Vickie Armour

Mortgage Professional

Indianapolis, IN 46235

ad0vy2@r.postjobfree.com

972-***-****

Mortgage/Banking Professional with over 15 years of experience

Customer Service, Collections, and Mortgage (Customer Service, Collections, Loan Processing, and Mortgage Closing)

Self-Starting, goal orientated strategist with confidence and perseverance to promote success

Highly adaptable in high pressure environments

Skilled at organizing complex projects, defining project priorities and delegating tasks

Custom Highly adaptable in high pressure environments

Strong problem resolution skills

Proficient in Microsoft applications including Word, Excel, PowerPoint and Outlook

Customer Service driven, detailed oriented with excellent verbal and written communication skills.

Strong background in Mortgage industry

Authorized to work in the US for any employer

Work Experience

Mortgage Closer

Forum Credit Union – Fishers IN

June 2017 to Present

Currently I am a Mortgage Closer at Forum Credit Union. I am responsible for the following:

Prepare and review all closing documents to meet industry compliance standards. Conventional, FHA, VA, Hybrid, Trusts.

Update all systems with required data and manage the closing calendar effectively.

Contact members, sellers, agents and brokers to gather additional information and communicate details of transaction.

Communicate effectively and efficiently with Title Companies to coordinate and complete transaction.

Calculate pro-rated balances on mortgages, taxes, interest, and confirm closing costs and escrow items.

Review Loan Estimates and Closing Disclosures for accuracy and compliance.

Disburse funds accurately and efficiently.

Review closed loan files for accuracy and follow up on missing closed files.

Mortgage Loan Processor

Union Savings Bank - Indianapolis, IN

October 2016 to June 2017

I was responsible for the timely and accurate processing of mortgage loan files.

I ensured the files met bank and regulatory guidelines.

I evaluated information supplied on the mortgage loan application and ensured the accuracy of all documents.

I responded to inquiries and resolved problems that arose.

I obtained missing documents required to complete the loan file.

Loan Audit Specialist

Freedom Mortgage Corporation - Fishers, IN

January 2016 to October 2016

Was responsible for putting together submission packages for FHA/VA loans.

Updated Lakewood daily for all loans reviewed by the auditors

Passed all FHA loans to FHA Connection Specialist daily.

Ensured reviews by second auditor for any loan that must be pended for an outstanding condition to validate that the condition was required.

I was responsible for different branches and tracked all pending loans for those branches.

Updated Lakewood (Freedom main system) to show what conditions are needed from the branch.

When outstanding conditions were received, submitted loans and updated Lakewood to show the loan as submitted.

Prepared and submitted productivity reports to supervisor daily.

Disclosure Desk Analyst

Stonegate Mortgage Corporation – Indianapolis, IN

June 2015 to October 2015

Managed a pipeline of newly originated loans from application to disclosures received.

Prepared initial disclosures and subsequent disclosures for borrowers review and monitored for compliance and follow up.

Reviewed disclosure prior to electronic disbursement to borrower to ensure accuracy and federal compliance.

Acted as liaison following up with all parties as necessary.

Provided highest level of customer service in all interactions with clients.

Offered the highest level of customer service to clients.

Prepared and sent adverse action notices in compliance with federal law to prospective borrowers as necessary.

Correspondent Quality Assurance Analyst

Stonegate Mortgage Corporation – Indianapolis, IN

June 2014 to June 2015

Reviewed closed loan packages (both credit and closing) to determine that files have been originated, underwritten, and closed in compliance with federal regulations, agency guidelines.

Effectively communicated any deficiencies to the correspondent for necessary corrections.

Default Counsellor

Stonegate Mortgage Corporation - Indianapolis

January 2013 to June 2014

Contacted borrowers regarding delinquencies, accepted payments, and set up repayment plans for a mutually agreeable solution.

Effectively communicated and help implement any loss mitigation options available.

Maintained compliance with all federal, state, agency and internal collection regulations and guidelines.

Education

Associate of Applied Science in Applied Science

Lamar State College - Port Arthur, TX

Skills

•Mortgage

•Banking

•Customer Service (15+ years)

Additional Information

•Mortgage/Banking/Customer Service Professional with over 20+ years of experience.

•Customer Service, Collections, and Mortgage (Customer Service, Collections, Loan Processing, and Mortgage Closing)

•Self-Starting, goal orientated strategist with confidence and perseverance to promote success

•Skilled at organizing complex projects, defining project priorities and delegating tasks

•Customer Service driven, detailed oriented with excellent verbal and written communication skills.

•Highly adaptable in high pressure environments

•Strong problem resolution skills

•Proficient in Microsoft applications including Word, Excel, PowerPoint and Outlook.

Strong Knowledge in Mortgage Flex, Ulti Pro, Kronos, Cornerstone, Adobe Sign, Docuprep, Share File. Intermediate knowledge of Fiserv and Nautilus.

Contact this candidate