Tracy McCarty

Mortgage Processor/Government Insuring Auditor - Citibank Financial

Jacksonville, Florida 32217

acugxh@r.postjobfree.com - 904-***-****

To acquire a Financial based position with an opportunity for professional growth in a people-oriented organization.

Authorized to work in the US for any employer

WORK EXPERIENCE

Mortgage Processor/Government Insuring Auditor

Citibank Financial - Jacksonville, FL - 2012 to Present Review loan files to verify procedures per guidelines.

• Ensure integrity of all data and process input, order necessary documents and follow-up with vendors/third parties to obtain in timely manner.

• Manage pipeline of loans within required performance and quality standards for welcome, approval and status calls.

• Obtain and review customer documents, and clear conditions commensurate with authority level.

• Submit loans to underwriting for conditional review and full approval upon receipt of appraisal.

• Partner with sales and underwriters on difficult and/or exception transactions.

• Exceed customer expectations by providing highest level of customer service.

• Maintain monthly performance measurements: Timeliness, production goals, suspense, compliance/regulatory, and customer satisfaction.

• Guarantee on time closing by completing all required pre-closing steps; preparing file for closer within required performance standards.

• Mentor new processors as needed.

Escrow Title and Closing Officer

Estate Title and Trust - Jacksonville, FL - 2012 to 2012 Was responsible for ordering title work, obtaining surveys, binder deposits and providing receipts to buyers, ordering payoffs, termite inspections and or home warranty billing.

• Communicated directly with listing agent, selling agents, mortgage companies and insurance companies involved in the new purchase.

• Prepared Pre-HUDS and closing HUDS for final approval prior to closing the Mortgage as a Notary assigned to the file.

Short Sale Negotiator

Bank of America - Jacksonville, FL - 2010 to 2012

Negotiated residential, Freddie Mac and Small Commercial Short Sales ensuring compliance with appropriate company and secondary market investor standards.

• Examined and retrieved loan documentation for accuracy and completeness.

• Worked with Real Estate Agents, Attorneys, Investors, Freddie Mac, MI companies, homeowners, buyers, Title Companies, Closing Department staff and or production staff to secure all required documents.

• Had authority to withdraw, negotiate and decline loans independently.

• Involved in several types of mortgage lending Conventional and Freddie Mac primarily. Assistant Community Director

United Dominion Realty - Altamonte Springs, FL - 2006 to 2010 Resolved resident disputes

• Accounted for and post rent payments for 400+ residents monthly

• Corrected and track resident account ledgers

• Processed maintenance requests

• Rented vacant apartment homes

• Processed three and seven day notices

• Processed and reconcile weekly, monthly and annual reports

• Processed final account statements for departing residents

• Direct assistant to Community Director in all requested areas upon request. Licensed Mortgage Broker

BeechTree Mortgage - Oviedo, FL - 2003 to 2006

Worked warm internet leads

• Developed new contacts via referrals, networking and community involvement

• Produced estimates, pricing, processing and data until completion of the loan process Military Police - 1985 to 2005

U.S Navy Multiple Ports of Call

• Responsible for the protection of highly classified and extremely sensitive material

• Manned the central display station, fire alarm system and patrol

• Responded and protected persons as well as property

• Provided armed guard for VIP's

• Performed car and individual searches to gain access to military and government property ADDITIONAL INFORMATION

SKILLS:

• Microsoft Word • Main Frame • Mortgage Processing

• Microsoft Excel • LPM • Negotiating

• Microsoft Outlook • Auditing • Customer Service

STRENGTHS:

• Strong analytical skills.

• Strong oral and written communication skills.

• Driven with a strong value of Quality Assurance.

• Excellent interpersonal skills both in person as well as phone etiquette.

• Exquisite problem solving skills.

• Thorough understanding of credit and an ability to review complex financial documents.

• Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements.

• Ability to make credit recommendations.

• Commitment to teamwork.

• Continuously meet production, quality and service standards.

• Providing direct coaching and feedback to ensure team building.

• Self-motivated.

• Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.

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