JOLYNN SPENCER

Pasadena, CA ac755e@r.postjobfree.com 626-***-****

SUMMARY

Several years of experience in the areas of Operations, Compliance, Training, Help Desk, Loan Products and Pricing, Customer Service, and Mortgage Servicing. Extensive knowledge of VA, FNMA, FHLMC, Making Homes Affordable, Conforming and Non-Conforming guidelines.

SKILLS & ABILITIES

Knowledge of TILA-RESPA Integrated Disclosures, Achievement of SASE Level 1 Underwriting Sign off Authority and 100% QC Ratings, Excellencein Training, Customer Service and, Understanding of Automated Underwriting Systems, Income and Asset Calculation, Auditor of HMDA, Texas A6, High Cost Loan Closing Documents and Fees, Knowledge of Encompass, EDGE, CLUES, LP, DU, Microsoft Office.

EXPERIENCE

AMERICAN MORTGAGE CONSULTANTS – Remote – 03/17 – 05/17

Compliance Underwriting Analyst

Temporary contract position working from home reviewing post- closing loan files for accuracy and completeness in Clarity and Acuity. Analyze the security instrument, note, riders, addendums, credit report history, mortgage loan applications, income, assets, title policies, appraisal, and all required disclosures, etc. Evaluate debt to income, loan to value, credit score, property values. Input the loan file information from Acuity into Clarity. Acknowledge all Validations and verify all Exceptions for missing required documentation. Answer all questions and run Compliance to obtain a Complete. Elevate incomplete loan files to the Exception Team. Make internal comments for the Client to review regarding findings. Complete required underwriting training and maintain knowledge of business policies.

AEROTEK STAFFING - El Monte – 10/14 – 01/15

Retail Loan Opener (PennyMac Loan Services, LLC)

Assigned loan files to loan processors. Open Title, Order Flood and Appraisals if applicable. Update Homeowners and HOA insurance to reflect new loan number and mortgagee clause. Retrieve and upload MSP loan history, Deed and Note from PennEDocs or LAMP to virtual loan files. Complete SAM’s and FHLMC Exclusionary List and upload to loan file.

BANK OF AMERICA - Pasadena, CA – 10/12 – 04/14

Home Service Specialist II with SASE Level 1 Underwriting Authority.

Successfully processed and underwrote loans within bank guidelines and government regulations. Heavy telephone contact with borrowers, mortgage loanofficers, underwriters, and title companies. Analyzed income documentation, asset documentation, and tax returns for self-employed borrowers. Managed high-volume pipeline in a fast pace environment.

VOLT STAFFING AGENCY – West Covina – 09/12 – 10/12

Senior Loan Processor (Simplicity Bank, FKA Kaiser Federal Credit Union)

Provided daily update and coordinate loan process with borrowers, underwriter, and sales partners. Reviewed, analyze income documentation, asset documentation, title, home appraisal, and insurance documentation. Provided daily status with management team on loan pipeline and status on loan documentation. Worked in a high volume and fast paced environment.

CRESENT SOLUTIONS - Pasadena, CA 01/11 – 04/11

Senior Loan Processor (Bank of America)

Processed VA Purchase loans within bank guidelines and government regulations. Heavy telephone contact with borrowers, loan officers, underwriters, and title and real estate companies. Analyzed income documentation, asset documentation, and tax returns for self-employed borrowers.

ADDVANTAGE STAFFING - Glendale, CA 10/10 – 12/10

Loss Mitigation Loan Processor (California Credit Union)

Review loan modification request. Send letter to shareholder requesting documents for loan mod review. Calculate income and prepare loan summary sheet. Receive and request and Notice of Default and Notice of Foreclosuredocuments. Prepare reports for monthly officer reviews. Request checks for Real Estate Owned properties to be sold. Send signed loan modification documents to county recorder for recording.

ROSE INTERNATIONAL - Pasadena, CA 04/10 – 05/10

Operations Specialist II (Landsafe Credit)

Facilitate conference call with borrowers and creditors to verify account information. Verbal verification of borrower’s mortgage payments, rental history, account status, release of liens and satisfaction of judgments, etc. on credit report. Input information into Access system. Heavy contact with brokers, loan officers, and processors. Heavy contact with borrowers, landlords, and property management companies. Knowledge of reading credit reports.

PRIORITY FINANCIAL GROUP - San Dimas, CA 09/08 – 04/10

Account Executive, Loan Modification Processor, Negotiator

Outbound calls to clients and face to face meetings. Prepare modification letters to lenders. Prepare loan documents, calculate income and prepare income and expense worksheet. Fax loan packages to lender. Negotiate loan terms with underwriters/lenders. Fax third party authorizations. Follow up on faxed documentation.

OPTIONS FOR YOUTH- Pasadena, CA 09/07 – 02/08

Accounting Assistant

Open and stamp daily accounting mail and distribute. Prepare weekly vendor checks for mail and Courier pick up. Mail reports to Sacramento and School Districts. Make label for file folders and daily mail. Prepared FedEx envelopes for reports. Made copies, scanned and faxed documents. Prepared binders for weekly and monthly reports.

THE SRS GROUP - Pasadena, CA 03/07 - 04/07

Senior Loan Processor (The CIT Group)

Liaison between Operations and Brokers. Review conditional loan approval prior to sending to Broker. Email conditional loan approval to Broker. Receive, review, stack and tag conditions for underwriter review. Verified and input appraisal, insurance, title, HMDA, employment, borrower info in CSMI. Prepared and sent doc request to Broker/Processor.

THE MORTGAGE STORE - Los Angeles, CA 08/06 – 10/06

Loan Coordinator II

Liaison between Operations & Brokers. Review conditional loan approval prior to sending to broker. Email conditional loan approval to broker. Receive, review, stack and tag conditions for underwriter review. Clear prior to funding conditions in dry and wet states.

FULL SPECTRUM LENDING (COUNTRYWIDE) - Pasadena, CA 02/99 – 04/06

Senior Loan Specialist - 08/04 – 04/06

Provided daily update and coordinate loan process with borrowers, underwriter, and sales force. Reviewed, analyze income documentation, asset documentation, title, home appraisal, and insurance documentation.Provided daily status with management team on loan pipeline and status on loan documentation. Worked in a high volume and fast paced environment.

Senior Training & Development Specialist - Operations 01/03 – 08/04

Trained and facilitated employees including senior management, branch managers, loan processors, sales force, and new hires via WebEX. Assisted with creating curriculum adhering to corporate policies and procedures. Conducted individual as well as group training for web bases classes of up to 250 employees. The only web-based trainer liaison to production branches, operations and compliance with answers to questions on various topics.

Manager of Operations Response Center – ORC, 10/01 – 01/03

Sr. Operations Specialist of ORC, 07/00 – 10/01

Operations Specialist of ORC, 02/99 – 07/00

Manager of the Operations Response Center Help Desk. Responsible for hiring and training new Operation Specialist. Post weekly resolutions to problems or questions via Intranet - Inside the Spectrum. Personally, assistnewly hired branch managers first 30 days of employment. Worked closely with senior management, compliance, operations, branch managers, assistant branch managers, funding, 1st & 2nd level support to resolve ongoing system issues. Ensure staff is up to date on all training and Standard Operations Procedures. Assist with Policies and Procedures for Bulletins released by Operations. Audit Texas A6 & High Cost loan documents prior to funding. Receive over 150 calls from production daily. Answer questions and return calls. Assist with system problems they can’t resolve via PC Anywhere. Work one on one with new hires. Escalate system issue to FSL 1st level support that can’t be resolved by ORC.

EDUCATION

ASUZA WORLD MINISTRIES TRAINING INSTITUTE

B.A. in Biblical Studies 2003

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