Customer Service Accounts Payable
Resume:
KIMBERLI M. ROBINSON
Baton Rouge, LA 70815
SUMMARY OF QUALIFICATIONS
A conscientious self-starter with multifaceted capabilities in Mortgage
and Financial services. Strong oral and written communication skills.
Highly personable; able to effectively interact with people in all
situations. Demonstrated ability for attention to detail, working with
a high degree of accuracy, trouble shooting and solving problems,
performing confidently under pressure, and quickly assimilating new
information.
Experienced in planning, coordinating and directing designated projects.
Proficient in use of various computer applications including Gallagher,
Mortgage Ware, Calyx, Point, Genesis 2000, Encompass, LPS, Microsoft
Office XP, Excel, Word; familiar with basic operation of Power Point
and Access. Exhibits a high level of integrity and personal commitment.
EXPERIENCE PROFILE
Wells Fargo Mortgage - Baton Rouge, Louisiana
Underwriter 3 (December 2010 - Present)
Review, analyze, and approve, unusual or complex individual
Conventional and HARP loans within company guidelines.
Examine, review financial statements, credit reports, and
applicable rations (i.e. debit ratios, loan to value).
Evaluate transactions to ensure accuracy and completeness; preparing formal
reports for review ensuring all documents are consistent
and uphold company and industry guidelines.
Implementing fraud detection techniques and perform compliance
reviews. Assist with re-negotiations of
loans based on lending guidelines; contacting customers and Loan Officers
to gather information to make appropriate
decisions and explain rational behind credit decisions.
Underwrite using policy and procedures as well as investor
guidelines and regulatory updated including FHA, VA, FNMA
and FMLMC guidelines and standard.
American Gateway Bank - Baton Rouge, Louisiana
Over Seven years of progressive responsibility and achievement.
Loan Coordinator Processing/Closing Specialist/Pre-
Underwrite/Originator (April 2003 - December 2010)
Employee of the Quarter September 2008
Receive new originated loans and pull and edit credit
bureau, mail three day documents, order flood certificates, OFAC,
HMDA hazard policies, payoffs, pay histories, title policies, clear up
any and all judgments and/or liens on title, verify
employment and calculate income into debt ratio. Quote and lock in
interest rates.
Process, Pre-Underwrite credit and appraisals and close FHA, VA,
Rural Development and Conventional loans, gather all
necessary information and Pre-Underwrite credit and appraisal on
loans for Lenders/Investors for pre- approval and final
approval. Track loan through underwriting process and obtain any
additional items needed for final underwriting approval and
send file to closing
Closing duties included, typing closing package, balancing
settlement statements, verifies lender and title company
fees. Prepare and ship closed file to investor for purchase. Post
closing/auditing, clearing any/all conditions before and after
loan is sold and funded. Also clearing third party conditions after
the second sale of the loan.
Accounts Payable/Receivable on all loans closed (Wire Funds,
Appraisal bills, Insurance/Tax payments, Attorney fees)
Withdraw all cancelled and denied loans in system: Audit for
bank approval, sort, stack, ship and file.
Assist Vice President with generating month end report for
all construction loans, tract draw schedules and update
monthly report with commissions for Loan Officers after loans fund.
Also originated (Loan Officer) loans on a needed basis.
La Real Estate Mortgage - Baton Rouge, Louisiana
Processor/Closer/Funder/Originator/Jr. Underwriter (June 2002 -
April 2003)
Tracks support information for loan processing and closing. Duties
include collecting, maintaining and sending all
paperwork to title company for closing; checking all files for
compliance and Pre-Audit before and after loan closing.
Orders title, appraisal, payoffs and clears all judgments and liens
on title report, lock in interest rate, edit credit bureaus.
Handled appropriate accounts payable/receivable and balance HUD's.
Audit all cancelled and denied loans for compliance.
Also originated (Loan Officer) loans in Louisiana and Mississippi
and process all REO loans.
Pre Underwrite all conventional loans with on staff PMI
underwriter.
KIMBERLI M. ROBINSON -- PAGE TWO
American Fidelity - Baton Rouge, Louisiana
Wholesale Vice President/Account
Executive (September 2001 - June 2002)
Manage broker pipeline weekly, report finding to Regional
Vice President.
Interview/hire and train processors, closers and loan officers.
Track time sheets, report payroll/commissions.
Generate all new broker business.
Receive new broker packages; verify references, credit, license
sent to Regional VP for final approval.
Pre qualify, underwrite and audit new applications for brokers, ran
through pre-approval/underwriting status using DU, Yes
Banker, Aurora, Finance America and HFC. Price out loans and fax Pre-
Approval to broker with auditing and pended information
Assist investors with obtaining and/or researching any
additional items needed for sale of loan to investor.
Originated loans in Louisiana, Mississippi, Florida, Alabama and
Arkansas
GINGER MAE FINANCIAL SERVICES - Baton Rouge, Louisiana
Processing/Closing/Funding Specialist (November 2000 - September 2001)
March 2001, processed most loans by any processor in company's
history.
Receive leads daily, log and track on spreadsheet, input into
Mortgage Ware.
Corrected any/all information before forwarding documents to Loan
Officers and Underwriter for Final Approval.
Requested and reviewed loan closing documents for compliance forward
to closing agents for signing.
Shipped to outside investors (Household, RFC, Equicredit etc.).
Also originated (Loan Officer) loans on occasion.
Assisted underwriter in review of files (Pre-Underwriting)
UC LENDING - Baton Rouge, Louisiana
Branch Processor/Closing/Funding Specialist (February 1995 - November
2000)
Ranked as Top Processor 9 times.
Ranked in top three processors 15 times since July 1998.
Managed all Closing/Processing duties.
Performed all Underwriting in Asset wise and DU.
Ordering all branch supplies, cataloging all incoming leads,
balancing daily and monthly reports.
Scan/Image all closing packages; perform Quality Control before
shipping files to Home Office for Investor Sale.
Accounts Payable/Receivable on all loan proceed (Wire Funds,
Appraisal bills, Insurance/Tax payments, Attorney fees)
Pre underwrote branch files before sending to home office for
final review.
Tracks support information for Customer Retention Underwriter.
Primary duties include collecting, maintaining and
processing loan documentation; sending paperwork to title company's
and attorneys for closing; and Pre-Auditing documentation
for compliance before and after loan closing.
EDUCATION
Louisiana State University - Baton Rouge, Louisiana
Attended January 1987 to May 1988.
McNeese State University - Lake Charles, Louisiana
Attended August 1986 to December 1986.
Alpha Mortgage Training - 2009-2010
E-Training Seminars/Webinars for FHA Processing, Closing Jr.
Underwriter Training
FHA Seminars - Baton Rouge, Louisiana 2008-2010
How to purchase a home Rules and regulations of FHA
Fred Pryor Seminars - Baton Rouge, Louisiana 1998-2003
Attended 5 different Customer Service/Manager Seminars
Continuously take online refresher courses monthly through PMI,
MGIC, HUD MBA and E-Compliance for bank and mortgage
compliance training. For example, Loan Origination, Processing/Closing,
Underwriting refresher, Money Laundering, Fair
Lending, HMDA, Ethics and Lending Guidelines. All test scores range from
80% to 100%.
References available upon request.
Contact this candidate