Mortgage and Title Company Professional with 30 years experience (23 in Mortgage Lending
and 7 in Mortgage Title Industry) seeking employment opportunity where my skills and
experience will be utilized daily for the benefit of my employer. Strong leadership skills. Ability to multi task and remain well organized. Thrive in high pressure and fast paced environment. Computer proficient including TCS, DU/DO, LP, Calyx point, Microsoft Word and Excel. Personable team player. Self-disciplined. Effective time management, able to meet and exceed production deadlines with very low defect percentages. Proactive problem resolution and customer service. Excellent written and communication skills. Strong Analytical skills. Strong work ethics. Strong ability to conduct research using internal and external resources.
EXCELLENT REFERENCES AVAILABLE UPON REQUEST
Extensive knowledge of Conv, FHA, VA, MHA and HELOC loans guidelines, respa and compliance.
Extensive knowledge of title closing processes for all states, guidelines and compliance.
Computer proficient including TCS, DU/DO, LP, Calyx point, Microsoft Word and Excel.
QUALITY REVIEW, SR SPECIALIST November 2009 to CurrentStewart Title － St. Louis, MO
Completing the audits for Quality Review and Issues Resolution departments. Responsible for timely review of executed loan packages to ensure they are in compliance for disbursement. Problem resolution of all issues on the executed loan packages. Communication with internal and external customers for proper resolution of issues within all guidelines and procedure processes for multi states. Training of new associates when requested.
HOME SERVICES SPECIALIST II February 2009 to November 2009Bank of America － St. Charles, MO
Processing mortgage loan applications. Contacting customers to ensure accuracy and obtain the necessary documentation. Ordering required documents appraisals, flood letters, title reports. Pre-underwriting and submitting the files once processed, (calculating income, bank accounts, credit reports, appraisals, property inspections, flood letters) to underwriting. Clearing loan conditions before submission to closing department.
MORTGAGE COUNSELOR June 2008 to February 2009NACA Neighborhood Assistance Corporation of America － St. Louis, MO
Responsible for outreach to all area realtors, companies and residents. Counseling prospective homebuyers for purchase program. Processing file, gathering documentation and submitting file after initial underwriting. Clearing of all conditions. Gathering required documentation, preparing budget and submitting modification requests to Loss Mitigation departments at investors for foreclosure preventions. Conducting bi-weekly workshops for both purchase and "homesave" customers.
CONSUMER LOAN OFFICER/UNDERWRITER April 2007 to October 2007Pulaski Bank － Creve Coeur, MO
Originating HELOCs for 30 loan officers. Contacting customers, selling the product and taking applications. Ordering appraisals, credit reports, title reports and flood letters. Obtaining necessary documentation from customers. Underwriting all files and clearing all conditions Closing the loans with customers.
MORTGAGE LOAN OFFICER SPECIALIST September 1996 to April 2007Pulaski Bank/Leader Financial － O'Fallon, IL
Responsible for placing all company fallout loans with investors. Contacting borrowers and re-originating the files per new programs. Taking applications and forwarding all respa docs to borrowers. Responsible for all phases of loan processing. Obtaining all necessary documentation from customers. Ordering and reviewing appraisals, credit reports, title reports, etc. Submitting loan packages to the investors per their individual guidelines. Clearing all conditions. Coordinating figures and documents with title company. Daily communication with customers, real estate agents, account reps, underwriters, appraisers and title companies to ensure timely closings. Effective problem solving in all areas to successfully close transactions.
MORTGAGE LOAN PROCESSOR November 1991 to September 1996Leader Financial － O'Fallon, IL
Processor of Conventional, FHA and VA loans. Responsible for all phases of loan processing. Ordering appraisal, flood letters, credit reports, title work, all verifications. Submitting loan packages once completed (income calculations, credit issues, appraisals, etc.). Clearing all conditions and sending files to closing.
MORTGAGE LOAN PROCESSOR May 1986 to May 1991GMAC Mortgage － Collinsville, IL
Responsible for all phases of processing Conv, FHA and VA loans. Ordering appraisals, flood letters, credit reports, title work.Submitting files to underwriting and clearing all conditions. Daily communication with loan officers, real estate agents, customers and all involved in file to ensure timely closings.
High School Diploma : 1977Collinsville High School － Collinsville, IL