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Customer Service Quality Control

Location:
Marietta, Georgia, United States
Salary:
55000.00
Posted:
November 29, 2017

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Raezinn Williams

**** ********* **** # *** ******, GA. 30097

ac3i7s@r.postjobfree.com

(678) ***-****

Summary

I have several years of mortgage operations experience including work as an underwriter, loan processor and quality control auditor. I’ve worked on the wholesale, new construction and secondary markets to ensure I consistently met and exceeded production goals of the team by staying current with market trends, industry standards and investor guidelines..

SKILLS

Lending, loan, escrow, Fannie Mae, FHA, loan processing, subprime loans mortgage underwriter, secondary market liaison, contract reviews, loan approvals, credit reviews, customer service, Calyx Point, SoftPro, Word, Excel, Microsoft office, Network Support, Paralegal, Ellie Mae, Encompass 360.

EXPERIENCE

Equity Prime Mortgage Sept. 2016 – May 2017

Post Closer- Audit

Reviewed credit reports, income and tax return documents enabling sound loan decisions be made completed.

Managed assigned loan pipeline, met deadlines and ensured submissions were accurate.

Reviewed title and appraisals, assisted senior underwriters within the requested service level agreements.

Determined the degree of risk and followed investor criteria when making solid loan decisions.

Authorized to clear credit, income and asset conditions in a manual underwriting environment.

Adhered to Fannie Mae and Freddie Mac guidelines using LP and DU.

Drafted explanations for denial, counter offers, exceptions and approved loan decisions.

Assisted with training and coaching as needed.

Demonstrated leadership qualities as a resource to others on questions related to teambuilding.

Provided feedback with other departments and management as needed.

Ensured all loans met TRID, HMDA, RESPA and REG Z and passed fraud requirements.

Synovus, Alpharetta, GA

Nov. 2015 to Sept. 2016

Lien Perfection Specialist II

Analyzed loan or line to determine the proper documentation necessary to secure the collateral.

Reviewed loan documents to assist with recording process and ensure all documentation exceptions are appropriately resolved.

Ensure timely lien filing for various types of collateral; including real estate, title records and UCCs.

Communicate with county and state recorder offices to discuss lien process and requirements.

Communicate with third party vendors and loan officers to resolve document exception items.

Recommend collateral corrections before recording to minimize risk and controllable loss.

Ensured that contracts; and collateral used to secure loans or lines were recorded exactly in appropriate county.

Prepared, proofread, and calculated property taxes, fees required for recording security deeds, loan modifications.

Examined title chains, estoppel letters, affidavits, riders assignments, leases update of ownership and perfect liens for counties associated with recording.

Implement the highest level of quality and proficiency in all levels of service and consumer lending products.

Wells Fargo Mortgage, Atlanta, GA

Dec. 2012 to Oct. 2015

Sr. Loan Document Specialist /Junior Underwriter

To support entire retail mortgage team with the loan process.

Reviewed and gathered pertinent documents to assemble complete mortgage loan.

Calculate income and quantify ratios per product description.

Review title reports, policies, and appraisals according to established guidelines.

Ensure file integrity prior to underwriting and closing.

Clear all processing conditions to minimize risk prior to closing.

Recommend loans for denial or approval; apply restructure options.

Prioritize daily work flow to ensure timely loan processing.

Review appraisals, Title, Home owners Insurance.

Ensured compliance with Federal, State regulatory and company guidelines.

The Stonehill Group, Atlanta, GA

March 2011 to Oct. 2012

Quality Control/Post-Closing Auditor

Review Conventional closed files for data integrity reviews for secondary market repurchase.

Close review of established Q & A to make determinations if sufficient information is received.

Ensure accurate quality control reviews are produced; evaluate files in a timely manner.

Utilize specialized guidelines, training and source documents to adhere to needs of the client.

Comprehensively perform reviews, assemble and audit mortgage documents electronically.

Document findings and exceptions as needed; perform data entry for quality control.

Adhere to policy changes,lend flexibility and assist with all duties as assigned.

Amerisave Mortgage, Atlanta, GA

Jan. 2010 to Jan. 2011

Loan Processor/ Quality Control

Coordinated and organized a loan pipeline of 100 files in a Paperless environment.

Processed and Closed FHA / VA and Conventional files.

Obtained and reviewed credit reports, assets, statements, and good faith estimates.

Ordered title, lien payoffs, subordination agreements, flood certificates and appraisals.

Submit 4506T document, reviewed tax returns, transcript and schedules for qualification.

Communicated with vendors, loan officers, attorneys for loan status and continuity.

Maintained knowledge of federal, local and state policies and guidelines.

Organized pipeline files to ensure proper submission to Underwriting.

Cleared and satisfied all outstanding conditions prior to approval.

Consult with customer's to ensure proper handling, client retention, referrals.

Wells Fargo Mortgage, Alpharetta, GA

Jan. 2008 to Jan. 2010

Mortgage Loan Processor/ Closer

Prioritized customer service to ensure timely processing and closings of 50 mortgage files per month.

Reviewed, and approved necessary asset and income documentation.

Facilitated closing and disbursement for conventional, FHA and VA mortgage loans.

Gathered closing figures, input closing information and generated loan documentation.

Coordinated with buyers, sellers, title companies, attorneys and real estate agents to complete closing dates.

Prepared final closing document and final numbers for closing.

Cleared all outstanding closing conditions to coordinate underwriter approval and schedule closing dates.

Resolved any conflicts to maintain compliance with FHA, Conventional loans and followed lender guidelines.

Wells Fargo Home Mortgage, Minneapolis, MN

Mar. 2001 to Mar. 2006

Mortgage Telesales Consultant

Originated Conventional, FHA, and VA loans in an incoming call center environment.

Successfully closed $8MM monthly in sales revenue.

Counseled borrower on applicable mortgage products, rates, and terms.

Cross sold relatable bank products a s needed.

Reviewed all financial statements, real estate owned, insurance, and tax documents.

Calculated debt to income ratios and submitted appropriate files for approvals.

Performed debt consolidation and savings computations using amortization software.

Provided rate quotes, structured tangible loans, disclosures to ensure compliance and quality service.

Pursued relationships with Realtors, Brokers, Title Agents, and Attorneys.

Implemented quality control procedures and policy standards to reduce loan decision risk factors

EDUCATION

University of Georgia (Paralegal Certificate) GPA: 3.0

Lawrenceville, GA

Minnesota School of Business (Network Support Specialist) GPA: 3.0

Richfield, MN

Inver Hills Community College (A.S Contemporary Business) GPA:3.0

Inver Grove Heights, MN



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