A Highly Driven Self-Motivated Mortgage Professional with over 10yrs “Hands On” experience in building and managing customer relationships. Earned fast-track promotions as top producer in various positions applying comprehensive knowledge regarding credit analysis and documentation review. Stay abreast of current underwriting guidelines and compliance regulations for conventional and government insured loans for both conforming and non conforming, FHA, VA, Modifications, Jumbo Loans etc...Eager to continue my successful career in being a major contributor with a respectable established organization. “SAMPLE WORK AND REFERENCES AVAILABLE UPON REQUEST”
Skills and Characteristics
Adapt to change while working under time constraints to meet production requirement deadlines with quality assurance
”Eagle-Eye” (nicknamed) attention to detail and organization
Uses reason, facts, and commonsense while analyzing and applying guidelines
Risk Assessment
Calculate DTI, LTV Ratios per guidelines
Make independent solid decisions with critical and analytical thinking
Team building with motivation and leadership skills
A positive go getter attitude with strong self goal orientation in “Going the extra mile to get the Job Done”
Fast pace multi-tasking skills with accuracy
Steadfast in proper reporting and updating information in a timely manner
By understanding the bigger picture on how the loan process work-flows, I willingly assist other departments to promote a swift clear to close
Work Experience
(Remote Contractor)Customer Service W/Tech Support, 06/2013 - Current Crc Insurance Services, Inc. – Hartford, CT,
Self-Motivated in keeping the company’s culture, values, and vision of “Steve Jobs” philosophy in mind, while educating and recommending customers products, services, with solutions. Utilizing consultative selling in tailoring to their needs by overcoming objections and building a lasting rapport to close the sale
Stay abreast with ongoing educational training by continuously passing required assessments/quizzes while managing a fast pace environment. Leading my team with measured outstanding performance in meeting and exceeding various metric quotas consistently ranking in the Top Percentile
Manage and maintain a loan portfolio with a sense of urgency by analyzing documentation submitted by loan processors and pre-quail underwriters. Applying strong analytical skills in making a solid loan decision based on borrower’s credit, income-DTI, appraisals-LTV, assets, and other compensating factors per investor guidelines
Proactively initiated efforts to minimize and clear stipulations in 24 hours or less to expedite underwriting and processing turnaround time with speed and accuracy
Effectively communicated consistently with timely and accurate updates regarding all underwriting PTC stipulations, approvals, clear to closes etc.. Which advanced the follow through of the loan process rapidly moving while minimizing time for closings and maximizing loan fundings a month. Applying this method, I received commendable praises from Loan Officers, Pre-quail Underwriters, Loan Processors, Closers, Management, and Borrowers
Personally processed and maintained a loan pipeline of more complex vip clients
Supervised and monitor daily processors pipelines and tracked submissions per day; Approvals, Conditions, Clear To Closings etc. Working in conjunction with the Compliance Dept. assuring loans met Compliance-RESPA requirements
Overseeing loan pipelines averaging 1700-2000 loans per month during peak volumes operating in 44 multi-states
Hired and Trained for various departments; Prepared performance evaluations, random audits and monitored employees schedules
Processed various types of loans, maintaining a pipeline averaging 100 plus loans; including Conforming, Non-Conforming, FHA, VA, Jumbo Loans and Modifications. Received several recommendations from Loan Officers with resulted in being the only loan processor to advance for training with modifications in result of a fast track promotion within 6 months to Senior Loan Processor
Closing/Funding monthly average of my personal loan pipeline averaged 80 plus loans with over a $7 million loan portfolio and zero adverse action
Cross-trained to help manage Lock Desk reviewing Daily Rate Sheets while using internal systems to Lock, Float and Update Rates On Loans. Consistently met and exceeded expectations ranking in the top percentage with no PTC's stipulations ready for clear to closes
Education and Training
: Suntrust University/Capstone Institute, Expected in - Underwriting DU, LP, FHA, HUD, RESPA, MODS - Dunwoody, GA GPA:
: Business Courses, Expected in - Clayton State University - Morrow, GA, GPA:
High School Diploma: , Expected in - North Springs Charter School - Sandy Springs, GA, GPA:
Computer Knowledge
Encompass (Broker) Calyx Point (Broker) Byte (Broker) Delphi (Broker)
MortgageWare (Lender) Obiqga Systems (Lender) MS Word/ Excel (Both)
AUS Proficient includes: DU,LP,Clout (Clues) Zippy, All Regs etc
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Resume Overview
School Attended
Underwriting DU, LP, FHA, HUD, RESPA, MODS
Clayton State University
North Springs Charter School
Job Titles Held:
(Remote Contractor)Customer Service W/Tech Support