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Mortgage Processor /Life Insurance Sales

Location:
Chicago, Illinois, United States
Salary:
$45,000
Posted:
November 07, 2018

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Resume:

Ronald Mothershed

OBJECTIVE

To utilize my extensive knowledge and experience in a financial organization or funding institution where I can make use of systematic communication, contribute to the success of the company, and work with bright committed people.

STRENGTHS

I have experiences with using LaserPro to produce consumer and commercial lending loan applications that reflect the negotiated terms, fees and conditions. I have the ability to create standard workflows to further increase operational efficiency and dramatically speed up consumer loan processing. The ability to use multiple payment types such as installment, single-pay, balloon and construction-permanent payment types. Very detail minded with intense organizational and follow through skills. Proficient in MS Office, including EXCEL and possess strong computer skills. Prefunding Reviews, ARM Audits, Quality Control Audits, Early Payment Default Reviews, HMDA Audits, Legal Compliance Reviews, Servicing Audits, DU, LP, FNMA, FHLMC Guidelines, FHA, VA, GNMA Guidelines, Loan Modifications (HARP program).

PROFESSIONAL EXPERIENCE

GoHealth Chicago IL. 09/2018 to Present

Life Insurance Sales Specialist

Assist individuals through the important decision-making process of selecting a life plan that matches their needs.

Handle inbound and outbound sales inquiries to effectively sell life insurance plans and products via phone to customers (no cold calling)

Quickly grasp new concepts and product offerings, Term Life, Whole Life, Final Expense, Critical Illness and other life insurance products

Guide consumers through the life insurance policy selection and application process and serve as subject matter expert for life insurance

enrollments.

Learn and adapt quickly, while following GoHealth's internal policies and procedures

Provide an excellent consumer experience for all callers, and be passionate about helping the aging and disabled community

Comply with Federal CMS and State legal requirements and standards

Be the "Face of GoHealth" at the consumer level, and serve as a brand ambassador for the organization

Wintrust Mortgage/ Rosemont IL. 08/2017 to 3/2018

RESPA/ Coordinator

Maintain and review underwriting files on all sold cases

Reviews all RESPA docs and early disclosures for accuracy and thoroughness.

Verify the accuracy of title, flood determinations, corporate status, UCC searches, Tax-Lien-Judgments searches, and insurance.

Administered financial analysis to determine ability to pay

Responsible for analyzing and evaluating the collateral, credit, and financial status of individuals

Handled a diary system efficiently and did follow-ups daily for paperwork and information needed for policies with the underwriters and brokers

Fay Servicing Chicago IL. 08/2015 to 08/2017

Document Specialist

Reviews/issues complete and accurate Loan Estimates on Retail and Wholesale loans.

Answering In bound calls and process customer payments

Ensuring Customer satisfaction and document interaction with customers

Ensures proper loan documentation is obtained for each specific loan type/product.

Identify when a Change of Circumstance has occurred and properly document the file.

Verifies certifications and disclosures have been properly disclosed and within allowable time frames.

Indexes loan documents in Imaging System, performs quality control review of submission documents to ensure compliance with all Banks.

J.P. Morgan Chase Chicago, IL. (Contract Position) 02/2015 to 08/2015

Mortgage Processor

Successfully work closely with Mortgage Advisors to provide an exceptional mortgage experience to their high net worth clients.

As a processor I was required to complete tasks assigned in a timely manner.

These tasks include but are not limited to the review of appraisals, review and clearing of title, ordering payoffs and homeowners and flood insurance.

The position entailed utilizing various systems as well as maintaining pipelines and workflow queues to prioritize deal flow.

Responsible to be knowledgeable of Federal and State regulatory requirements, detail oriented with ability to set goals, meet objectives, take initiative and complete tasks within deadlines. Display excellent written and verbal communication skills, and Analytical / Critical thinking - be able to anticipate problems and resolve early.

C.H. Robinson Chicago, IL. (Contract Position) 08/2014 to 02/2015

Account Receivables

Analyze commercial lending billing invoices in order to provide timely and professional service reports on production, company’s financial

gain, new developments and changes.

Maintain open communications with commercial branches and customers, answering questions or researching invoicing issues.

Aggressively pursue ideas to make Centralized Collections a fast, accurate and efficient process for getting invoices out the door and

receiving payment from customers.

Build and coordinate new commercial partnerships internally with branches to strengthen customer relations and overall company profitability.

Avant Credit Randstad Chicago, IL. (Contract Position) 01/2014 to 6/2014

Commercial Loan Processor/ Credit Analyst

Responsible for accuracy of processing all new and renewal commercial loan transactions that are offered in accordance with the banks policy and requirements.

Obtaining and distributing a variety of documents, including signed approved applications, compose denial letters and legal collection

documents.

Analyzes credit reports, create a debit to income ratio report based on paystubs, and bank statement and financial statements.

Verify that loan approval conditions are met and prepare files in proper order for loan review and Collect on pass due accounts.

J.P. Morgan Chase Chicago, IL. 05/2012 to 9/2013

Sr. Loan Mortgage Processor

Successfully work closely with Mortgage Advisors to provide an exceptional mortgage experience to their high net worth clients.

As a processor I was required to complete tasks assigned in a timely manner.

These tasks include but are not limited to the review of appraisals, review and clearing of title, ordering payoffs and homeowners and flood

Insurance.

The position entailed utilizing various systems as well as maintaining pipelines and workflow queues to prioritize deal flow.

Responsible to be knowledgeable of Federal and State regulatory requirements, detail oriented with ability to set goals, meet objectives, take initiative and complete tasks within deadlines. Display excellent written and verbal communication skills, and Analytical / Critical thinking - be able to anticipate problems and resolve early.

Harris Bank NA, Rolling Meadows, IL 06/2006 to 10/2011

Sr. Loss Mitigation Representative/ Assistant Processor

Successfully passing the FDCPA (Fair Debt Collections Practicing Act and the Banking Compliance Exam

Independently managed enormous database of client accounts assigned

Acted as the liaison between the loan officer, processor and the lender during the initial loan and closing processes

Preparing forbearance plans, loan modifications, overseeing short sales, administering escrow shortage spreads for taxes and make sure the customer qualifies for loan modification to prevent foreclosure delinquent

Compiled the borrowers required information including; tax returns, bank statements, income verification, appraisals, and credit reports on a deadline for the senior underwriters document verification process

Law Offices of B.H.L.M, Chicago, IL 01/2006 to 6/2006

Sr. Legal Collections Representative

Review client’s overdue balances and resolved clients billing disputes

Negotiated settlements in court and determination of risk and credit factors to extend appropriate settlement agreements

Required to identify, assess, and resolve issues/ problems within collections area of responsibility

Give explanation regarding obligations, legal steps, and obtain payments

EDUCATION & SPECIAL TRAINING

Philander Smith College, Little Rock, AR 1999-2004

Business Education

United States Marine Corps VMFA 122, Beaufort, SC 1994-1998

Served as a Corporal of Logistics for USMC.

Responsibilities were to lead and ensure manifests were precise for deployments of troops, gear, vehicles, and aircraft for any missions or training.

ACHIEVEMENTS & AWARDS

President of Phi Beta Sigma Fraternity



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