Charismatic, Self starting, Self motivated, individual focused on business opportunities by delivering exemplary service through understanding of each client's individual needs. A respectful and respected professional with exceptional knowledge mortgage, finance, and banking. Seeking a new position as a Trainer with a great organization.
Skills
Detail-oriented
Call center experience
Windows 10
Outlook
Powerpoint
Sharepoint
AS400
Homebase
Black Knight
LPS Desktop
Financial analysis
Printer, copier, scanner, fax
Mortgage Underwriting
Loan Processing
MSP
CMS
Lexis Nexis
Falcon / Vision
Collections
Empower
Customer service
Mortgage servicing
Loan Servicing
Consumer banking specialist
Analytical thinking
Risk
Compliance
Controls
Auto
Financial Advisor
Relationship Manager
Training
Project Management
Leadership Roles
People-oriented
Expertise in Excel
Forward-thinking
Financial modeling
Excellent time management skills and time blocking
Goal-oriented
Training & Development
Collaboration
Cultural awareness
Interpersonal Communication
Reading comprehension
Compassion
Troubleshooting
Relationship-Building
Priority management
Education
Strayer UniversityDallas, TXExpected in – –BBA:Business Administration - GPA:
Still attending
International Organization For Project Management, Expected in 09/2019 – –Certification:Project Management - GPA:
National Association of Mortgage Underwriting, Expected in 06/2019 – –Certification:Mortgage Underwriting - GPA:
Strayer UniversityDallas, TX, Expected in 04/2019 – –Certification:The Essentials of Managing Conflict - GPA:
Strayer UniversityDallas, TX, Expected in 04/2019 – –Certification:Developing Effective Teams - GPA:
Skyline High SchoolDallas, TXExpected in 2005 – –High School Diploma: - GPA:
Work History
City National Bank Of West Virginia - Mortgage Loan Processor & Underwriter Trainer Ranson, WV, 11/2020 - Current
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Maintained compliance with privacy and security requirements, as well as federal statutes covering FHA, VA, Conventional, Refinance, Purchase, Reverse, loans.
Reviewed financial statements and contacted institutions and customers to clarify details.
Coordinated closing process with attorneys, title companies and government clerks.
Evaluated approvals against established bank and government lending standards.
Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Set up and completed loan submission packages.
Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Assisted Management, VP's, and Senior level Executives and VP's by calculating group and individual renewal rates based on customers' background, industry and demographic information.
Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
Verified integrity of applicants' information to minimize fraud.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Provided high level of assistance to Processors, Underwriters, Trainers, and Management helping with review, classification, coding and rating of applications.
Supported review and acceptance or denial of new or renewal business.
Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Met with customers, agents and brokers to negotiate coverage, price and service delivery.
Calculated group and individual renewal rates based on customers background, industry and demographic information.
Review Refinance and Purchase mortgages and defended lenders from FNMA, FHLMC and MI claims.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Drivetime Financial - Senior Collector II / Senior Loan Advisor City, STATE, 03/2016 - 01/2020
Performed proper calculations and prepared payoff figures
Reviewed collection reports to determine the status of collections and the amounts of outstanding balances
Trained new team members on scripts, company services and performance strategies
Used skip tracing and other techniques to locate debtors
Set up drafts and processed immediate payments
Monitored accounts for compliance with established payment plans
Followed up with customers to collect information and verify details
Achieved performance goals on a consistent basis
Provided reinstatement and payoff quotes to clients
Handled various accounting transactions
Advised, educated, and counseled clients on their car loan
Maintained friendly and professional customer interactions
Collected member loan payments
Utilized scripted conversation prompts to convey current account information and obtain payments
Worked in call center environment handling manual and automatically dialed inbound and outbound calls
Trained new collections representatives on collections processes and incentivized team members to achieve production goals
Negotiated with accountholders to devise repayment plans and minimize collections receivables
Maintained compliance with fair debt practices and regulatory guidelines
Persistently reached out to customers with extremely past due accounts to recover lost revenue
Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action
JP Morgan Chase Bank - Relationship Coordinator / Mortgage Underwriter City, STATE, 10/2011 - 11/2018
Daily pipeline management and maintaining SLA
Meet all quality metrics as communicated by management
Proficient in all investor and company guidelines
Ensures adherence to policies, guidelines and procedures as well as compliance regulations (HMDA, TILA, RESPA, HOEPA, FCRA and ECOA) and credit guidelines
Assist with renegotiation of loans base on credit guidelines
Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation
Proficiency with computer systems including MS Office (Word, Excel, and Outlook), Internet Browsers, and email functions required
Mentor and train junior staff
Thorough knowledge of complex personal and/or business financials and the ability to review complicated tax profiles
Ability to meet deadlines and work in a fast-paced environment and demonstrate a proven track record of multi-tasking
Ability to decision 50+ files, (or) 40+ funded loans per month
Bank Of America - Mortgage Underwriter City, STATE, 11/2008 - 08/2011
Responsible for adhering to the targeted underwriting turn-time requirements, while also assisting in the exception process in order to meet customer closing expectations on a case-by-case basis. Proactively communicates with their manager in the event turn-time expectations cannot be met
Created profitable and efficient solutions
Reviews loan files to validate that all requirements of Bank of America's product descriptions have been met and the loan is underwritten in accordance to investor and/or applicable agency (FNMA, FHLMC, FHA, VA, USDA) guidelines
Insures that any loan file underwritten is within their authority as defined by their direct manager
Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans
Assessed clients' financial data to determine loan suitability
Analyzed credit, income, compliance, title documents and appraisals during underwriting process
Evaluated pay stubs, credit history, tax information and bank statements for financial status
Observed all regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches
Recommended loan approvals and denials based on customer loan application reviews
Assisted senior-level credit officers with complex loan applications
Originated, reviewed, processed, closed and administered customer loan proposals
Reviewed and edited loan agreements to promote efficiency and accuracy
Successfully closed average of 40+ loans per month
Maintained compliance with privacy and security requirements, as well as federal statutes covering all loans
Processed loans with various departments to ensure timely, accurate and fair proceedings
Coordinated closing process with attorneys, title companies and government clerks
Maintained long-term relationships with customers to provide best-in-class customer service
Provided quick turnaround times to maintain fast-past schedule
Acquired management approval for loan products, including small business and commercial loans
Determined company policies and guidelines and ensured company compliance
Prepared documents for underwriting by verifying client income, credit reports and other information
Set up and completed loan submission packages
Reviewed financial statements and contacted institutions and customers to clarify details
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