Junior Underwriter/Mortgage Loan Processor

Tandra Holmes-Jackson

Mortgage Processor/Underwriter

Fort Worth, TX 76155

*******@*****.*** - 817-***-****

Dedicated, Hard Working, Detail Oriented, Self-motivated Mortgage Processor/Underwriting Assistant for

Residential Refinance and Purchase Loans with 8+ years of banking/finance experience and 5+ years of

mortgage experience with proven success and passion for community work and volunteer experience.

Authorized to work in the US for any employer

WORK EXPERIENCE

Junior Mortgage Underwriter/Sr Mortgage Loan Processor

Stearns Lending Joint Venture with Home Community Mortgage - Irving, TX - April 2016 to Present

Analyzing and processing builder loans for KB Homes ranging from Conventional, FHA, VA, and USDA,

Signing off on conditions, Reviewing bank statements, tax returns, paystubs, LES’s, COE’s, credit reports,

and uploading USDA files to GUS for credit approval, Closer to the estimated closing date, obtaining signed

builder docs, appraisals, homeowners insurance, final inspections, updated asset and income docs, Reviewing

and updating fees, calculating cash to close needed, making sure sellers credit and earnest money deposit

entered correctly in details of transactions, Processing 101 tasks as listed in my previous processor positions,

Consistent use of Encompass - recently changed to Empower/Orijin program, DU/AUS, LP, Veri-tax, Sam.gov,

LDP, FHA Connection, EAD portal, VA Weblgy Portal, Credco, RealEC, Maintain a pipeline of 30 to 50 loans

Mortgage Loan Processor

Veritex Community Bank - Dallas, TX - March 2015 to April 2016

Responsibilities

Processing loans such as investor, inhouse, construction, cash out and no cash out refinances, and purchases

for multiple loan officers

Preparing loans to go to closing, reviewing RESPA and TIL disclosures, reviewing tax returns, calculating

escrows, homeowners insurance premiums and income

Reviewing appraisals and determining if loan amount needs to be raised or lowered based off of appraisal

value to assure LTV is where it needs to be

Reviewing liabilities against income to make sure DTI is at a qualifying ratio

Reviewing title for previous liens, reviewing credit report for judgements, inquiries, and bankruptcies, ordering

supplements and score updates from the credit bureaus when a borrower pays off or down on an item

Gathering documents such as verification of employments, verification of deposits, tax transcripts, evidence

of insurance, payoff statements, flood determination, titles, appraisals, closing fees, etc

Working closely with the borrower and the mortgage banker to obtain all documents we need to move the

file forward to closing

Calling the borrower for documents needed, receiving and processing payments on earnest money deposits,

calculating closing costs and fees

Accomplishments

The company experienced a loss of employees. I came in processing and moving files to closing the majority

of the files for each month. I've implemented a training guide with step by step directions of a new person

coming in as a processor.

Skills Used

Working with Encompass, DU, LP, Fraudguard, as well as guidelines for different investors.

Mortgage Loan Processor Team Lead

Bank of the West - Omaha, NE - September 2011 to February 2015

Processing loans such as State of California, FHA, and VA primary residence, purchases, second homes, and

investment refinances

Preparing loans to go to closing, reviewing RESPA and TIL disclosures, reviewing tax returns, calculating

escrows, homeowners insurance premiums and income

Handling loans that are complex and are having a difficult time getting approved such as complex tax returns,

high DTIs, investment properties, VA loans

Gathering documents such as verification of employments, verification of deposits, tax transcripts, evidence

of insurance, payoff statements, flood determination, titles, appraisals, closing fees, etc

Working closely with the borrower and the mortgage banker to obtain all documents we need to move the

file forward to closing

Chosen to participate on a special project working with the top difficult loan closings after my first 3 months of

employment, moved 20 to 25 loans per month to closing

One of the 2 people chosen per team to work and process only purchases which required rapid turn around and

consistency, moved 30 to 35 loans per month to closing, including refinances that were already assigned to me

Mortgage Underwriter Assistant

JpMorgan Chase - Jacksonville, FL - July 2009 to August 2011

Assisting borrowers with loan modification process

Answering inbound calls from borrowers needing updated status on their account or the next step in their

process, making outbound calls to touch base with borrowers of what needs to be done to try to assist them

with their loan modification

Providing customers with all of their options in order to try to avoid foreclosure on their homes, documenting

accounts accordingly

Reviewing financial statements (paystubs, bank statements, credit reports, profit & loss statements, tax returns,

etc), explaining the decision (denial or approval)

Vault Teller

Bank of America - Jacksonville, FL - October 2008 to March 2009

Processing deposits for corporations (Walgreens, CVS, Post Office etc), counting money by hand and machine

counter balancing, looking up information such as account number and location when a deposit is out of

balance or missing a deposit slip

Teller

US Bank - Omaha, NE - June 2007 to August 2008

Handle routine financial transactions (deposits, withdrawals, advances, loan payments, merchant transactions,

balancing, etc.), balance and load ATM in lobby and drive-up, organize teller tapes and cash settlement sheets,

processing foreign currency exchange and ensure a positive interaction with customers and non-customers

EDUCATION

Bachelors in Business Administration

Liberty University - Work at Home

2014 to 2017

Associate of Science in Business Administration

Metropolitan Community College - Omaha, NE

PUBLICATIONS

DJAM: Describing Janee's Abounding Manifestation...Life Experiences Shared Through

Poetry

http://www.amazon.com/gp/aw/d/150*******/ref=mp_s_a_1_3?

qid=144*******&sr=8-3&pi=SY200_QL40&keywords=djam&dpPl=1&dpID=4103M0q7OcL&ref=plSrch#productDescription_secondary_September 15, 2014

This book comes to you from the heart and the calling of God's word. This young lady has been through

everything from being molested at 5 years old to having her first child at 19 to falling in and out of love and

seeking it in the wrong places! Enjoy this journey with Janee through the many trials, obstacles, and everything

she has overcame in this life through the grace of God!

ADDITIONAL INFORMATION

Volunteering:

Household of Faith Church (Jacksonville, FL) – Food ministry, Dance ministry, Youth ministry

Butler Gast YMCA (Omaha, NE) – Childcare and front desk clerical assistance, Began first tumbling class for

3 to 6 years old at this location in 2001

Junior Achievements of Nebraska (Omaha, NE) – Teaching It’s My Business/Entrepreneurship class at Lewis

and Clark Middle School during Fall Semester 2012, Teaching Personal Finance at Omaha North High School

during the Spring Semester 2013

Contact this candidate