Tonia Bowie

216-***-****

ad15sz@r.postjobfree.com

NMLS 2536930

OH License Insurance #1551614

Professional Skills:

Ability to complete loan applications, accurately. Calculate income, determine DTI and LTV.

Ability to clear title, review appraisal, tax returns, HOI, pay stubs and any follow-up docs for approval

Magnificent communication and presentation skills for dealing w

With different types of customers.

More than 20 quality years of experience in mortgage banking - this consisted of handling and

collecting loans.

Remarkable writing skills, which a aa z enhanced the required reports, office correspondence and other

writing assignments.

Proficient in LPS, Softpro, Encompass, Calyx, Empower, DU, LP, Outlook, Excel and various industry

computer applications.

Closing an average of 25 files a month, averaging a pipeline of 40 files or more and as high as 70.

Achieving loan-processing turn-around time of 7 to 12 days.

Ensured all files were complete prior to underwriting hand-off and coordinated with title companies to ensure closings.

Successfully processed some of the most challenging loan applications (i.e., first-time borrowers, self employed

applicants and borrowers with problematic credit histories).

Robert Half

April 2022 -Present

Counsel and advise students in mentor program

Work collaboratively with staff and partnering agencies to create policy and procedures ensuring quality and integrity of mentorship

Weekly visits to various job sites to ensure program expectations from students and worksite supervisor is being followed

Maintain database for purpose of tracking employee and student information

Iconma/Keybank

June 2021- December 2021

Timely processing of commercial monetary transactions

Commercial client support through telephone or written requests

Loan servicing system input, balancing and related research

Perform special instructions and follow up for accurate and timely completion

Source Point/Freedom Mortgage (Remote)

September 2020 - June 2021

Cultivate and maintain a close relationship with all parties involved in the Mortgage transaction

Gather information and take each file from underwriting decision to closing

Obtain borrower documentation once underwriting decision has been obtained

Responsible for keeping borrower informed from the time loan is decision through closing

Set and maintain proper expectation to all parties.

Input proper loan information into the system for processing

Cross Country Mortgage

January 2020-September 2020

Responsible for processing loans from set-up to closing by verifying, compiling and enter borrower information into loan processing systems

Review loan application files to verify that all data is complete and meet standards, including the loan type and purpose

Verify and analyze loan documentation including income, credit, appraisal and title, while maintaining strict compliance with all applicable federal and state regulations.

Record data to track the status of loans in processing

IDC Technologies (Remote -Contract)

Huntington Bank

August 2019-January 2020

Curing issues on the loan file, including compliance, credit and collateral issues.

Reviewing trailing final documents

Obtaining information on outstanding documents, such as title policies, homeowner's insurance, homeowner's association, subordination agreements, COC's and LE's

Prepare re-disclosures within 3 days

Add notes to system to keep them updated

Accounting Clerk

Robert Half

Lendmark Financial (Contract) - Cleveland, OH

July 2018 to August 2019

Applying cash receipts to vendor accounts

Processing billing

Entering invoices into online payments systems

Preparing financial reports

Preparing bank reconciliations and journal entries

Reviewing, coding and processing invoices

Resolving discrepancies with vendors

Working with all departments

Working with spreadsheets, sales and purchase ledgers and journals

Checking to make sure payments, amounts and records are correct

Sorting out incoming and outgoing daily post and answering any queries

Posts financial data to appropriate accounts in an automated accounting system

Loan Processing/Quality Assurance Analyst

Wells Fargo -(Contract) - Charlotte, NC

June 2016 to July 2018

Working with spreadsheets, sales and purchase ledgers and journals

Checking to make sure payments, amounts and records are correct

Sorting out incoming and outgoing daily post and answering any queries

Posts financial data to appropriate accounts in an automated accounting system

Ensures corrective action on exceptions and problems identified and that the required data is input and proper procedures were followed

Ensures identified risks and/or problems are clearly documented and interacts with appropriate parties for timely resolution

HUD Review-Closer/Processor

Loan Processor II (Contract)

U.S. Bank - Cleveland, OH

January 2015– June 2016

Mortgage Loan Reviewer/Loan Processor (contract)

Submitting loans to LP for Freddie Mac and DU for Fannie Mae to obtain loan approval.

Review of Consumer Direct and Harp loans for accuracy and completeness. Data entry of loan

application into the Mortgage ware system.

Strong customer service with title companies, insurance agents and customers to request specified

documents to clear loan for approval.

Clear and sign off on conditions prior to underwritings final approval while monitoring loans to ensure

in compliance with all State and Federal regulation.

Title Curative, closing and post-closing in a timely manner to include but not limited to: audit title

commitment, clearing vesting issues, removing judgments, order subordination agreements, releases

and title issues. Ordered Payoffs.

HUD Review-Closer/Processor

Express Pros Temporary Service

Wells Fargo (Fort Mills)

Loss Mitigation Specialist (Contract)

August 2012 – December 2014

Efficient review of modification mortgage files ensuring all documentation received met expectations

necessary for closing

Performed accurate and complete data entry into the loss mitigation system

Communicated status of modification requests within my pipeline to affected parties

Timely follow-up of outstanding items and confirmation of modifications moving forward

.

Processing Manager/Sales Assistant

Secured Funding - Kennesaw, GA

Crescent Mortgage/HUD Pemco

Loan Processor (contract)

October 2009 to August 2012

Ordered and reviewed credit reports, paystubs, validate debts, and other real estate owned.

Prepare approved loans for closing and coordinate closings with lender, borrower, and title

companies.

Work well under pressure to meet multiple deadlines and provide excellent customer service.

Excelled in processing pipeline of 60 loans and closing over 20-25 loans monthly ensuring duties in

timely and accurate manner in accordance with company guidelines.

Reviewed HUD settlement statements according to RESPA guidelines.

Audit loan

Education

Bachelor's Degree

Southern New Hampshire University Will achieve 2020

Associates

Sawyer Business College Graduate

Diploma

West Technical High School Graduated

Contact this candidate