Tiffiny Carpenter

Greenville, MI *****

acvcl6@r.postjobfree.com - 406-***-****

To secure a position within a company that will challenge my business and communication skills with the opportunity for advancement.

Authorized to work in the US for any employer

WORK EXPERIENCE

Finance Manager

Ed Koehn Ford - Greenville, NC - April 2016 to Present Pull credit, assign a fit-able lender for the customer and there needs for a vehicle loan. To to secure each sale and ensure that every vehicle sold is delivered. Cordinator

Ronald McDonald House Of Western Michigan - Grand Rapids, MI - September 2013 to May 2016 Responsibilities

• Program Coordinator-Strive to provide a home atmosphere of care and compassion, for families in need, providing a helping hand and a listening ear.

• Collaborating with guests, employees and volunteers, implementing all policies and procedures to maintain a clean and secure house.

Sr Processor

LMCU - Grand Rapids, MI - May 2014 to May 2015

Skills Used

Responsibilities

Establishes and maintains positive contact with parties involved including; realtors, sellers, applicants, service providers, title co., lenders etc. to ensure timely and accurate receipt of items necessary to complete the transaction and to obtain an understanding of their expectations Processor

Team Mortgage - Grand Rapids, MI - January 2013 to May 2014 Responsibilities

Establishes and maintains positive contact with parties involved including; realtors, sellers, applicants, service providers, title co., lenders etc. to ensure timely and accurate receipt of items necessary to complete the transaction and to obtain an understanding of their expectations Processor

Member First Mortgage/Aerotek - Grand Rapids, MI - April 2012 to November 2012 Processing, training and managing pipeline in a timely manner, of conventional, HARP, government and/or CU Port loans for credit union members. Evaluate loan documentation; maintain accuracy and high level of customer service in a timely process.

Customer Service

Shaffer's - Grand Rapids, MI - July 2010 to June 2012 Cashier, assisted in accounting, preparation functions and customer service. Subordination

Adecco/Fifth Third - Kentwood, MI - October 2011 to April 2012 Fifth Third bank (Adecco) Subordination Department-Write subordinations to secure a lien position on mortgage or deed of trust.**from Feb to April 2012 Commercial Loan Operations-Collateral Special Projects; researching mortgage related items including final title policies/searches, mortgage recording and satisfactions, missing vehicle titles and original loan documentation. Volunteer

GLC Hope Ministries - Greenville, MI - September 2010 to June 2011 Phones, data entry, food pantry and Gods Closet

Processor/Underwriter- Wells Fargo Home Mortgage

Remedy/Wells Fargo Home Mortgage - Billings, MT - April 2009 to September 2009 Responsible for performing loan documentation duties on the most complex loan packages to ensure compliance with Company policies and government regulations. Performs duties related to the processing and/or closing of loans. Managed an assigned pipeline of all loan types relative to business line of Wells Fargo. Contacted customer for internal or/and external information during the loan process. Negotiates and determines viable solutions to make deals work while balancing high credit quality or Provides work direction to a team of Loan Documentation Specialists, ensuring unit's work is completed on time and accurately by planning, coordinating and monitoring daily activities. Acts as an escalation point for specialists to resolve issues and provide training. Acting as a liaison between lenders and legal departments to assure smooth and timely outcome.

Collection Clerk

Preferred Federal Credit Union - May 2008 to April 2009 Assist the collection department, to ensure timely collections of delinquent loan and Visa accounts, helping to initiate the appropriate actions and maintain the records and files. Responsibility of various reports such as negative checking and savings accounts. To perform backup collection duties as needed, also work as a teller. Supervisor

Cory's Restaurant - August 2006 to May 2008

Waitress/Bartender-Cory's Restaurant

Owner/Office Manager

Appraisal Office.Biz - Rockford, MI - June 2001 to April 2006 Coordinating with office staff, broker and lenders to make sure all appraisals are correct and done in a timely matter. Responsibilities include accounts receivable and payable, payroll, and HR. Researching property information and history. Research for comparable regarding the subject property on many Michigan M.L.S boards to assure a acceptable comp. Going out into the field and analyzing the subject properties and its surroundings.

Account Executive

Am Mortgage - Grand Rapids, MI - June 2002 to January 2006 Communicating with customers to evaluate loan applications and documents. Obtain additional information, approve and reject loans, process all files and complete closing procedures. Account Executive/Manager

Appraisal Office - October 2001 to June 2002

Placing clients into programs to fit their mortgage needs to succeed in refinancing or purchasing properties. Working with desk underwriting and many different lenders and there representatives. Lien Release Clerk

Westaff/Old Kent Mortage - Grand Rapids, MI - April 2001 to September 2001 Post payoff department, data entry, preparing lien releasers, reviewing mortgage documents, processing payoffs, title search and general office work.

Account Manager

Pinnfund USA - Greenville, MI - February 2000 to March 2001 Responsible for the submissions of full files to the underwriters which includes preparing flood certifications, title insurance, mods, pricing exceptions, appraisal review and all financial documents. Review and stack files, discussing them with broker and underwriters in order for loan to close. Account Executive

Cumberland Mortgage - Traverse City, MI - April 1999 to February 2000 Bartender/Supervisor/Cook

Hucks Happy Go Lucky - Greenville, MI - June 1995 to December 1998 Manager

Legends Bar - October 1991 to June 1996

EDUCATION

Psychology

MCC College

1990 to 1998

ADDITIONAL INFORMATION

Qualifications

Highly motivated team player with over 20 years' experience in management including: coordinating, negotiating, sales, customer service, accounts receivable and payable, problem solving and public relations Goal Oriented individual with proficient skills in customer service, thoroughness, confidentiality and professionalism. Effective financial skills software and planning, verbal communication and dealing with complexity.

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