Tracy McCarty
Mortgage Processor/Government Insuring Auditor - Citibank Financial
Jacksonville, Florida 32217
acugxh@r.postjobfree.com - 904-***-****
To acquire a Financial based position with an opportunity for professional growth in a people-oriented organization.
Authorized to work in the US for any employer
WORK EXPERIENCE
Mortgage Processor/Government Insuring Auditor
Citibank Financial - Jacksonville, FL - 2012 to Present Review loan files to verify procedures per guidelines.
• Ensure integrity of all data and process input, order necessary documents and follow-up with vendors/third parties to obtain in timely manner.
• Manage pipeline of loans within required performance and quality standards for welcome, approval and status calls.
• Obtain and review customer documents, and clear conditions commensurate with authority level.
• Submit loans to underwriting for conditional review and full approval upon receipt of appraisal.
• Partner with sales and underwriters on difficult and/or exception transactions.
• Exceed customer expectations by providing highest level of customer service.
• Maintain monthly performance measurements: Timeliness, production goals, suspense, compliance/regulatory, and customer satisfaction.
• Guarantee on time closing by completing all required pre-closing steps; preparing file for closer within required performance standards.
• Mentor new processors as needed.
Escrow Title and Closing Officer
Estate Title and Trust - Jacksonville, FL - 2012 to 2012 Was responsible for ordering title work, obtaining surveys, binder deposits and providing receipts to buyers, ordering payoffs, termite inspections and or home warranty billing.
• Communicated directly with listing agent, selling agents, mortgage companies and insurance companies involved in the new purchase.
• Prepared Pre-HUDS and closing HUDS for final approval prior to closing the Mortgage as a Notary assigned to the file.
Short Sale Negotiator
Bank of America - Jacksonville, FL - 2010 to 2012
Negotiated residential, Freddie Mac and Small Commercial Short Sales ensuring compliance with appropriate company and secondary market investor standards.
• Examined and retrieved loan documentation for accuracy and completeness.
• Worked with Real Estate Agents, Attorneys, Investors, Freddie Mac, MI companies, homeowners, buyers, Title Companies, Closing Department staff and or production staff to secure all required documents.
• Had authority to withdraw, negotiate and decline loans independently.
• Involved in several types of mortgage lending Conventional and Freddie Mac primarily. Assistant Community Director
United Dominion Realty - Altamonte Springs, FL - 2006 to 2010 Resolved resident disputes
• Accounted for and post rent payments for 400+ residents monthly
• Corrected and track resident account ledgers
• Processed maintenance requests
• Rented vacant apartment homes
• Processed three and seven day notices
• Processed and reconcile weekly, monthly and annual reports
• Processed final account statements for departing residents
• Direct assistant to Community Director in all requested areas upon request. Licensed Mortgage Broker
BeechTree Mortgage - Oviedo, FL - 2003 to 2006
Worked warm internet leads
• Developed new contacts via referrals, networking and community involvement
• Produced estimates, pricing, processing and data until completion of the loan process Military Police - 1985 to 2005
U.S Navy Multiple Ports of Call
• Responsible for the protection of highly classified and extremely sensitive material
• Manned the central display station, fire alarm system and patrol
• Responded and protected persons as well as property
• Provided armed guard for VIP's
• Performed car and individual searches to gain access to military and government property ADDITIONAL INFORMATION
SKILLS:
• Microsoft Word • Main Frame • Mortgage Processing
• Microsoft Excel • LPM • Negotiating
• Microsoft Outlook • Auditing • Customer Service
STRENGTHS:
• Strong analytical skills.
• Strong oral and written communication skills.
• Driven with a strong value of Quality Assurance.
• Excellent interpersonal skills both in person as well as phone etiquette.
• Exquisite problem solving skills.
• Thorough understanding of credit and an ability to review complex financial documents.
• Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements.
• Ability to make credit recommendations.
• Commitment to teamwork.
• Continuously meet production, quality and service standards.
• Providing direct coaching and feedback to ensure team building.
• Self-motivated.
• Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.