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Microsoft Office Mortgage

Location:
Columbia, South Carolina, United States
Salary:
Open
Posted:
May 28, 2018

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Resume:

Stephanie Amaker

** ****** **** ***** * Columbia, SC, 29223 * 803-***-****

ac5m77@r.postjobfree.com

SUMMARY

A financial services professional with 20+ years’ experience in Mortgage Loan Administration, Loss Mitigation and Default Loan Servicing. Knowledge of mortgage banking standards, investor guidelines and secondary marketing practices with strong oral and written communication skills that leads for results. Proven management leadership and team building skills including ability to work effectively with diverse groups to meet organizational objectives.

SOFTWARE EXPERIENCE

Encompass Automatic Underwriting System LP Desktop Microsoft Office

Power Point Presentation Microsoft- Outlook Window XP Word Processing

Internet Explorer Spreadsheet CPI/Fidelity/ MSP LIV/ LM Workouts Excel

PROFESSIONAL EXPERIENCE

ACADEMY MORTGAGE, Columbia, SC

8/2017 – 12/2017

Mortgage Loan Processor

Responsible for working closely loan officers, borrowers, underwriters and closers gathering necessary documentation for final loan mortgage approval.

Responsible for processing conventional, FHA, VA, SC Housing and USDA loans.

Maintaining a loan pipeline of 20 to 25 loans with 95% of the pipeline closing within 30 days of application date.

Verify and updated all elements of a 1003, credit report, title binder, tax certs, AUS and mortgage Insurance in encompass.

Review AUS conditions obtained and matches conditions to findings.

Order and retrieve 3rd party services and review mortgage relevant documents.

Submits complete file to Underwriter for review and final underwriting approval.

Clear all prior-to-closing and prior-to-funding conditions.

FIRST CITIZENS BANK - Columbia, SC

7/2015 – 1/2017

Mortgage Loan Processor

Responsible for processing mortgage applications in accordance to First Citizens, FNMA, FHLMC, VA, FHA and USDA guidelines for accuracy. Ensure compliance with federal regulations and established policies and procedures.

Consistently maintain a pipeline of 25 to 30 files for processing with a pull through of 90% for closings.

Maintain an acceptable quality assurance rating for loans processed and submitted to the closing department.

Served on experienced team of the department with responsibility for processing complex financial transactions, portfolio and non-conforming products.

Proficiency with numerous LOS and AUS systems to include Encompass, Desktop Underwriter, Guaranteed Underwriting System and Loan Prospector Advisor.

Work as liaison between mortgage originator and borrowers to facilitate processing functions to include obtaining necessary documentation, validation of information received, analysis of credit reports and detection of potential red flags that may compromise quality standards or affect salability.

WELLS FARGO HOME MORTGAGE – Columbia, SC

9/2010 – 6/2015

Loan Servicing Specialist 3

Coordinated solutions for moderate to complex loan servicing issues and offered Loss Mitigation remedies in accordance to company and regulatory guidelines.

Field questions from borrowers as it pertains to areas of loan servicing to include payment research, escrow payments and lien perfection.

Verify accuracy of modification documents by utilizing loan evaluation tools in accordance to program guidelines.

Offered loss mitigation options to borrowers based on analysis of information received.

Perform monthly audit analysis of loans approved for loss mitigation options to ensure they remain in compliance with company and/or investor guidelines.

Consistently maintained a resolution average of 20 loans per month.

WELLS FARGO HOME MORTGAGE (fka Wachovia Mtg.) – Columbia, SC

5/2001 – 9/2010

Mortgage Credit Analyst

Submitted conforming loans to automated underwriting systems (DU and LP) for validation.

Reviewed documents obtained from borrowers for accuracy to ascertain whether they meet company qualification standards.

Coordinate submission of loan files to underwriters for loan approval and closing department for loan closings.

Consistently met departmental goals for timely submissions and quality standards.

EDUCATION AND PROFESSIONAL DEVELOPMENT

MBA – Business Administration Webster University, St. Louis, MO

MA - Human Resources Webster University, St. Louis, MO

BS - Business Administration with the concertation in Management at Limestone College, Gaffney, SC

Member of American Marketing and Management Associations

References Available Upon Request



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