Sales Manager
Resume:
N I C O L E T AY L O R
Savannah, Ga. 31406
Cell: 404/803-9176
E-Mail: ac9gcm@r.postjobfree.com
OBJECTIVE
To learn and grow with a company utilizing my skills and experience. EXPERIENCE
2018 – 2019 United Northern Mortgage Bankers Remote Position Senior Processor/Relationship Manager
o Re-evaluate processing procedure and assist management with putting new procedures into place
o Working with sales and upper management on new procedures to ensure files move more smoothly through UW
o Review all new files from sales to ensure compliance, borrower qualification and meets all industry guidelines prior to placing all applicable orders
o Review all new broker files for compliance and insure all applicable information is received to place the file in line for UW review o Notify sales on any missing items needed for the file to move forward and follow up as applicable
o Keep track of and follow up on all orders placed and notify sales of ETA’s or any possible delays
o Review title and appraisal once received to ensure the loan is still a benefit to the borrower and notify sales of any possible issues to be resolved o Submit complete file to UW for review once all needed items are received or notify the UW of any missing items needed that should be conditioned for
o Gather all outstanding conditions as required by the UW and re-submit once received for a clear to close
o Complete closing package and notify all applicable parties of the file being clear to close
o Assist UW with any Quality Control/Investor questions or conditions 2
2017 – 2018 United Northern Mortgage Bankers Remote Position DE Underwriter
o Review files and documentation provided by processing to ensure the loan meets all lender/FHA guidelines/RESPA/HMDA and state compliance o Review all fields in Reverse Vision and Blitz Docs to ensure processing/intake staff has entered all information appropriately
o Ensure all appraisals are complete and accurate
o Justify value of the appraisal via comps provided, additional research performed or by Field and Desk reviews by alternate appraisers o Set value on the appraisal once value has been deemed accurate to individual market standards
o Log all reviewed appraisals and re-log if necessary due to a possible decrease in value
o Review title and credit to ensure all debts and liens are appropriately paid at closing, ensure borrower meets residual income per FHA Financial Assessment requirements
o Ensure vesting is correct and review of all corrective deeds to be executed at closing
o If payoffs are obtained prior to U/W review, ensure the amount is up to date, and entered into the system and is accurate
o Review any HECM-HECM refi’s for benefit to borrower o Once review of entire file is complete, enter appropriate processing and closing/funding conditions into RV and notify processor of completed review o Clear all outstanding conditions in RV as provided by processing staff o Once all conditions have been received, issue clear to close to the processing staff and upload all completed 92900A/92800.5B to Blitz Docs 2016 – 2017 Live Well Financial Remote Position
DE Underwriter
o Assisting Compliance and Management in development of State Disclosure lists to ensure all files pass State Auditing requirements o Assist processing staff in filling of necessary conditions to ensure clearing of conditions in a timely manner
o Assist all Underwriting staff with clearing conditions to ensure we meet monthly sales goals
o Review files and documentation provided by processing to ensure the loan meets all lender/FHA guidelines/RESPA/HMDA and state compliance o Review all fields in Genesis to ensure processing/intake staff has entered all information appropriately
o Ensure all appraisals are complete and accurate
o Justify value of the appraisal via comps provided, additional research performed or by Field and Desk reviews by alternate appraisers o Set value on the appraisal once value has been deemed accurate to individual market standards
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o Log all reviewed appraisals and re-log if necessary due to a possible decrease in value
o Review title and credit to ensure all debts and liens are appropriately paid at closing, ensure borrower meets residual income per FHA Financial Assessment requirements
o Ensure vesting is correct and review of all corrective deeds to be executed at closing
o If payoffs are obtained prior to U/W review, ensure the amount is up to date, entered into the system and accurate
o Review any HECM-HECM refi’s for benefit to borrower o Once review of entire file is complete, enter appropriate processing and closing/funding conditions into RM Compass and notify processor of completed review
o Clear all outstanding conditions in Genesis provided by processing staff o Once all conditions have been received, issue clear to close to the processing staff and upload all completed 92900A/92800.5B to Genesis o Assist with clearing of closing/funding conditions and locate documentation in system for insuring when necessary
2014-2016 RMS/Security 1 Lending Hiram, Ga.
Quality Control
o Pull reports of all funded loans from both operating systems to send to outside auditors
o Once outside auditors have chosen the funded loans, gather all loan documentation and bundle into one PDF file to upload to their secure site. Follow up with outside auditors if reviews are not received in a timely manner o Once outside audit is received, review to ensure the items needed were not included and forward to management for response. Follow up with management if responses to findings are not received in the allotted time o Once responses are received, review to ensure are complete, that all documentation has been provided and to ensure that proper training is taking place o Pull reports of all Adverse Action (canceled files), choose 10%-50% to review for compliance, send findings to management for response, follow up if responses are not received in the allotted time
o Ensure management has responded appropriately to all Adverse Action findings, ensure that all necessary documentation has been uploaded to the file and that appropriate training is taking place
o Review specialty loans as needed to ensure compliance (HECM for Purchase, HECMHECM and Financial Assessment once implemented) o Pull documents chosen by State Auditors and forward to the appropriate parties. Assist in responding to all findings
o Pull documents chosen by outside auditors for the warehouse line, bundle into one PDF and upload to their site. Respond to all findings and provide corrections as necessary
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2013-2014 RMS/Security 1 Lending Hiram, Ga.
DE Underwriter
o Continue to transfer any Case Numbers to new lenders with a borrower’s letter of authorization once the appraisal has been accurately logged if loan was processed with RMS. If loan was processed through Security 1 Lending, ensure request is forwarded to appropriate party for completion of transfer o Shadow U/W closed loans for Security 1 Lending to ensure all lender/state/FHA guidelines have been met. Also ensure all RESPA/HMDA guidelines have been appropriately followed
o Review of manufactured home appraisals for Security 1 Lending prior to closing to ensure the home itself and foundation meet all applicable guidelines o Travel to the Newburgh, NY branch to train Security 1 Lending processing and intake staff on RM Compass for smooth transition of systems o Train Newburgh and San Diego, CA branch U/W’s on how to navigate RM Compass once transition has been completed
o Re-direction of correspondent lenders to the Newburgh or San Diego location as necessary for all initial Underwrites or for any conditions that have been sent to the Hiram location
o Continue to assist or train Security 1 Lending staff on navigation of RM Compass as needed
(RMS merged with Security 1 Lending in 2013)
2012-2013 RMS Hiram, Ga.
DE Underwriter
o Continue to train and monitor all intake and processing staff for retail and correspondents
o Continue to transfer any Case Numbers to new lenders with a borrower’s letter of authorization once the appraisal has been accurately logged o Review files and documentation provided by processing to ensure the loan meets all lender/FHA guidelines/RESPA/HMDA and state compliance o Review all fields in RM Compass to ensure processing/intake staff has entered all information appropriately
o Ensure all appraisals are complete and accurate
o Justify value of the appraisal via comps provided, additional research performed or by Field and Desk reviews by alternate appraisers o Set value on the appraisal once value has been deemed accurate to individual market standards
o Log all reviewed appraisals and re-log if necessary due to a possible decrease in value
o Review title and credit to ensure all debts and liens are appropriately paid at closing
o Ensure vesting is correct and review of all corrective deeds to be executed at closing
o If payoffs are obtained prior to U/W review, ensure the amount is up to date, entered into the system and accurate
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o Review any HECM-HECM refi’s for benefit to borrower o Once review of entire file is complete, enter appropriate processing and closing/funding conditions into RM Compass and notify processor of completed review
o Assist processing staff in filling of necessary conditions to ensure clearing of conditions in a timely manner
o Clear all outstanding conditions in RM Compass provided by processing staff o Once all conditions have been received, issue clear to close to the processing staff and upload all completed 92900A/92800.5B to RM Compass o Assist with clearing of closing/funding conditions and locate documentation in system for insuring when necessary
2011-2012 RMS Hiram, Ga.
Sr. Processor
o Intake of all files from the sales department via e-mail o Review file for accuracy and completion
o Obtain any document corrections needed from the borrower or loan officer & obtain any additional needed documentation
o Complete any missing data entry in RM Compass
o Place all orders necessary to process the file
o Pre-Underwrite title, credit and appraisals for FHA/lender guidelines o Notate file for U/W of any issues with title or appraisal once received, for example; additional liens/judgments not noted on the application, verification of correct vesting and obtain any necessary corrective deeds, occupancy issues or outstanding Federal Debt from the credit report and any value issues, repairs poor adjustments or general corrections needed on the appraisal o Obtain and enter preliminary fee’s from the title company to enter on the HUD-1 screen in RM Compass
o Re-Disclose according to RESPA guidelines to the borrower for value, repairs or any unknown additional expenses not disclosed at the initial application o Assist title in obtaining payoffs or Bankruptcy information when necessary o Upload all documentation to the file for U/W review o Once U/W has completed review, obtain all necessary conditions from title, appraiser, borrower or loan officer and present back to the U/W for final approval o Answer any questions the borrower may have regarding their Reverse Mortgage o At the time of clear to close, schedule closing with the borrower and coordinate the date with the closing department and title and gather all documentation needed by the closing department for the scheduled closing and ensure said documentation has been uploaded to RM Compass
o Transfer any Case Numbers to new lenders with a borrower’s letter of authorization once the appraisal has been accurately logged o Train all processing and new intake staff on lender/FHA guidelines and how to navigate the system
o Train all new U/W staff on navigation of RM Compass 6
2005-2011 Financial Freedom Atlanta, Ga.
Processor
o Once file is received review file for compliance and completeness o Complete any data entry missing into GPS system once file is received o Set up files by placing all orders & notifying RMS (Reverse Mortgage Specialist) of any inconsistencies in the file
o Works with borrower to obtain any information needed to complete the file prior to sending to Underwriting
o Receives title and compares information with the rest of the file & checks compliance
o Corresponds with RMS regarding any liens or judgments that may be against the property & works with the title company to establish payoffs o Compares appraisal with file to check for accuracy & compliance with FHA regulations
o Request all corrections or clarifications from the appraiser o Calculates amount of hazard and/or flood insurance needed from the appraisal to be ordered from the insurance agent along with collecting necessary data to be sent to said agent
o Enters appraisal / title information into the GPS system o Corresponds with all title, FHA & third party appraisers via telephone, fax & e- mail Checks for submission requests and approvals from the underwriting department
o Requests information via fax, telephone or e-mail from third party agency’s concerning FHA requirements, (i.e.: well to septic measurements, distances being grandfathered into county regulations, areas being able to hook up to public water/sewage, etc.)
o Notifies RMS of any unknown expenses or damages to property that have to be rectified prior to closing (damages to property acquired from appraisal) o Notifies RMS of appraiser estimates to damage to set up escrow accounts o Gathers all conditions from the borrower and/ or RMS for Underwriting final review
o After final review from Underwriting, either complete further corrections/conditions or complete package to send to the closing department o Assist’s closing department with any questions that may arise o Assist’s funding for completion of any items that were missed at closing so that the file can fund in a timely manner
Junior Processor
o Ordered title and appraisal for processors
o Pulled appraiser licenses from the FHA Connection o Ordered all information into GPS systems
o Ordered all credit reports & flood certs from GPS system o Check identity documents against documents submitted by RMS (Reverse Mortgage Specialist)
o Ordered payoffs
o Stack documents accordingly to check list
o Ordered FHA case numbers through the FHA Connection 7
o Submit completed file to processor
2003-2004 Sun Trust Atlanta, Ga.
Junior Processor
o Ordered title and appraisal for processors
o Entered all information into Mortgage Ware and Loan Officer Entrée systems o Ordered Flood Certificates on line
o Ordered all verifications, rental and employment o Filing duties and other small administrative duties for office manager
(Sun America Mortgage Corp. merged with SunTrust 2003) 2000–2003 Sun America Mortgage Atlanta, Ga.
Accounting Assistant
o Balanced Escrow and Operating accounts
o Payment processing
o Accounts payable
o Consolidated and keyed several large accounts per branch o Customer service
o Answered customer questions regarding year end 1098’s o Assisted yearly auditors
o Itemized overage checks
o Calculated loan officer expenses
o Research for borrowers files
o Filed all payables
May 2000 - October 2000 NEI, Inc. Mableton, Ga.
Administrative Assistant
o Answered office phone calls
o Recorded service calls
o Ran any necessary errands
o General office maintenance
o Delivered paychecks to jobsites
o Bank deposits
o Calculated electricians expenses
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1998-2000 Sun America Mortgage Atlanta, Ga.
Accounting Manager Assistant / Shipping
o Keyed and edited $80 million pipeline
o Ran weekly and end of month pipeline reports
o Keyed all preliminary loan applications
o Light filing
o Consolidated and keyed several large accounts per branch o Assisted with invoices and deposits at crunch time o Arranged files in order per investor
o Logged and turned in files for investor
o Receptionist duties
o Post Closing duties
1996-1998 Food Service Market Reports Marietta, Ga. Researcher
o Found and entered leads from newspaper regarding new restaurant openings, changes of ownership and management
o Called to research leads
o Ran weekly reports
o Faxed reports to clients via computer on weekly basis o Entered sales leads into database
1994-1996 Pizza Hut Marietta, Ga.
Shift Manager
o Took customer orders
o Dispatched drivers
o Balance register nightly
o Bank deposit
o Organize weekly delivery
EDUCATION
1991–1995 McEachern High School Powder Springs, Ga.
High School Diploma
INTERESTS
Spending quality time with my family.
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