Quality Assurance High School

Tenecia Oliver

**** ****** ****, ******, ** ***** 214-***-**** *******.******@*******.***

SR. LOAN PROCESSOR

Goal-oriented professional with extensive experience in underwriting and processing for

residential and refinance loans. Proven ability to function in changing environments, and

interact effectively with all levels of support staff in order to increase revenues and improve profits.

Core competencies include:

• Staff Training and Development

• Detail Oriented and Deadline Sensitive

• Effective Communication Skills

• Creative Problem Solving Skills

• Team Player

• Over 10 years experience in the Mortgage industry

PROFESSIONAL EXPERIENCE

GreenTree Servicing, Dallas, TX July 2013-April 2014

Sr. Loan processor/ Jr. Underwriter

• Met established turnaround times required for reviewing individual documents and initiating tasks.

• Answered incoming calls and met dept. phone SLA's.

• Cleared conditions as needed. Identified & worked through alternatives for loans that fall outside of guidelines

by demonstrating the ability to adhere to the UW guidelines to ensure proper salability of loans to investors.

• Tracked missing documentation on loans.

• Reviewed documentation upon receipt for adherence to investor requirements.

• For loans that fell out of guidelines, identified and worked through alternatives with Supervisor and/or clients.

• Made recommendations to save or convert to an actual Business Decision.

• Assisted internal/external customers and correspondents with loan status, website assistance, and web

scoring, and underwriting scenarios.

• Acted as a subject matter expert and performed second level review as required, add ress elevated loan

questions and issues from lower level analysts.

• Shared all findings with processor’s, clients or correspondents via written or verbal communication methods.

• Complete input of loan details and information into internal systems during initial underwrite.

• Reviewed higher risk flags from data alerts to clear variances.

• Accessed and rescored loans through process on decision engines.

• Reviewed re-verified information compared to original verification

Genpact Mortgage, Richardson, TX February 2013-July 2013

Sr. Loan Processor

• Provided support to loan officers and underwriter teams by ensuring the timely, judicious and accurate processing of

mortgages

• Reviewed and verified borrowers’ income, credit reports, employment hi stories, property appraisals and title insurance

information to prepare loan applications for underwriting submittals

• Reviewed HUD1’s to ensure compliance with company policies, underwriting guidelines and lending -program

requirements

• Balanced HUD statements; verified rate locks and compared all HUD-1’s to verify accuracy

• Partnered with funders to ensure receipt of proper documentation

PrimeLending, Dallas, TX July 2012- February 2013

Sr. Loan Processor

• Processed conventional, FHA and VA government subsidized mortgages

• Prepared existing credit refinancing

• Reviewed file disclosures to ensure state compliance

• Handled contracts to ensure execution is consistent throughout relevant documents

• Analyzed asset and income documentation to ensure appropriate securitization and risk exposure

• Managed appraisal process for properties to ensure accuracy and timely execution

• Ordered title review and insurance for properties to ensure assets are free and clear of previo us liens.

JP Morgan Chase, Fort Worth, TX January 2012-April 2012

SME/ Chain of Title Reviewer

*Created legal documents such as Assignments and Allonges.

• Verified Original Note (or Lost Note Affidavit) Endorsements.

• Reviewed Loan Modifications and Agreements for accuracy.

• Located and print from Loan and Investor Servicing Answers (LISA) the name to foreclose in.

• Reviewed the files to confirm the original note is present.

• Reviewed the endorsements and assignments to confirm the c hain is complete.

• Tracked documents in Windows Collateral Management Services System (WinCMSS).

• Accessed and reviewed merger websites to determine if companies have merged to verify chain of title was

completed.

• Reviewed Credit File to determine if original Note or Lost Note Affidavit (LNA) can be located.

• Promoted to subject matter expert team to perform special projects to enhance knowledge for processors,

provide classroom training, and review processes for improvements.

• Provided training and answers to questions processors required to complete reviews. Reviewed processors'

files for quality assurance.

Metlife Home Loans, Irving, TX July 2011- January 2012

Manual Mortgage Underwriter

• Render and communicate decisions that most effectively mitigate the risks present in the case file, including

data integrity and validity of information submitted to company and all risk factors related to credit, income,

assets, appraisal, title, survey and compliance.

• Verify case file data, including findings and calculations to determine loan compliance.

• Reviewed DU findings, Income documentation, sales contracts, title reports, appraisals, and credit reports to

insure loan is within Fannie Mae guidelines

• Audit legal packages to ensure compliance with investor and regulatory guidelines

• Required to reviewed a minimum of 10 loans daily

• Provide regular status updates to correspondents, vendors and borrowers, as applicable

• Collateral Vault Filing, Indexing, Coping, and Prepping

• checking the work that the auditors complete, Special Projects, Auditing, Contacting Branches, Writing Reports

daily\weekly\ monthly, Staffing

Wells Fargo Home Loans June 2008- January 2010

Loan Document Specialist III

• Processed Conventional, FHA and VA Mortgage files on Refinances, Purchases and Interim Construction

loans.

• Reviewed and submitted all Mortgage files to Underwriting for the initial approval.

• Work closely with Home Mortgage Consultants and communicated with borrowers throughout the entire

process.

• While maintaining a pipeline that consist of 80 loans.

Education

Cedar Hill High School, Cedar Hill TX 75104 Graduated 2002

Mountain View, Dallas,TX Currently attending

Concorde Career Institute, Arlington TX Graduated 2010

Skills:

10 Key, Microsoft word, Excel, Power Point, AS400, Edge, LIS, Calyx Point, Wincmss, Ivault, Encompass,

Medical Terminology, Phlebotomy, Medical Assisting.

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