Real Estate Insurance
Resume:
Tiara M. Lord
*********@*****.***
Bogart, Georgia 30677
http://www.linkedin.com/pub/tiara-mccart-lord/14/766/b92
EDUCATION
University of Georgia Continuing Education
Diploma, Residential Real Estate Financing January 2009
Certificate, Personal Financial Planning October 2008
BVS Continuing Education
Course Completion, Principles of Consumer Lending March 2008
Course Completion, Financial Planning Basics January 2009
Course Completion, Home Equity Lines February 2009
Athens Area Association of Realtors August 2007
Real Estate Sales Person Pre-Licensing
75 Hour Course Completion: 82/100
Athens Technical College
Associate Degree, Marketing Management
Cumulative GPA: 3.25
2 Courses Remaining
Wells Fargo Home Mortgage 10/11 – 03/12
Mortgage Loan Packager
• Documentation review of conventional, FHA
and VA mortgage loans.
• Assuring the branch is in compliance under
ECOA/Regulation B which entails a formal
acceptance or denial presented to the applicant
within 20 days of application.
• Correspondence with loan officers and
mortgage processors regarding file status,
missing documentation, credit analysis and 07/11 – 09/11
income review to ensure files have all required
documentation for processing.
• Approximately 50 – 70 files reviewed per
month.
Cornerstone Home Lending
Mortgage Loan Processor
• Processing conventional, FHA, VA and 203k files.
Approximately 10 – 15 closings per month.
• Direct communication with loan officers,
underwriters, customers, closing attorneys and
insurance and real estate agents.
• Familiar with Loansoft software.
03/10 – 07/11
First American Bank and Trust
Mortgage Loan Processor
• Processing conventional FNMA loan.
Approximately 10 – 15 closings per month.
• Direct communication with loan officers,
underwriters, customers, closing attorneys and
insurance and real estate agents.
• 03/09- 09/09
Preparation of Preliminary HUDS, composing of and
sending closing packages.
• Familiar with Wolters Kluwer. (Brokerdocs)
• Familiar with Franklin American, USBank, SunTrust
and MSI overlays.
• Familiar with Calyx Point.
Georgia Federal Credit Union
Second Mortgage Processor
(Promotion)
• Processing of subordinating second mortgages. Processing of stand-alone second mortgages.
• Approximately 15-20 loans closing monthly.
• Regular interaction with Brokers, mortgage processors, appraisers, underwriters and applicants.
• Reviewing 1008/1003 docs, 1st mortgage approval letters, 1st lender conditions.
• Reviewing appraisals, comps and values.
• Reviewing 2nd mortgage underwriter’s conditions, requesting needed income, reviewing tax/W2
information and analysis of tax returns.
Georgia Federal Credit Union 03/08- 03/09
Financial Services Officer
• Involvement in new accounts, CDs, and money market openings. Assisting members and providing service to
member accounts such as updates of information, fraudulent transaction requests, and new card orders.
• Perform monthly audits of traveler’s checks, money orders, and petty cash account.
• Processing of personal, auto, and mortgage loans as well as Visa products. Position involves loan processing
ratio calculations, credit report evaluation and analysis. Successful origination, processing and closing of
approximately $30,000 to $80,000 monthly.
• Completed closing procedures including the sell of Credit Life and Disability Insurance as well as extended
warranty and GAP insurance products. State of Georgia Credit Life Insurance License Number 73504.
Seger Realty 07/04- 03/08
Foreclosure Analyst
• Property deed research. Working directly with pre-marketers to determine the accurate property and/or
issues which may need to be addressed to the foreclosure attorney.
• Data entry and completion of Monthly Marketing and Comparable Market Analysis reports for Countrywide,
Coldwell Banker REO, Indy Mac REO & Fidelity National. Approximately 115 reports submitted monthly.
• Acquainted and high proficiency with Navica, FMLS, GA MLS as well as RES.NET, & reotrans.com.
• Contract negotiation between corporate sellers and Realtors. Responsibility and involvement in
approximately 400 closings annually.
• Relocation assistance of foreclosed property owners which is established to avoid legal eviction costs for
asset management companies and their representatives (corporate sellers). Successful completion of 90% of all
negotiations under my portfolio.
REFERENCES
• Jackie Quig, General Manager
Seger Realty
• Dirk Mastin, Senior Mortgage Banker
Cornerstone Home Lending
• Jenny G. Terrell, Mortgage Loan Officer
First American Bank & Trust
• Chris Nichols, Real Estate Closing Attorney
Chris Nichols, PC
• Carol LeVar, Mortgage Sales Associates
Wells Fargo Home Mortgage
• Scott Beaver, Insurance Agent
Allstate, The Beaver Agency
Contact this candidate