Stefani Everett

***** ******* ***

Forney, TX ***26

214-***-****

acx9tk@r.postjobfree.com

SKILLS Microsoft Word, Excel, Access, Outlook, Google Docs, Calyx Point, Sarma, PeopleSoft, Internet Explorer, EDGE, Encompass, Lending QB, Docs on Demand, IDS

WORK EXPERIENCE

2/2016 – Present

Outdoor Aspects Royse City, TX

Office Manager

Assists owner with daily administrative duties and sales assistance.

Creates proposals for potential clients and invoices upon completion of projects.

Responsible of accounts payables/receivables.

Initializes appointments with potential clients and maintains the scheduling of projects.

12/2014 – 1/2016

Underwood Law Firm, P.C. Plano, TX

Funder

Assisted large base of Lenders in the Funding of Residential Mortgage Transactions.

Worked closely with many diverse Title companies.

Analyzed confidential loan documentation to make sure all were compliant to the CFPB regulations.

Collected all necessary documents, etc. to satisfy funding conditions.

Issued Funding Approval once complete.

Maintained and exceeded monthly loan closings, fundings, and billing.

12/2012 – 2/2014

Stafford Financial and Insurance Services Dallas, TX

Loan Processor

Supported Mortgage Broker with all loan correspondence and general administrative duties daily.

Liaison between Broker, Borrower and Lender.

Analyzed and prepared qualifying loan applications, income, employment, Credit Reports, Good Faith Estimates and loan programs for potential Borrowers and submitted to Lenders.

Once approved, collected all necessary documents, etc. to satisfy loan approval.

Ordered Appraisals, Title, Surveys, Tax Returns and Credit Reports.

Scheduled Closings between Borrowers, Lenders and Title companies.

Maintained and exceeded monthly loan closings.

Stefani Everett (cont.)

12/2009 – 11/2012; 3/2014- 11/2014 (Seasonal)

Texas Sign Works/Signmart.com Rockwall, TX

Office Manager

Assign and monitor clerical, administrative and secretarial responsibilities and tasks among office staff and ensure office policies and procedures are being adhered to.

Evaluate and manage staff performance and internal staff relations.

Design and implement filing systems and ensure filing systems are maintained and current.

Establish procedures for record keeping and monitor record keeping.

Ensure security and confidentiality of data, as well as handled customer inquiries and complaints.

2/2009 - 11/2009

Bank of America Richardson, TX

Home Service Specialist/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 feasibility.

Send written requests or make phone calls to customers, attorneys, Realtors and other third parties to obtain additional information required.

Make decisions and/or recommendations on loan files within stated lending authorities.

Issue commitment letters, TIL's and agency specific documents.

Maintain close communications with customers and Account Executives to ensure proper and timely processing.

Clear all conditions using company approved procedures.

Gather and prepare information for completion of closing documents, charges and instructions.

Follow up with closing/escrow agent to verify consummation of loss, disbursement of funds and advise of any problems or concerns.

Responsible for pipeline management.

2/2007 – 6/2007

Aurora Loan Services (Contract) Richardson, TX

Mortgage Specialist II

Review file documentation to include income, assets, real estate owned information and fraud detection review for accuracy.

Validate transaction data in the system of record making changes as required.

Perform analysis of liabilities making corrections as needed to credit report debts and liabilities relating to Real Estate Owned.

Analyze Findings Report conditions and messages to accurately enter conditions in the system of record.

For Decision Finder, DU and LP Approve transactions, in addition to the above responsibilities, perform review of appraisal, title, purchase contract and other transactional risk areas as currently defined by procedures.

For Decision Finder Manual and Out of Scope transactions and other DU and LP ratings, perform file documentation review, data validation and liabilities reconciliation, making necessary changes before routing to an Underwriter for final review.

Maintain productivity in accordance with current ROC standards.

In the case of noncompliance, consults with Risk Underwriters or managers to determine if any loan revisions are needed to ensure approval without compromising risk policies.

Interact with customers to obtain missing information to complete the loan transaction.

Stefani Everett (cont.)

9/2004 – 11/2006

Countrywide Home Loans Richardson, TX

Mortgage Underwriter II

Review, exam and underwrite loans to ensure soundness, business value and compliance with Countrywide and Investor standards.

Assess loan attributes and document for soundness and accuracy.

Review, evaluate and synthesize data to ascertain loan viability and identify risk issues and potential fraud.

Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.

Determine and document loan conditions and communicate requirements and/or decisions with AM and BP’s.

Assist in identifying, recommending and/or negotiating alternative loan requirements, funding and/or loan-structuring solutions.

Provide input on new and/or existing Underwriting processes, procedures and/or approaches.

Review, inspect and validate standard Loan Applications for completeness, accuracy and soundness.

Underwrite loans in compliance with internal and regulatory guidelines.

Follow established parameters, rules and practices.

Resolving a variety of problems, questions and/or situations in accordance with established criteria, practices and/or protocol.

EDUCATION

Eastfield College Mesquite, TX

Two years of basics

AFFILIATIONS

Jr. Achievement Local Campaign Coordinator

United Way Team Captain

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