TERESA BAIN

Las Vegas, NV ad2b3j@r.postjobfree.com 972-***-****

EDUCATION

FHA DE CHUMS (W440) 1997 and VA LAPP SAR (010410) 2001

Training Cert.: New Hire, Benefits, Systems, L & D, On Boarding, Leadership, Originations, Ops, etc.

Enrolled Vegas PBS – Business Operations Specialist Course (200 hours) April2023

Nevada Notary Public 3/31/2023

CPR/AED: Adult, Child, Infant + Standard First Aid (BLS) 2/20/2023

SKILLS AND STRENGTHS

Leadership Ops Manager

Pre and Post Closing Compliance/QC/QA Auditor

Senior Mortgage Loan Processor

Corporate Senior Trainer/Mgr.

Senior Underwriter/Analyst

Closer/Funder

Customer Service AVP Admin

AVP Performance Risk Management/Ops Mgr.

Underwriting Supervisor

Consultant/BA/PMA

Mentor/Coach

Tech and Ap Savvy

Excellent Communication Skills

Strong Time management

WORK EXPERIENCE

Amerinat – Las Vegas, NV (Temp Job with Ottimo)

Processing and Underwriting Associate II/Lead Supervisor 5/11/2023 - current

Review submitted application material against checklist of requirements. Determine reasonableness of information provided. Making decisions on the sufficiency and accuracy of information provided in an underwriting’s submission

Report missing, incomplete, or inaccurate documentation through automated systems.

Communicate with applicants via email/text/phone regarding additional information needed.

Examine/review credit underwriting documentation, including applicant supplied financial information, notes, deeds, tax returns, bank statements, credit report and pay stubs, and perform analysis to assess compliance with income limitations. This may include debt/income ratio calculations and monthly household net cash flow.

Review business income reported, if any, and calculate annual income based on Schedule C information.

Analyze past due loan payments and determine allowable payments based upon parameters of program guidelines (i.e., maximum debt to income ratios allowed)

Review applicant information regarding homeownership status, type of applicant, property type, household size, etc. for compliance with client-defined guidelines.

Review externally provided reports for specifically defined red-flag factors (i.e., active bankruptcy status).

Communicate effectively with coworkers on file status and program requirements.

Assist supervisory staff by helping address coworker questions.

Assist supervisory staff with training coworkers.

Deliver exceptional service to external and internal customers.

Adhere to established timelines.

Decision files that are assigned to the Associate.

Premier Mortgage Resources – Remote (Laid off) Las Vegas, NV

Corporate Sr Loan Processor III (Using UW/Closing/Managing/Training) 6/2020 – 8/2022

Branch Training Manager and Ops Manager

•Processed all loan products per Investor/Lender guidelines (CONV, FHA, VA, USDA, BOND, JUMBO, 2nd Liens/SFR, CONDO, MANF, New Construction, Purchase, Refinance/Primary, Secondary, Investment, HELOC, Piggy Back, etc.) Loan review of credit, income, assets, property, title, tax, insurance, disclosures, LE and CD building relationship with borrowers, Real Estate Agents, Loan officer, Underwriter, Appraiser, Title/Escrow and Closer for Retail and designated Broker delegated and non-delegated loans

•Developed and established quality assurance standards and measures for all loans received from Loan officer by creating and delivering one on one training for onboarding within the Branch supporting and provided areas of improvement/mentoring/coaching and continue support to have loan ready for a smooth handoff to process the loan.

•Applied my analytical and problem-solving skills while processing the loan using my underwriting, closing and post-closing/compliance background to help validate a clean and smooth loan purchase.

•Worked closely with the mortgage loan officer, client, management, all corporate departments, and B2B contacts for a smooth and timely process with over-the-top customer service and exceeding mo./yr. goals.

•I was noticed for getting team members to communicate more efficiently. I developed a reputation of being a great leader, thanks to my collaboration skills. I can successfully aid applicants in navigating the mortgage lending process and assisting in determining the best mortgage type based on their own unique situation. from start to finish from simple to complex being able to break it down in simplest terms putting together an effective response to an issue staying calm and focused with confidence, excellent customer service, quality, and integrity providing several options to resolve the items in question smoothly and with top priority.

•In my performance review, my manager pointed out how impressed he was by my ability to lead and stay on top of multiple projects, loans, and team deadlines. Many of the senior leaders advocated for my promotion for the Ops and Training Manager with Branch (not Corporate). Assigned workflow and ensured completion. Created/prepared and provided guidance/training material with student manual, facilitator manual, job aids for on-boarding, continued education and career enhancement for all sales and operations roles within Branch. Updated Branch Loan Flow and created all Roles and Responsibilities by identifying trends, gaps, and errors. Conducted quality control reviews of team member work.

Axia Home Loans - Hybrid Las Vegas, NV

Sr Loan Processor II (Using UW/Closing background) 2017 - 2020

Team success was accomplished by using my prior manufactured and home assistance programs knowledge that increased the loan quality and quantity 30% superseding the team monthly goal.

Pacific Union Financial – (Office closed) Henderson, NV

Processor II (Using UW Background) 2016 - 2017

Demonstrated success of pipeline management with simple to complex loans with top quality and quantity

*Move to Nevada and worked in Fitness for 2 years

Nationstar Mortgage Lewisville, TX

AVP Performance Risk Management Operations/Sr Trainer 2009 – 2014

Quality Control/Compliance and Business Analyst/Project Manager Assistant

Promoted gradually during my time with the company and held a total of 4 roles: Sr Underwriter $650,000/FHA/VA/Bonds/USDA, Sr Training Specialist for Originations and Operations, AVP Performance Risk Management Operations Specialist, and Quality Control/Compliance Analyst

oAVP Performance Risk Management - Decreased Corporate Underwriting Risk deficiency from 35% to 15% through development, facilitation, and administration of learning and development programs such as, but not limited to: CFPB, FHA 101, FHA Processing Certification, FHA UW Certification, High Risk Loan Certification, Fannie and Freddie Continuing Education, VA UW, and USDA UW through weekly calls, monthly Ask UW calls, and constant training monthly via ILT or Virtual for all divisions ( Consumer Direct, Wholesale, Retail, Builder, and Correspondent Channels). Travel/Remote 80%

oBusiness Analyst/Project Manager Assistant - Design, development, implementation and preparation of multi-department reporting, workflow with effective systems solutions to automate and/or optimize current processes and increase efficiency and capacity

oQuality Control/Quality Assurance/Auditor/Compliance - Assisted with the development and delivery of employee training and testing materials to ensure consistent implementation of company policies and procedures. Provided support to internal quality control, complaint response and compliance testing teams Organize and implement additional special projects, as necessary. Working knowledge of the regulations set forth by the CFPB Familiarity with RESPA-Reg X, TILA-Reg Z, ECOA-Reg B, HMDA-Reg C, TRID, FDCPA, TCPA, FCRA, UDAAP and related state laws Experience in performing and/or participating in detailed technical assessments in direct support of major compliance efforts. Demonstrated ability to build strong working relationships across numerous business units and stakeholders

oFinance – Mortgage Lending researcher, developer, and evaluator of programs, policies and procedure, workflow, and organization to create or revise programs, methods, or procedures

Complete internal quality assurance loan reviews to ensure internal staff is following Pre and Post Closing quality control policies and procedures to validate loan will be purchased (Validated loan program, borrower eligibility, credit report liabilities, income, assets, title commitments, hazard and flood insurance, HOA, PUD, Appraisal, Loan fee disclosures/CD/HUD-1) closing documents, POAs, NBS, HMDA)

Identified all red flags and addressed accordingly with internal staff

Review Application/Disclosures/Credit/Income/Assets/Property/Title/Tax Insurance to validate accuracy and conforms to loan product and program guidelines

Ability to work closely with others in a team environment and be able to establish positive working relationships with coworkers, departments, and business management partners (Risk Management, IT, Operations, Sale, Marketing, Legal, Compliance, and Audit)

Ability to formulate and communicate technical and complex concepts to both technical and non-technical audiences in a clear and effective manner

Utilized my knowledge and skills of all job levels to create or utilize database reports to maintain and improve operational efficient, customer service and data integrity by writing and updating procedures, overseeing implantation and training for all projects

Wells Fargo/Wachovia/JP Morgan Chase/Countrywide Dallas, TX

Customer Service Rep and AVP Admin/Loan Officer/Loan Processor/Underwriter/Closer 1993-2009

Gradual career enhancement during my time with the companies holding a total of 4 major roles in Retail/Wholesale/Correspondent/Broker channels working all loan types and programs

Customer Service AVP Administrator for Customer Service Department responsible for establishing guidelines, procedures, and processes to increase efficiency and quality control in relation to client and borrower mortgage loan servicing satisfaction.

Answered incoming calls pertaining to mortgage payments, taxes, insurance, HOA, mortgage assistance, and re-analyzing escrow accounts

Mentored and coached staff through one-on-one training setting short term and long-term goals and providing feedback

Monitored the incoming call queue, policies, procedures, and processes to ensure ongoing compliance

Coordinated with other departments (payment processing, escrow, Local origination branches, short sale, etc.) to research and address and resolve related servicing issues

Contact this candidate