DEMETRICE THORNE

Forest Park, Ga. ***** C: 804-***-**** ac4dly@r.postjobfree.com

20+ years of experience in Financial Servicing, Banking, Real Estate Servicing 25+ years as Customer Service Specialist. Highly ambitious Mortgage Professional with background in Sales, Securities, Loan Closing, Loan Processing, Underwriting, Loan Auditing, Post Closing/Pre Closing, Work with Conforming/Nonconforming loans.

Microsoft Office Suites

Laser Tech, PEGA

Web Xtender, Data Track

Lotus notes, Encompass

Merlin System, STMP

DU/LP, LPS, AUS, Beta

Oracle, Calyx, Non ACAT

Soft Pro, MLCS, LPS

ACAPS/Compass, Vision, Empower

FICS and Miser, ACAT

Mortgage Pro, Wisdom

Team liaison

Strong verbal communication

4506T

GFE,TIL,RESPA

TRID

Conforming/Nonconforming

FHA/VA,USDA

1008/1003

Self-motivated

Conflict resolution

Extremely organized

Post Closer/Loan Processor Reviewer, 11/2016 to 07/2017 Citizens Bank Contract – Glen Allen, VA.

Reviewed 70-80 files a week of closed conventional loans, portfolio loan products totaling over 5 million, to ensure that loans are sell-able on the secondary market Cleared all outstanding conditions

Audit loan files to insure all documentation is completed and accurate with Compliance Provided written and verbal correspondence to settlement agents, title companies and internal operations colleagues to obtain corrected or outstanding closing documents Securities OPS Services Spec./Mutual Fund Networking, 07/2014 to 11/2016 Wells Fargo Advisers / Contractor – Glen Allen, VA. Processed Journal, Mutual Fund transaction and NET4 QC. Worked on networking research projects and project development Reviewed and analyzed mutual fund account and reports Worked with field assistance to get transaction completed accurately Input all information on a spreadsheet reporting

Underwriting Workflow QMP Coordinator, 07/2013 to 07/2014 SunTrust Mortgage / Contractor – Glen Allen, VA

PROFESSIONAL SUMMARY

SKILLS

WORK HISTORY

Managed underwriting workflow for one or more sites, utilizing automated and manual processes systems Managed workflow holistically to maximize efficiency and capacity Monitors, collects and analyzes data to identify and recommend opportunities for process and quality improvement

Documents issues and associated risk and compliance issues for management review Initiates improvements, conducts assessments and analyzes changes Contributes to the development of performance indicators for both internal and external clients Sr. Loan Processor, 04/2013 to 07/2013

Equity Loans LLC – GA.

Proficiency with DU/LP/DO and GFE/TIL

Work with Conv, FHA, VA, USDA and ARM loans

Calculates and analyzes income structure, assets, liabilities etc. Reviewed income, asset and liability documentation, credit report Reviewed and analyzed preliminary instructions, Title, Appraisal HUD report Processed for 15-20 loan originator

Asst. Underwriter, Contractor, 03/2012 to 02/2013

Crescent Mortgage Co – GA.

Assist Underwriters in reviewing 10-20 loan file a day and clearing conditions View client credit file, title, appraisal, income

Audit loan files for accuracy, ensure file marketability Performed audits on all loan file, to ensure loan is error free Pulled QC reports, to clear all errors on loan files Loan Processor, 09/2011 to 03/2012

Amerisave Mortgage Co – GA.

Proficiency with DU/LPS and GFE/TIL.

Responsible for a pipeline of up to 40 loans per month Calculates and analyzed income structure, assets, liabilities etc. Reviewed income, asset and liability documentation, credit report Reviewed and analyzed preliminary instructions, Title and HUD report PSR 2, 10/2008 to 11/2010

Wells Fargo Bank, Wachovia – VA

Accessed customer needs

Professionally dissolved account conflicts with customers Utilized professional etiquette while resolving complex issues Trained colleagues in sales

Cross sold products

Loan Coordinator, Contractor, 02/2008 to 06/2008

Virginia Credit Union – VA.

Distributed incoming loan applications

Accurately entered loans and appraisals into Databases Processed various loans types FHA, VA, ARM

Verified Client information

Account Manager/Onsite Rep, 05/2006 to 04/2007

Land America, Lawyers Title Inc – VA.

Managed multiple accounts with superior accuracy

Conducted marketing meetings

Ensured accurate appraisals

Participated and actively contributed to performance meetings Successfully assisted Loan Officers one on one

Associate Underwriter/Processor,, 04/2007 to 09/2007 Bank of America Contractor – Richmond/Atlanta, VA./GA Processed loan applications for various loan types (ARM, Conv, FHA) Verified and calculated customer income

Resolved appraisal disputes

Reviewed GFE/TIL for accuracy

Successfully executed closings

Wholesale Loan Reviewer/Closing Coordinator,, 04/2005 to 12/2005 SunTrust Bank Contractor – Richmond, VA.

Reviewed and verified loans for marketability and audit for accuracy Worked with refinance and purchase loans

FHA VA Conventional 3/1Arms 5/1Arms

Managed and scheduled approx

400 incoming wholesale loans monthly

Prepared necessary documentation for closing attorney Assisted underwriters with closing process

Representative/Closing & Title Specialist ATL, 07/2003 to 02/2005 Best Asset Citi West HUD – Atlanta, GA.

Researched and resolved title discrepancies

Maintained portfolio of 400+ single family properties Reviewed HUD foreclosures

Examined settlement documentation

Secured governmental clearance

Assisted closing attorneys in loan closing process 1989

High School graduate Meadowbrook High School - Richmond, VA. Certified Professional Bankers GBA Atlanta, GA.: 2001 BA: Accounting Online, 2010

Walden University -

BA: Business Management, 2012

University of Phoenix - Atlanta, Ga.

Professional references are readily available upon your request EDUCATION

ADDITIONAL INFORMATION

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