I have been in Mortgage Banking for over 20 years

Nicole Ray 773-***-**** E-mail *******@*****.***

Objective: To work within a service-oriented opportunity that will allow me to demonstrate my 20 years of providing quality Customer Service

Skills:

Display excellent customer service skills face-to-face as well as by phone abilities. Experience with retail/mortgage, loan collection, loss mitigation, along with FHA, VA case number, appraisal/title, and flood. NMLS regulations. The ability to type 30-40 wpm, collections, MS Office (Word, Excel) Lotus notes Outlook experience

Experience:

Residential Mortgage Closer/Funder, Center State Bank Atlanta, Ga 06/2018-12/2018

Prepare Closing Disclosure to the Borrower and Loan Officer following TRID guidelines

Working on Encompass System, coordinates details of closings with realtor/builder seller and closing agent. Prepares and sends closing package to closing agent. Perform post-closing audit and ships required document package to investors. Meets performance standards and goals established by the bank. Review funding documents

Mortgage Closer /Shipper, SunTrust Mortgage Atlanta, Ga 06/2015- 06/2018

Coordinates details of closings with borrower, realtor/builder seller and closing agent.

Balance Closing Disclosure following TRID guidelines

Prepares and sends closing package to closing agent.

Perform post-closing audit and ships required document package to investors.

Meets performance standards and goals established by the bank.

Review funding documents

Legal Research Analyst, National Tax Search Chicago, IL 09/2013-10/2014

Developed imported tax information into Tax’ Q operating software for all states to establish each tax record use

Researched for legal description and use in order to research and determine parcel numbers and a full tax certification

Maintained and input accurate parcels numbers, agency relationship, prior delinquency on sold or current status

Determined special abatements, exemptions, and special data required to manage the property taxes in the future

Mortgage Loan Processor, Chase Bank Chicago, IL 09/2012-09/2013

Managed pipeline via daily pipeline reporting and communicated directly with customers to achieve an ideal experience.

Reviewed title insurance, flood, tax certificates, and surveys to ensure they met Chase guidelines

Performed all validation requirements on applicable loan files and review documents for acceptability against loan conditions

Reviewed rate locks and point objectives for accuracy, ensured all pricing and fees are accurate

Coordinated with buyers, title companies, escrow agents, surveyors, and real estate agents to schedule loan closings

Achieved and maintained acceptable customer satisfaction levels and prepared and calculated income and assets thoroughly before submission to underwriting, when applicable as well as complied with all Chase and federal compliance regulations

Mortgage Loan Processing, Set Up Clerk, Fifth Third Bank Oaklawn, IL 08/2010-10/2012

Maintained new files for purchase or refinance

Ordered title, appraisals, flood, predatory lending, and obtain FHA case number, VA case number

Complied with Fifth Third mortgage company's policies and procedures

Provided quality customer service with the loan originator

Lead Operations Representative, Bank of America Chicago, IL 02/2001-10/2008

Communicated directly with cardholder via telephone with online banking transactions

Assisted cardholder with their banking and any transaction that were in dispute

Processed charge backs within Reg E, OCC and the Federal Reserve rules and regulations

Provided quality customer service to the cardholder

Loss Mitigation Processor, ABN AMRO Mortgage Group Inc. Norridge IL 09/1998-02/2001

Reviewed foreclosure repayment options for Real Estate owned properties

Initiated direct contact with mortgagors in default via telephone contact, and Soliciting letters

Initiated direct contact with statewide Attorney's on legal issues

Maintained VA, FHA, FNMA, and FHLMC guidelines

Education: 9/1984-06/1988 Diploma, Rezin Orr Community Academy

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