Qualifications Profile
Highly professional and goal oriented individual, pursuing a position in an organizaion, offering new challenges and mutual commitment toward success, helping others, and profitability. Strong leadership and teamwork capabilities, as well as effective communication skills and project management abilities obtained. A fast learner with a strong ability of multitasking and organization.
Skills/Software & Systems
Customer Service MRI/Yardi QuickBooks Collections
Sales AS400 Microsoft Office Products Underwriting
Accounting Encompass Data-Entry/10-Key Banking
Education
Tarrant County College, Arlington, TX
Degree – Associates of Arts in Business
Midwestern State University, Wichita Falls, TX
Major of Study – Psychology
Professional Experience
WestStar Mortgage/Goldwater Bank - Irving, TX
March 2016 – Present
Remote Compliance Specialist (Pre-Funding Quality Control)
Review borrower's financial, employment, income, credit risk analysis, source of funds and all needed information to support loan terms for purchase or refinance
Validate and ensure accuracy of AUS (DU/LP) or GUS and calculate LTV, DTI, PMI, HOI and Flood insurance when applicable
Review quality of loans certifying all information is accurate and in accordance with Fannie Mae, Freddie Mac, and federal and state mortgage lending regulations
Ensure that all required items are provided, validated/verified, and meet the program guidelines of FHA, Conventional, VA, and USDA
Verify accuracy of title commitment, appraisal, purchase agreement, tax transcripts, fraud guard, transmittals, and loan disclosures
Verify regulated documents are sent out per TRID guidelines
Provide management a summary of findings and make recommendations for improvements to prevent recurrence of compliance errors
Meet production deadlines, while producing efficient loan results that identify potential risk and negative impact on the bank while maintaining a high level of production
Adhere to all applicable compliance regulations and provide direction to Loan Processor, Loan Originator, and/or Underwriter for fixing discrepancies as needed
HeatTrak - Atlanta, GA
April 2014 – February 2016
Customer Service - Sales Specialist
Receive and process orders from online platforms, email, fax, and phone
Generate quotes based on customer requirements, process order, and freight costs
Accurately process customer orders, verifying that payments and appropriate discounts are applied
Resolve customer issues in a timely manner and processed warranty replacements and defective products
Maintain credit card receipts and reconcile with invoices; Process refunds, contact clients and vendors for accounts receivables and enter data and sell sheets into QuickBooks production system
Organize, maintain, and locate files and documents relating to customers, contracts, vendors, and purchasing with periodic accounts receivable and accounts payable duties
Ace Cash Express- Atlanta, GA
February 2011 – February 2014
Loan Processor (Call Center) – Center Manager (In-Store)
Receive 100+ calls from prospect customers to process title, payday, and installment loans
Verify income, employment, collateral and assets for each customer
In-store: Cash checks and scan into system, complete deposit each shift and count safe
Review accounts to prevent and detect fraud; Investigate potential fraud and suspicious information
Review escalated calls from floor employees regarding customer accounts and unresolved issues
Ensures compliance with established in-house procedures by examining records, reports, operating practices, and documentation
First Convenience Bank – Wichita Falls, TX
June 2007 – December 2010
Teller - Branch Supervisor
Supervise a team of 12 employees and express motivational and leadership skills to help exceed daily goals
Train new employees and discussed policies, procedures and other regulations of the work place
Obtain and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information. Advised borrowers on financial status and methods of payments
Handle customer complaints and took appropriate actions to resolve them
Achieve personal daily and monthly goals each month in a fast-paced environment
Conduct daily, weekly, and monthly sales and operation reports
Conduct surprise audits on bank tellers, following bank and federal procedures
Cash checks, make large commercial deposits, atm servicing and process CD applications
Develop new customers by opening checking, savings, and IRA accounts while maintaining and upselling to existing clients; set appointments to assist current customers with banking products and services
Order and receive cash orders
Process deposits, loan payments, issue money order and cashier checks
Minimize fraud and credit risks by verifying endorsements and check authorizations
Scan batch slips, deposit slips, and checks to corporate office and manually enter information due to illegible MICR lines and data on checks