Operations Mgmt.
Resume:
Kira A. Johnson
***B Cecil Place
Costa Mesa, CA 92627
Phone: 714-***-****
Email: **********@*****.***
Objective
Obtain a position in sales and/or business administration, where my background in sales, customer service, operations, management and compliance will be effectively utilized.
Qualifications
Over 16 years of strong and diverse experience in sales, customer service, processing, operations, underwriting, compliance, training, technical writing and management of sales and operations in mortgage banking.
Experienced and knowledgeable in all facets of customer service, sales, management, compliance, operations and a vast number of products and services in mortgage banking including wholesale lending, personal and private banking and business banking.
Highly competent and successful in the management of a sales team or an operation team comprised of fifteen or more.
Experienced in marketing products to a number of wide-ranging clients.
Fluent in small business lending, consumer lending, wholesale and retail mortgage lending including conventional conforming and nonconforming, jumbo, alt doc, asset based lending, portfolio, hard money, combos and stand-alone 2nds, FHA, reverse mortgages, VA and USDA.
Highly competent in facilitating on-going business client relationships.
A proven record of superior sales and production.
High degree of sales aptitude combined with exceptional interpersonal skills which have been applied to facilitate training of other business associates and colleagues.
A hardworking, conscientious and amiable professional possessing the ability to function independently and in a team oriented environment.
Professional Experience
2016-Current GENPACT
Senior Loan Processor
Responsible for obtaining necessary documents for file submission, ordering of loan documents and funding.
Accountable for establishing ratios and other qualifying factors throughout the loan process.
Worked independently within a team environment with underwriters and funders.
Supply excellent customer service to home loan customers and internal counterparts.
Accountable for processing VA and Conventional loans.
2014-2016 WESCOM CREDIT UNION
Sr. Government Loan Processor Team Lead/Training & Implementation Team Lead
Responsible for 5 government loan processors; from their training, to auditing of their loans, making sure they are compliant, verifying that they met government and investor guidelines, making sure COEs were met and they closed a minimum of 20 loans a month.
Accountable for training and implementation of TRID for the entire processing department of 25 processors. Auditing their loans, making sure they were compliant and met investor guidelines, making sure COEs were met and they were meeting their goals of 20 loans closed a month.
Responsible as a Technical Writer for writing policies and procedures, guidelines, manuals, matrices, job aids, checklists, compliance materials, training materials and marketing materials. In addition, being accountable for updating promptly all the above-mentioned documents with all new Regulatory and Investor changes.
Responsible for obtaining necessary documents for file submission, ordering of loan documents and funding.
Accountable for establishing ratios and other qualifying factors throughout the loan process.
Worked independently within a team environment with underwriters and funders.
Supply excellent customer service to home loan customers and internal counterparts.
Responsible for ordering Case Numbers, VA appraisals, handling case transfers and other functions within the Government Websites.
Utilized as a member of the TRID Project Testing Team to prepare for conversion to the Loan Estimate and Closing Disclosure forms.
Teamed with Compliance and Processing Management to create policy and procedures, guidelines, checklists and a manual for originations.
Accountable for processing all the purchase and refinance FHA, VA, USDA and Reverse Mortgage loans. In addition to processing the overflow of the purchase and refinance Conventional loans including combos, jumbos and Portfolio loans.
2012-2014 BANK OF AMERICA, N.A.
Subject Matter Expert - Trainer/Home Services Specialist II - Level 1 Underwriting Authority
Responsible for obtaining necessary documents for file submission, ordering of loan documents and funding.
Accountable for establishing ratios and other qualifying factors throughout the loan process.
Worked independently within a team environment with underwriters and funders.
Conventional Level One Signing Authority utilized to underwrite loan files and sign off loan file conditions.
Utilized as a Subject Matter Expert to assist in the training of systems, guidelines, policies and procedures for new associates. Oftentimes traveling in and outside of California in order to be at the training site for my role as the Subject Matter Expert throughout the trainings.
Supply excellent customer service to home loan customers and internal counterparts.
Accountable for processing the purchase and refinance FHA and Conventional loans including combos and jumbos.
2009-2012 WELLS FARGO BANK, N.A.
Business Certified Personal Banker & Community Ambassador - CRA
Assist bank customers in achieving financial success for small business and personal needs including lending and banking.
Supply excellent customer service to existing bank customers in maintenance transactions.
Responsible for obtaining new customers for the financial institution.
Accountable for organizing and teaching financial literacy classes within the community, beginning with grade school level and continuing all the way through college level, in order to assist the bank in meeting it’s CRA requirements.
Planned and coordinated volunteer activities and cultivated participation with my colleagues at my home branch and nearby local branches to assist the bank in meeting it’s CRA requirements.
2003-2008 TRUST ONE MORTGAGE CORPORATION, IRVINE, CALIFORNIA
Wholesale Manager/Senior Wholesale Account Executive
Responsible as a Technical Writer for writing policies and procedures, guidelines, manuals, matrices, job aids, checklists, compliance materials, training materials and marketing materials. In addition, being accountable for updating promptly all the above-mentioned documents with all new Regulatory and Investor changes.
Worked independently within a team environment with underwriters and funders.
Maintain and facilitate unparalleled long-lasting broker relationships.
Responsible for training new wholesale account executives on products and procedures.
Marketing new and current products to current and prospective clients.
Created Marketing tools for all Wholesale and Retail teams.
Managed a team of ten or more Wholesale Account Executives and was responsible for insuring that their monthly goals were consistently either met or exceeded.
By utilizing the investor’s guidelines, created the guidelines for internal use for the Wholesale and Retail teams.
Held weekly meetings to train wholesale account executives on current and updated products and procedures.
Created the policies and procedures for the Wholesale Division.
Teamed with the Quality Control Department to process Broker Applications for Approval.
2002-2003 TRUST ONE MORTGAGE CORPORATION, IRVINE, CALIFORNIA
Processing Manager/Senior Loan Processor
Responsible for obtaining necessary documents for file submission, ordering of loan documents and funding.
Accountable for establishing ratios and other qualifying factors throughout the loan process.
Managed a team of fifteen or more loan processors and was responsible for their training, as well as insuring they consistently met or exceeded their monthly goals.
Responsible as a Technical Writer for writing policies and procedures, guidelines, manuals, matrices, job aids, checklists, compliance materials, training materials and marketing materials. In addition, being accountable for updating promptly all the above-mentioned documents with all new Regulatory and Investor changes.
2002 FIRST AMERICAN TITLE, SANTA ANA, CALIFORNIA
Customer Service Representative
Compiling property profiles and comparables for title clients.
Researching recorded documents and owners of record on title.
Supply excellent customer service to title customers.
2001 THE LEASE OUTLET, COSTA MESA, CALIFORNIA
Office Manager
Responsible for auto advertising.
Handling of accounts payable and receivable.
Accountable for ADP payroll.
Preparing of receptionist schedules and handling overflow incoming calls.
1998-2001 SOS FREE MEDICAL CLINIC, COSTA MESA, CALIFORNIA
Volunteer
Purging and filing patient charts.
Accountable for preparing patient charts for their visits.
Responsible for answering phones and attending to the front desk.
Education
GOLDEN WEST COLLEGE, HUNTINGTON BEACH, CALIFORNIA and ORANGE COAST COLLEGE, COSTA MESA, CALIFORNIA
Credits applied towards Business Major
Licenses
Notary Public
Nationwide Mortgage Licensing System Registered
References
AVAILABLE UPON REQUEST
Contact this candidate