Phyllis C. Rayfield

P.O. Box **

Cherryville, N.C. 28021

704-***-**** (Home)

704-***-**** (Cell)

abldq8@r.postjobfree.com

Objective:

A challenging position at a growth-oriented firm, which will allow me to both further utilize my skills and acquire new abilities.

Qualifications:

I have worked in the finance, mortgage and banking industry for the past 16 years. I have acquired numerous skills in several departments of loan

operations, loan processing, loan closing and the post closing department. I have experience with taking loan applications and matching the customer

with the lender that most fits their needs giving them the best rate possible. I have excellent customer service, communication, and organizational

skills. I also have skills in accounting, bookkeeping, A/R, A/P, and preparing quarterly reports. I have extensive knowledge of computer programs

such as: Excel, Word, Microsoft Outlook, several programs for the banking and mortgage business using extensive data based programs to input

information.

Relevant Experience:

2010-2010

Account Temps

Loan Processor

Reviewed credit reports

Ordered VOE, VOM,VOR, etc.

Reviewed title reports, appraisals, insurance

Communicated with U/W, Attorneys, Borrower, Realtors

Updated loan processing system

Calculated income, reviewed assets

Reviewed Assets

LP and DU

Knowledge of Encompass Stystem

2009-2010

Bank of America

Loan Processor

Reviewed credit reports

Ordered VOE, VOM, VOR, etc.

Reviewed title reports, appraisals, insurance

Communicated with U/W, Attorneys, Borrower, Realtors

Updated loan processing system

Calculated income, reviewed assets

2008-2009

Randstad

Loan Processor

Ordered VOE, VOR, VOM, etc.

Reviewed title reports, appraisals, insurance

Updated loan processing system

Communicated with Attorney’s U/W, Borrowers, Realtors

Reviewed Assets

Cleared all conditions

2007-2008

Lincoln Mortgage

Loan Processor

Order Credit Report

Review File to determine if loan is admissible for submission to lender

Submit file to lender

Clear all conditions

Order all VOE’S, VOD’S, Appraisals, Insurance, Payoff’s

Communicate with lenders, appraisers, customers, attorney’ s

LP and DU

Calax Point Sytem

2006-2006

Adecco

Loan Processor

Review title commitments.

Order titles

Order Insurance

Update the loan system

Answer customer service calls

Order payoffs, appraisals, VOE,VOM, etc.

2002-2006

Bradford Mortgage Co.

Administrative Assistant, Loan Processor, Post Closer

Accepted and reviewed completed loan packages

• Ordered credit reports, appraisals, VOE’s, VOD’s, insurance, payoff’s etc.

• Corresponded with clients, customers, realtors, builders

• Set-up file for processing

• Sorted mail

• Answered phone

• Sent copies of appraisal’s to customers after closing

• Did correspondence for the loan officers

• Order all supplies for office

• Maintained all office equipment

• Audited file for accuracy, signatures, and for compliance

• Used UPS, DHL or other carrier service to send closed file to investor

• Did all post closing, maintained spreadsheet to monitor documents

• Ordered and received all trailing documents.

2000-2002

Southtrust Bank

Loan officer Assistant

• Accepted and reviewed completed loan packages

• Corresponded with clients, customers, realtors, builders

• Reviewed all closed loan documents for accuracy

• Issued official check, updated customers account, did wire transfer’s

• Made copies of all closed loan packages

• Sent file to the closed loan department for booking

• Maintained excel spreadsheet for all closings

Education:

Undergraduate

Business Computer Programming

Gaston College

Dallas, NC

Contact this candidate