Customer Service Loan

Taneesha Jones

**** ******* ******, ************, ** 19150

Cell: 267-***-****

************@*****.***

Objective

To acquire a challenging and rewarding position where my achievements, experience, and strong capabilities will be utilized and advanced.

Experience

Toll Brothers Loan Processing Feb 2017- Present

Maintain frequent communication while providing exceptional customer service to homebuyers. Mortgage branch personnel, and the Homebuilding divisions throughout the entire loan process. Manage multiple loan files, collect and record customer information in a timely manner to ensure timely processing of compliant mortgage loan files Set up loan files, manually and on the computer, and order all exhibits (i.e., VOE's, VOD's credit report, etc.) Ensure accuracy and completeness of each loan file processed prior to passing to the closing department Follow up on submitted loans and/or pended loans. Coordinate closing paperwork and tasks, as required remain knowledgeable in all Toll brothers loan programs and guidelines.

NVR Mortgage Processing Supervisor May 2012-Feb 2017

Processing loans in own pipeline including initial approvals, resubmissions and clear to close procedures. This includes full credit analysis, calculation of income for all types of employment (i.e. W-2, self-employed, fixed income) and review of assets in accordance to the investor guidelines. Perform review of loans originated prior to assigning to processing team. This includes verifying loan meets general guidelines for individual investors, preforming cursory credit analysis and income analysis and identify outstanding items or questions that could cause delays in up front approval. Tracking of the team’s loan submissions, approvals, denials and suspension to identity training needs. Communicate all approval status changes and clear to close statuses with borrower and/or loan agent. Discuss conditions as dictated by UW and internal policy, and ensure borrower/ loan agent understands what is needed. Managing the team and individual pipeline to ensure timely submission to underwriting and early detection of possible closing delays. Act as an escalation point for processing with underwriting questions or difficulties. Manage and perform pipeline tasks necessary to ensure loans are in constant motion progressing towards closing. Review of loan submission by processors to review all conditions that are submitted to ensure quality submission. Maintain and communicate a daily workflow to ensure all urgent matters are dealt with, and purchase transactions do not carry beyond target close date.

Cardinal Financial FHA/VA/CON Processor Aug 2010-May 2012

Manage the customer relationship from application and take all the necessary steps in accordance with internal policies and procedures to bring the transaction to ready to close status. To obtain essential documentation, issue mortgage limits, or submit to underwriting within determined timeframes and work with customer to satisfy all conditions of approval within salability guidelines. Maintaining a close relationship with all parties involved in the mortgage transaction. Customer service is being paramount to meet both internal and external expectations. Meet turn time, productivity and quality metrics is a requirement. Receive and complete setup of incoming loan applications. Validate appropriate documentation as required by processing option, DU. Analyze all incoming information to ensure guideline compliance and evaluate loan feasibility. Determine and obtain acceptable methods of documentation and compensating factors when necessary for FHA, VA, or Conventional loans. Send written requests or make phone calls to customers, etc., and other third parties to obtain additions information required. Make underwriting decisions and/or recommendations on all loan files within stated lending authorities. Identify transactions which need Underwriter review; package and submit within in pre-determined timeframes. Apply new information received regarding investor underwriting guidelines, company policies, processing procedures, etc. Send commitment letters, 10 day incomplete letters, Re-disclosure requirements, TILs and any specific documents.

GMAC Mortgage Credit Analyst Aug 2006-Aug 2010

Perform a comprehensive counter party financial and risk assessment of Broker relationships. Outline compensating factors if an exception is granted, all derogatory information must be noted and addressed and must outline the risk associated with the new/existing relationship( e.g., eligibility, loan quality, loan performance, lawsuits, capitalization, ownership, operation structure, financial viability, etc.) justifying the Analysts approval/ denial recommendation of the customer or client recertification. Review must be completed within established cycle times and in accordance with policies & procedures. Review third party vendor background information/, Lexus-Nexus, etc., collect all the necessary data to address conflicting information or mitigate potential risk to GMACB to ensure that regulatory, compliance and internal eligibility requirements are met prior issuing and Approval/ Denial recommendation for new customers. Escalate and document risk issues uncovered during approval, status modification and recertification processes (i.e. changes in the client’s operation and / or funding and/ or ownership structure, etc.) to the Manager or Team Lead.

Key Skills

Office Skills: Office Management Spreadsheet/Reports Underwriting

Records Management Calendaring Loan Processing

10+years with FHA/VA/ USDA/Conventional loans

Working with DU and LP

Computer Skills: MS Word MS Outlook

MS Excel Window

Education

Pierce College

Relevant Courses:

Business Management

Murrell Dobbins AVT High School

Relevant Courses:

Business Education: College Prep

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