintain automated forms for the various platforms using Word Developer.