Real Estate Customer Service
Resume:
PHYLLIS L. BAILEY
***** ******* ****** Atlanta, Georgia 30346
* C 203-***-**** * **********@***.***
OBJECTIVE To contribute to your organization as well as utilizing
my training in Business
Administration and expertise in real estate closings, sales,
customer service, credit and collections, mortgage
processing/origination, and underwriting gained in diverse
legal, financial, insurance and mortgage environments.
PROFILE . Proven professional, adept at prioritizing and
completing multiple real estate closings
within strict time limitations and customer/legal
specifications.
. Effective communicator, who serves as liaison to
multiple departments of a company to enhance overall
efficiency, productivity and profitability.
. Designated troubleshooter, chosen to identify and
resolve the most difficult
administrative, organizational, pre-closing, closing
and post closing matters.
PROFESSIONAL EXPERIENCE
2/12-8/13 Closer, Suntrust Mortgage, Atlanta, GA
> Review and approve Hud-1 Settlement Statement for accuracy
and compliance.
> Responsible for working closely with Closing Attorney's to
prepare and review all legal documentation to ensure
SunTrust's first lien position.
> Work within aggressive time constraints to communicate and
guarantee accuracy of documents with Loan Officers and Loan
Processors.
> Request wires, conduct verifications of employment, review
Underwriting Conditions for accuracy and independently
review complex loan terms against SunTrust guidelines to
ensure salability of loans.
2/11-02/12 Underwriter, Suntrust Bank, Atlanta, GA
> Responsible for underwriting and analyzing credit for
Consumer Home Equity Loans, Lines of Credit, and other
consumer lending products as well as provide workable
solutions by negotiating loan structure and interest rates
adhering to Suntrust guidelines and regulations .
> Responsible for communicating to client credit decisions as
well proper documents to
support loan application as well as schedule closings.
2/08-2/11 Client Support Specialist
> Serve as liaison for Suntrust distribution channels as well
as external clients. Responsible for communicating the loan
approval decision, the loan coordination process, and
scheduling closings.
12/06-10/07 Real Estate Paralegal, Devoe Law Firm, Tucker, GA
> Prepared HUD 1 Settlement Statements. Serve as liaison
between attorneys, customers, brokers, and lenders as well
as schedule all closings.
> Prepared closing documents, including deeds, notes,
affidavits, contracts, amendments and other documents
required at closing.
> Post Closed all files, reviewed documents to determine that
they have been properly notarized and executed according to
regulations prior to being sent to the appropriate parties.
02/05 - 11/06 Real Estate Paralegal, Dewrell Sacks, Attorneys-at-Law,
Atlanta, GA
> As paralegal prepared HUD 1 Settlement Statements. Serve as
liaison between attorneys, customers, brokers, and lenders
as well as schedule all closings.
> Draft closing documents, including deeds, notes,
affidavits, contracts, amendments and other documents
required at closing.
> Assist in the post closing department, review documents to
determine that they have been properly notarized and
executed according to regulations.
08/04 -02/05 Loan Officer Assistant, First Integrity Mortgage, Atlanta,
GA
> Assisted the President/Owner with originating mortgage
loans. Consistently grew mortgage loan volume through
establishing, developing, and maintaining relationships
with realtors, homebuilders, and other networking avenues.
02/04-08/04 Mortgage Consultant, Homestead Financial Mortgage, Atlanta, GA
> Solicited mortgage loans from referral sources, internal
leads, and other cold calling.
> Created and developed long-term business relationships that
met or exceeded corporate goals. Pre-qualified and
performed detailed financial analysis on potential clients.
PROFESSIONAL EXPERIENCE (Continued)
04/02 - 11/03 Underwriter, Nova Corporation, Knoxville, TN
> Performed detailed credit and financial reviews of retail
establishments, restaurants, Internet, and mail order
companies to provide clients with credit card payment
options.
> Assessed relevant risk factors associated with credit
approval using multiple research tools including Dunn &
Bradstreet reports and financial data/credit rating
reviews.
> Ensured adherence to all underwriting guidelines while
processed 35-40 applications/day.
12/00 -02/02 Assistant Loan Officer, The Chase Manhattan Bank, New
York, NY
> Promoted to Assistant Loan Officer, to facilitate loan
processing through client screening and pre-qualification,
performing detailed financial analysis on all loan
applications, and serving as liaison between Loan Officer
and key clients.
> Tracked and monitored loan status through closing, and
build strong relationships with: realtors, attorneys,
builders, and buyers to achieve win/win outcomes.
Relationship Representative
> Hired as a Relationship Representative to manage an account
portfolio while focusing on portfolio growth. Functioned as
a "solutions provider" while aggressively marketing new
bank products to new and existing clientele.
6/90 - 09/96 Senior Loan Specialist,
> Assisted in the loan approval process for businesses
seeking financing for the purchase of commodities.
> Calculated interest and fees on loans and maintained daily
accounting records.
05/98 - 12/00 Client Financial Analyst/Accts Receivable/Coll Specialist,
TheTravelers Group,Westport, CT
> Upon Travelers Property & Casualty's merging with Citibank,
was promoted to Client Financial Analyst to market,
present, and sell Citibank products and services to valued
clients.
> Resolution of billing or payment of discrepancies for
distressed and or bankrupt Corporate Accounts in
collections.
EDUCATION Business Administration, Tougaloo College, Jackson, MS,
1986-1987
SOFTWARE MS Windows XP, Word, Excel, PowerPoint, SoftPro, Internet
Applications
CERTIFICATION Notary Public
REFERENCES Available upon request
Contact this candidate