Carolee

Hoyland

**** **** ***, *******, ** *****

970-***-****

ac2gh6@r.postjobfree.com

Qualified business professional with management, financial analysis, administrative, underwriting and processing skills. Experience with a variety of business and consumer processes and a successful business owner.

Skills

Communication

Time Management

Data Analysis

Conflict Resolution

Adaptability

Leadership

Experience

FEB 2016 – SEPT 2017

Mortgage Loan Processor / Caliber Home Loans

Managed a high volume multi-state loan pipeline, dealt with diverse types of people in and out of the office every day. Has specific time lines to maintain every day.

Perform a thorough review and analysis of borrower’s credit, employment, income and assets as required by particular loan programs.

Ordered and reviewed all purchase contracts, appraisals, inspections, documentation and property reports for accuracy and to ensure full execution by all parties to the transaction.

Ordered, reviewed and approved title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting conditions for required standard compliance.

Managed key project dates, lock expiration, contingency date, contract date, credit doc expiration, ECOA, MDIA and other compliance related dates.

Responsible scheduling weekly meetings with sales team, monthly projections and forecast reports to processing and sales managers and division managers.

Coordinated closings with customers, title companies and closing department.

Experience with DU, DO and LP systems.

JAN 2012 – JAN 2016

Loan Specialist – Administrative Assistant / FMS Bank

Prepare loan documentation for new, renewed and change in terms loans, which may have a complex loan structure or collateral requirements, ensuring that all prepared loan documents are in compliance with credit approval documents, guidelines, and federal/ government regulations.

Analyze and process the credit approval documentation and supplement vendor information to determine borrower, collateral and guarantor requirements are met.

Work closely with senior management, lenders, and customers to ensure company policies, programs and federal guidelines are in compliance.

Order and review title commitments, appraisals reports, purchase contracts, construction contracts/bids, collateral titles, and insurance.

Responsible for all construction loans and facilitated all draw, upgrades and final costs.

Work closely with builders and third party vendors during construction phase through permanent financing.

Administrative assistant duties for SBA, officers and loan originators which also included bank manager and VP’s.

Work closely with builders and third party vendors during construction phase through permanent financing.

Administrative assistant duties for SBA, officers and loan originators which also included bank manager and VP’s.

JUL 2005 – DEC 2011

Conventional Underwriter, Home Services Specialist & Closer / Bank of America (a.k.a. Countrywide Home Loans)

Processed mortgage loans in regional operations center.

Underwrite, process and close residential mortgage loans ensuring compliance and sound reasoning throughout every phase of the loan process within appropriate company standards.

Through knowledge of Conventional, Home Equity, FHA, VA, Rural Development, HARP, MHA and Bond loan guidelines.

Review, analyze and make final determination of loan submissions within my underwriting delegation.

Grant or obtain underwriting approval of loan submissions.

Sound and punctual analysis of loan file for accuracy and completeness.

Timely reviews of conditions and re-submissions.

Ensure that disclosures and forms are filled out and completed within compliance standards.

Coordinate, generate and prepare figures to send to the title company for closing.

Review HUD's for accuracy and ensuring that minimum investments are met.

Secure clear title and appraisals for all types of first and second mortgages.

Send and follow up on verifications to employers, depository firms, creditors.

Track conditions, title work, surveys and appraisals.

Strong organization, planning and prioritization skills.

OCT 2002 – JUL 2005

Branch Administrative Assistance / Equitable Savings & Loan Association

Administrative assistant to the Vice President and Appraiser.

Responsible for operations and management of Greeley office.

Mortgage loan processing, document preparation, closing and loan booking.

Payment posting, escrow analysis, tax payment and annual insurance payments.

Monthly, Quarterly and Year End financials and board report preparation.

Daily monitoring and balancing of GL's, accruals, expense and budget data entry.

Assisted with marketing development and implementation of advertising

MAY 2001 – OCT 2002

Business Owner – Retail Packaging & Shipping Store / CJ Shipping Solutions

UPS, FedEx, USPS, International and custom freight shipping services offered.

Personnel, payroll, accounts receivable/ payable and bookkeeping.

Sales, customer service, advertising, purchasing and accounting.

Trouble shooting, package tracking & claim resolution.

Compliance and quality assurance with USPS, UPS, FedEx and freight regulations and standards.

SEP 1987 – MAY 2001

Senior Member Rep Supervisor (Asst. Manager) / Colorado State Employees Credit Union n.k.a. Credit Union of Colorado.

Performed administrative duties for Manager and Senior Management.

Assume all responsibilities of Manager in her absence.

Supervision, motivation, training and team building for 16+ employees.

Responsible for interviewing, hiring, termination and performance reviews in Greeley and Fort Collins branches.

Responsible for decisions on daily NSF's, collections of delinquent accounts, account closures and charge offs.

Responsible for daily balancing of tellers, general ledgers and branch.

Responsible for general ledger, wire transfers, debit & credit card controls, accruals, expense and staying with in allotted budget.

Responsible for ordering all supplies, fed cash order for branch and ATM.

Process, approval and close all types of consumer loan requests.

Backup any position as needed.

Education

University of Northern Colorado, Greeley CO

Business Courses.

Greeley West High School, Greeley CO

Activities

Senior Resources Volunteer

Feed the Homeless of Weld County Volunteer

Reference

Upon request

Contact this candidate