Administrative Assistant / Loan Processor

Jennifer Rice

770-***-**** **** Snow Hill Drive, Lawrenceville GA 30045 *********@*******.***

PROFILE

Dependable, experienced Administrative/Mortgage professional with excellent attention to detail. Deadline driven self-starter with flexibility to work alone or as part of a team. Effectively communicates in a clear, concise manner with clients, managers and executives.

COMPETENCIES

Mortgage Underwriting

Mortgage Processing

Process/Procedure Standardization

Customer/Client Service Management

QC and Audit of Closed Loan Files

Technical writing

Project Management

Detail Oriented

Works efficiently under pressure

PROFESSIONAL EXPERIENCE

Magnolia Bank – Roswell

May 2017 – September 2017

Mortgage Loan Processor/Administrative Assistant

Receive loan packages from Loan Officers and check for completeness and accuracy

Check Lock and issue CIC/LE to reflect lock/discount, etc.

Re-Run DU and ensure all necessary documentation is present and submit to Underwriting

Order Appraisal, Title, Payoff, FHA Case #’s, CAIVRS, COE, LDP/GSA, etc.

Verify Employment, VOR, VOD, etc., request Insurance Declarations page with corrected mortgagee and dwelling amount

Inform Loan Officer when file is out of underwriting and go over conditions

Work with LO and Borrowers to collect and clear stips

Order Credit Supplements/Updates as needed

Perform Verbal Verification of Employment prior to closing

Send file back to Underwriting for Clear to Close and request CD

Pull reports each day and complete all withdrawals and declines per Compliance Regulations

Guard Dogs Mortgage Field Services, LLC

April 2008 – April 2017

Department Manager

Schedule field work for bank owned properties, including maintenance, repairs and inspections

Responsible for multiple clients and confirming that services align with contract requirements

Manage field teams to ensure work is completed within required timelines and to appropriate standards

Resolve issues encountered on job sites

Manage work orders for all jobs in multiple states

Manage bid process for work orders to ensure properties are secure and free from safety hazards

Manage data entry and processing team to ensure work orders and invoices are completed in a timely manner

Manage private client accounts including invoice processing and payment

Payroll processing, researching past due invoices, correcting issues with re-opened work orders

Bay Rock Mortgage Corporation

February 2002 – June 2007

Special Projects/Correspondent Lending Support

Set up loan programs, including testing and implementation of proprietary Automated Underwriting system and Broker Portal in conjunction with outside software provider and correspondent lender’s IT department

Communicate between vendors for all software packages to ensure proper interfacing

Work with lenders to create, structure and support standard procedures/underwriting guidelines for correspondent loans

Support end-users for underwriting, back-end (closing) and servicing software packages

Create and implement procedures regarding data flow and storage to support each department

Write User’s Manual for proprietary software program (Technical Writing)/Train employees on software system

Underwriter

Analyze and generate underwriting decisions for loan requests across multiple programs including Sub-Prime, Alt-A and Conventional

Perform income analysis including self-employed and other supplementary income or business income sources

Review appraisal report to ensure investor guidelines are met, and value is supported and details are accurate

Compliance with government laws and regulations pertaining to mortgage lending

Price loans based on credit grade and score

Communicate underwriting decision and explain reasons for conditions

Clearing of conditions in a timely manner

Review file for data integrity to certify accuracy primarily via manual underwriting

Review the underwriting conditions and re-run the automated underwriting, if applicable

Issuing Clear To Close on files upon satisfaction of all stipulations and due diligence

QC/Audit closed loans for bulk sales

Wholesale Loan Processor

Gather documents for loan applications and submit to underwriting for review and approval

Work closely with underwriting and closing daily to get loan packages completed and closed

Extensive contact with on-site Account Executives and off-site Brokers

Possess thorough knowledge of underwriting guidelines/pricing

Verify borrower information such as employment, mortgage/rental history, verification of income and assets

Collect and submit appropriate documentation to clear stipulations with underwriting in a timely manner

Validate/review all documents for accuracy and update loans in Calyx Point, Loan Manager, Mortgage Builder software, DU and LP as required

Assistant to VP, Secondary Marketing

Assist Loan Processor with clearing stipulations

Extensive telephone contact with outside Brokers and Correspondent Lenders

Worked closely with Underwriters, Closers, Processors and Account Executives

Completion of administrative duties

Manage executive schedule

Tel-Tech Services, Inc.

November 2000 – January 2002

Office Manager/Executive Administrative Assistant

Executive Assistant to both President and Vice President

Manage accounts receivable

Accountable for excellent customer service; including scheduling and dispatch of technicians

Responsible for all correspondence, customer invoicing and record keeping for both customers and vendors/affiliates

Order equipment

Manage out-of-state sub-contractors

Ensure on time completion of projects and client satisfaction

Create all sales and marketing materials

Prepare contracts and proposals

Infocure /Orthotrac (PracticeWorks)

August 1991 – August 2000

Executive Administrative Assistant

Technical Writer - Imaging Department

Training Coordinator/Assistant to VP of Imaging Department

Software Upgrade Distribution Technician

Customer Software Support Representative

Front Desk Manager

Receptionist

NMLS # 1637054

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