Sales Customer Service

Tiffany M Pointer

**** ********* *****, **********, ** 75167

972-***-**** (home)

214-***-**** (cell)

********@***.*** (email)

CUSTOMER SERVICE SALES & LOAN PROCESSOR PROFESSIONAL

Objective

To secure a responsible position with a growing company offering excellent opportunity.

Profile:

I have more than 4 years of management experience in a call center and sales. I have recognized strengths in sales, account maintenance, problem-solving, trouble-shooting, support, planning/implementing proactive procedures and systems to avoid problems.

• Possess solid computer and excellent working knowledge of using, Lotus 1-2-3, Microsoft Excel, WordPerfect, Microsoft Word

• Ability to train, motivate, and supervise employees.

• A team player, acknowledged as “Total Quality Professional.”

• Develop plan, conduct audits, sales and variance analyses and meet company goals and objectives

Employment:

Pacific Union, Farmers Branch,TX Jan- 2014- Aug-2015

Collection/Loan Modification

• Identify transaction which need Underwriter review; package and submit within pre-determined timeframes.

• Maintain close communication with customers, Sales partners and Operations Team Lead to ensure proper and timely fulfillment.

• Receive and complete setup of incoming loan applications.

• Use of fulfillment system as tracking method to record status and customer information

• Facilitate then ordering of payoffs, subordinations go t0 internal and external) and work with third party vendors to obtain Title Commitment

• Issue customer correspondence, Commitment letters, ten day incomplete letters, Re-disclose requirements, TILs and any agency specific documents.

• Record and analyze all incoming information to ensure guideline compliance and evaluate loan.

• Met company objectives and generated additional revenue for company.

• Determine and obtain acceptable methods of documentation and compensating factors when necessary.

• Perform various additional tasks assigned

Review executed closing documents originating from retail, wholesale and Correspondent branches for accuracy

• Ensure compliance with loan program guidelines, underwriting requirements, state and federal lending laws, state and local bond program requirements and investor guidelines.

• Accurately identify all discrepancies

• Review the Truth in Lending, Right of Rescission and HUD-1 for accuracy

• Data entry of all findings and statuses of loan in system application

• Prepare documentation and file for submission to Senior Post Closer, File Management or Resolution Specialist Team

• Correspond with Hazard Insurance Companies

• Work collectively with other departments to submit Investor Files in a timely manner

• Provide Weekly Productivity Report to Post Closing Productivity Supervisor

• Retrieval of loans files from Post Closing File Room or designated personnel

• Correspond with Attorneys and Settlement Agents

• Review and Audit Government loans (FHA, VA, VHDA, and HOC)

• Prepare Government loans for submission

• Process VHDA checks and prepare sundry for Accounting Department

• Maintain a working knowledge of new Bank products and governmental regulator laws

• Deliver loan files in fundable form to different investors prior to the delivery deadline and follow up on any problems until funding occurs.

GreenTree, Arlington, TX Dec-2012-Aug-2014

Collection Representative

• Manage individual accounts at the 30, 60 and 90 day level

• Negotiate payment arrangements with the goal of keeping our borrowers in their homes and foreclosures and repossessions to a minimum

• Keep lines of communication open after payment is received to allow for early intervention and prompt future delinquency

• Utilize all available skip tracing tools to locate our borrowers whose current contact information is inaccurate/

• Achieve production standards set each month to obtain bonus rewards by working account thoroughly and properly according to state and federal guidelines.

• Quickly and effectively solve customer challenges.

MetLife, Irving, TX Sept-2011-Oct-2012

Loan Processor

• Receive and complete setup of incoming loan applications.

• Validate appropriate documentation as required by processing option, DU, or other automated underwriting or evaluation tools.

• Record and analyze all incoming information to ensure guideline compliance and evaluate loan.

• Determine and obtain acceptable methods of documentation and compensating factors when necessary.

• Send written request or make phone calls to customers, attorneys, realtors, and other third- parties to obtain additional information required.

• Use of fulfillment system as tracking method to record status and customer information.

• Make underwriting decision and or recommendations on all loan files within stated lending authorities.

• Identify transaction which need Underwriter review; package and submit within pre-determined timeframes.

• Review and apply new information received regarding investors and underwriting guidelines, company policies, and processing procedures

• Issue customer correspondence, Commitment letters, Ten Day incomplete letters, Re-disclose requirements, TILs and any agency specific documents.

• Maintain close communication with customers, Sales partners and Operations Team Lead to ensure proper and timely fulfillment.

• Facilitate then ordering of payoffs, subordinations 9goth internal and external) and work with third party vendors to obtain Title Commitment.

• Clear all conditions using company approved procedures.

• Perform State High Cost test (if applicable)

• Met established productivity levels and turnaround times as set by nations Operations

• Perform various additional tasks assigned

Citi Finical / Santander Irving, TX Oct -1998-Sept-2011

Sales/Audit Specialist

• Sold and upgraded insurance products to meet customer needs.

• Educated clients on products and benefits

• Audit collateral documents in accordance with investor requirements using internal audit systems.

• Document unmarketable loans on system and refers loan to appropriate team for correction.

• Worked in a high volume, fast-paced environment while maintaining compliance with pre-set deadlines.

• Met company objectives and generated additional revenue for company.

Education

Ennis High School, Ennis Texas

1993

Diploma

References Furnished Upon Request

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