TS Tanya Sharkey

McDonough, GA ***** 630-***-**** ad19f5@r.postjobfree.com

PROFESSIONAL

SUMMARY

Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. SKILLS Excel

Word

Access

PowerPoint

Outlook

Quick books

DU/LP

Audit Coordination

Root Cause Analysis

Compliance Standards

Deficiency Documentation

Audit Reporting

WORK HISTORY QA PREFUNDING AUDITOR 01/2021 to 10/2023 Supreme Lending Mortgage

Request and receive all file re-verifications in applicable post-close audits Request and receive 'Review Credit Report' on applicable post-close audits Request and receive 'Appraisal Field Review' from vendor when required Set-up audit 'Workgroup' for auditors, assign and monitor Extract Reports from Audit Software for QC Manager Receive, fulfill and track file requests from various Agencies Receive, fulfill and track missing document requests from various Agencies Extract reports from Neighborhood Watch for QC Manager Monitor QC Post-Close email

Maintains professional image and adheres to standards consistent with company policies and procedures

Other duties as assigned.

Scheduled and executed hundreds of yearly audits

CONSUMER LENDING SPECIALIST 10/2015 to 12/2020

BMO Harris Bank

Reviewing new home equity line and loan product for credit, income and combined loan to value review

Reviewing application and contact applicant to review product and annual percentage rate.

Serve as second level review for potential denied application for options of restructuring to obtain approvals, if possible

Review approved applications for potential restructuring options to offer monthly savings or rate reduction benefit for applicant Coordinate closings once application has been final approved. HOME SERVICES SPECIALIST II (MORTGAGE LOAN 04/2012 to 10/2015 PROCESSOR)

Bank of America

Reviews loan files for completeness

Responsible for processing loans approved by Underwriter or automated system

Clearing conditions and issuing changes to terms on previously approved loan

Resolve routine title issues including: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens conveyances Maintain high level of customer service by being proactive in communication with customers

Meet deadline dates with customer and sales force in closing process of t loan.

SENIOR LOAN PROCESSOR 10/2011 to 04/2012

JP Morgan Chase Bank

Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants

Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues

Prepared documents for underwriting by verifying client income, credit reports, and other information

Handled any conditions sent from underwriting departments Coordinated closing process with attorneys, title companies, and government clerks

Provided quick turnaround times to maintain fast-past schedule Evaluated approvals against established bank and government lending standards

Reviewed financial statements and contacted institutions and customers to clarify details

Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork

Analyzed credit reports to determine eligibility of applicants and capacity for loan products

Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information Utilized loan origination software to process and track loan applications Developed and maintained relationships with customers and loan officers to establish smooth loan process

Set up and completed loan submission packages

Advised loan officers to comply with loan guidelines and apply best practices

Processed loans within various departments to achieve timely, accurate, and fair proceedings

Collaborated with loan officers to develop strategies for managing loan application processing

Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws

Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants

Reviewed and validated details of loan applications and closing documentation

Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations

MORTGAGE UNDERWRITER 08/2003 to 06/2009

H.S.B. C.

Reviewed pre-qualified mortgage applicants for credit worthiness Deductions, tax Distribution Direct

Gathered and documented credit and income information Reviewed credit report past and current credit history Adjusted loans to meet certain restrictions including DIR, LTV's etc Work with ADP PCPW systems

Finalized decision- prepared completed file for closing and funding Reviewed appraisals and titles to meet Police and Compliance Guidelines Comply with Federal and State Regulation

Verified real estate tax and insurance information Serviced different branches operations.

EDUCATION Some College (No Degree) Human Resources Management Grand Canyon High School, Grand Canyon, AZ

Proven success in the following job competencies:

Problem Solving/Decision Making

Presentation Skills

Oral and Written Communication

Analysis and Interpretation

Teamwork

Adaptability

Results Orientation

Project Management

Leadership

Think out the Box.

Member of Zeta Phi Beta Sorority Inc.

Cosmetology License 01/2011

Regency Beauty Institute, Minneapolis, MN

PROFESSIONAL

EMPLOYMENT

QA Prefunding Auditor, Supreme Lending Mortgage, Dallas, TX, 01/2021, 10/2023, Request and receive all file re-verifications in applicable post-close audits., Request and receive "Review Credit Report" on applicable post-close audits., Request and receive "Appraisal Field Review" from vendor when required., Set-up audit "Workgroup" for auditors, assign and monitor., Extract Reports from Audit Software for QC Manager, Receive, fulfill and track file requests from various Agencies., Receive, fulfill and track missing document requests from various Agencies., Extract reports from Neighborhood Watch for QC Manager., Monitor QC Post-Close email., Maintains a professional image and adheres to standards consistent with company policies and procedures., Other duties as assigned.

Consumer Lending Specialist, BMO Harris Bank, Naperville, IL, 10/2015, 12/2020, Reviewing new home equity line and loan product for credit, income and combined loan to value review., Reviewing application and contact applicant to review product and Apr., Serve as second level review for potential denied application for options of restructuring to obtain an approval, if possible., Review approved applications for potential restructuring options to offer monthly savings or rate reduction benefit for the applicant., Coordinate closings once the application has been final approved.

Home Services Specialist II (Mortgage Loan Processor), Bank of America, 04/2012, 10/2015, Reviews loan files for completeness., Responsible for processing loans approved by an Underwriter or an automated system, Clearing conditions and issuing changes to the terms on previously approved loan, Resolve routine title issues including: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances;, Maintain a high level of customer service by being proactive in communication with customers, Meet deadline dates with customer and sales force in the closing process of the loan. Senior Loan Processor, JP Morgan Chase Bank, 10/2011, 04/2012, Reviews loan files for completeness., Works closely with mortgage loan officers and loan origination sources to gather and prepare all documents needed to satisfy underwriting requirements., Sends out requests and keeps interested parties advised as to the status of loan applications., Coordinates the request of additional information required from customers., Validates documentation for data integrity based on automated underwriting recommendations., Prepares and submits the underwriting packages., Reviews the pipeline management reports and loan origination system for adherence to scheduling requirements., Communicates any scheduling issues or concerns with managers or mortgage loan officers Mortgage Underwriter, H.S.B. C., Elmhurst, IL, 08/2003, 06/2009, Reviewed pre-qualified mortgage applicants for credit worthiness. Deductions, tax Distribution Direct., Gathered and documented credit and income information., Reviewed CBR's, FICOS'S, IBK'S, past and current credit history., Adjusted loans to meet certain restrictions including DIR, LTV's etc. Work with ADP PCPW systems., Finalized decision- prepared the completed file for closing and funding., Reviewed appraisals and titles to meet Police and Compliance Guidelines, Comply with Federal and State Regulation., Verified real estate tax and insurance information., Serviced different branches operations.

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