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Customer Service Real Estate

Location:
Charlotte, North Carolina, United States
Posted:
August 30, 2017

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Professional Profile

Highly accomplished and seasoned professional attuned to the ever-changing needs of the financial industry with over 15 year of experience in, Mortgage Lending, Customer Service, Credit/Collections, Staffing/Recruiting and provide Project Coordination Support.

Areas of Expertise

Mortgage Lending Process

Coordinating Underwriting process

Customer Relations Management

Quality/Process/Audit Improvement

Organizational and Planning Skills

Effective Verbal and Written Communication

Regulatory Compliance

Data Research

Professional Experience

Quicken Loans, Inc., Charlotte, NC March 2013-April 2017

Underwriter

Reviewed loan application packages using verified date from the submission package. Maintained current knowledge of all loan products and origination requirements.

Evaluated and calculated borrowers income relative to financial obligations and the adequacy of credit reports for qualification purpose

Evaluated assets when needed, the secured properties, loan terms, LTV, and ratios making sure they met guidelines

Ran files through AUS (LP, DU) when applicable

Reviewed and clear conditions related to documents needed for closing

Issued loan approval or suspended loans based on company guideline

Maintained monthly loan goal of 70 or more

Bank of America, Charlotte, NC June 2012- January 2013

Home Services Specialist II (Sr. Mortgage Loan Processor)

Reviewed/Examined initial applications conventional and government home loans for accuracy and compliance

Jr. Underwriter with credit signing authority, responsible for clearing conditions and issuing changes to the terms on previously approved loans.

Prepared commitment letters, denial letters, and cancel files when necessary

Prepared file for closing and review for accuracy on the HUD1 statement

Ordered title commitments, appraisals, surveys, insurances, and MI certificates

Processed all ordered appraisals, title commitments, insurance, wiring instructions with sign-off authority on most conditions

Provided proactive communication with customers, loan officers, banking center associates, etc.

Coordinated loan closings with borrowers, Realtors, Loan Officers and title companies

Verified HUD-1 settlement statements for completeness and accuracy

Maintained monthly pipeline of 50+ loans

Wells Fargo, Charlotte, NC September 2010-February 2011 (contract)

Loan Doc Specialist IV

Prepared and analyzed settlement statements to confirm information is accurate.

Daily contact with agents and title companies to answer any related questions to the loan processing or follow up before closing. Review title commitments and input all fees to balance HUD1s accurately.

Closed conventional & VA loans

Re-disclosed on any missing, incomplete, or incorrect forms to the closing agents or brokers.

HMBI (Harrington, Moran & Barksdale, Inc.), Charlotte, NC October 2004 - February 2009

REO Closing Specialist/ Junior Underwriter

Experienced with VA and FHA guidelines and loan process

Counseled future homeowners of the process and credit needed to obtain a home loan, and also worked close with real estate and lenders to approve loans for homeowners

Ability to multitask workload in a fast-pace environment.

Provided informational support and mentoring to processors and closers concerning program guidelines and procedures.

Reviewed and analyzed individual consumer requests and products within company and industry guidelines

Extensive knowledge and experience with ARMs, Fixed Rate,

Processed Refinance, Purchases, and Inter-Family Transfers.

Received Conditional Loan Approvals with conditions and met all requirements for both Stated and Full Documentation Applications.

Daily contact with Agents and Title Companies answering all questions related to loans currently in progress and informing Agents of any follow-up requirements

Opened Escrow, ordered Title Reports, Payoff Demand Statements, and Estimated HUD form

Educational Background

DeVry Institute of Technology, Atlanta, Georgia

Bachelor of Science Degree, 1991

Major in Business Administration

Central Piedmont Community College, Charlotte, NC

Certificate in Underwriting, 2006

PIEDMONT TECHNICAL COLLEGE, Greenwood, SC

Funeral Services Program, 2014

Software Computer

Adobe Acrobat Pro Microsoft Office Suites AUS EDGE Clues CRM SAMS 10-key PC



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