C HARLOT TE Y. SPENCER
Houston, Texas 77067
Home phone: 832-***-****
Cell phone: 832-***-****
O BJECT IVE
Seeking employment with an aggressive company where there are opportunit ies for
advancement.
ACCOMPL ISH M ENTS
J P MORGAN CHASE N .A. 11/95 – 10/09
Transaction Processing Specialist/Mortgage Warehouse Division
Responsible for the execution of all daily operational functions for assigned clients within a
team environment. M anage a portfolio of approximately 3-5 syndicated / non-syndicated
accounts.
SPECIFIC DUTIES AND RESPONSIBI L IT IES:
• I ni tiate loan activity as instructed by the client in accordance with their legal
C redit
A greement
• Review and certification of GNMA/FNMA/ and FHL MC loans
• E nsure collateral deficiencies, ineligible collateral, and sublimit failures are
p roperly
approved in accordance with the Residential Mortgage Banking C redit Policy.
• M anage the process of contacting lenders on the behalf of borrowings, pay downs
and debt
reallocations.
• P rovide feedback to external bank clients regarding day-to-day operation.
• Adhere to all M ortgage Banking Warehouse policies and procedures.
• Reconcile daily funding and payment activity to account for all daily cash
t ransactions.
• T horough knowledge of mortgage documentation and warehouse criteria.
• O rganize and manage the maintenance of collateral files and balancing physical
i nventory
w ith the Mortgage Banking Warehouse System.
• E nsure compliance with audit requirements, Mortgage Finance Loan Services
controls and
i nternal quality requirements.
• P rovide information as requested by Clients, Business Partners and Syndicate
Lenders.
• P rovide ongoing feedback to supervisors and business partners, as necessary.
C OMPUTER SKILLS
SOFTWARE : M icrosoft Excel, Microsoft Windows, Word Perfect, Outlook, Email, Intralinks, ACBS
and TS- Link
O THER SKIL LS
Typing, ten-key, Copy machine, and Fax machine
E DUCAT ION
Douglas MacArthur Senior High
S tudies: General