Clarissa Carter

*** ** ****** ****

Bessemer City, NC 28016

Contact method: 704-***-****

Email: ad2km9@r.postjobfree.com

MORTGAGE LOAN SERVICING SPECIALIST

Mortgage Software programs PCL Lender, Encompass, FileNet, Fidelity, CRM TOOL, SLOAD, LOANIQ, EDR, DocuSign Management system, First American document system

Managed Loan Types Conforming & Nonconforming Loans, FRMs, ARMs, GPMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA Rural Development Loans

Professional Experiences

Community Specialized Services INC. Respite Rapid Response provider 2/2023 currently.

Responsibilities Aid and facilitate higher functioning patients to reach their fullest potential while managing behavioral episodes as needed. Assist with medication, ADLs, and recreational activities within the home, Provide emotional and physical support to caregivers of children with autism.

Utilize active participation in recreational activities to maximize communication skills in clients with autism.

Provide caring companionship to developmentally disabled/elderly residents.

Possess CPI training and apply behavioral principles in all interactions with clients.

Thompson Family Services Therapeutic Foster Parent 7/2022 2/2023

Provide families and children with resources to grow, learn new skills, and support one another, providing services for children removed from their homes due to abuse, neglect domestic violence, and behavioral and social traumas.

Signature Consultants Post Closing Loan Specialist 6/2022- (Contract)

Perfect tracking and clearing collateral and documentation exceptions, UCC continuations, and monitoring various types of Hazard Insurance renewals.

Monitors collateral/documentation exception reports for the receipt of trailing loan documentation.

Monitors system of record ticklers for upcoming expirations of hazard insurance policies

Make telephone contact with Insurance Agents requesting the renewed hazard insurance policies.

Monitors system of record ticklers for upcoming expiration of UCC's

Processes the UCC3 continuations via the bank's vendor.

First-Citizens Bank Client Associate 10/2021- 5/2022

Handle requests from Clients and business partners pertaining to account administration. Assist with the preparation of account paperwork and check pending account maintenance items. Maintain prospect and current client information in all existing databases and maintain calendars for financial advisors.

Movement Mortgage Loan Processor II (Remote) Indian Land, SC 11/2020-9/2021

Provide and maintain a pipeline to support loan officers and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages.

Review and verify borrowers' income, credit reports, employment histories, property appraisals, and title insurance information to prepare loan applications for underwriting submittal.

Hire Genetics Loan Processor (Remote) Duluth, GA 1/2020 10/2020

Inputs loan information into LOS (Loan Origination System) and FNMA D/U. Reviews and evaluates DU findings, credit reports, preliminary title reports, flood certifications, appraisals, and income and asset documentation prior to forwarding the file to the underwriter for final approval.

Orders 3 rd. party reports and validates information as required by the loan process.

Pre-qualifies customers to include discussing, rates, terms, and/or financing options.

Cardinal Financial Loan Document Specialist 1/2019 8/2019 Charlotte, NC

Manage borrower document intake, scanning, and parsing of loan documents, document analysis, and accurate data input into the loan system of record and file for storage Collected and prepared documents for closing and coordinated review processes for errors after entering closing data entry.

Wells Fargo Charlotte, N.C. 7/2017- 11/2018 Financial Analyst (Contract)

Assisted development team in developing project financial evaluations on all credit financial models, attributed for new and closing project investments prior to submission to final senior management for approvals.

Built financial models for Investor clients, negotiated closing transactions pursued funding portfolios adhering to State and federal government policies and procedures.

Wells Fargo, Charlotte, N.C. Loan Document Specialist 4/2016 5/2017 (Contract)

Monitored accounts for compliance, documentation exceptions, data quality, maintenance of files and systems, invoicing of fees to minimize operational and system risk evaluating operating processes and controls for potential risks and enhancement opportunities Lead client service projects and coordinated organizational improvements for support teams for company efficiencies, Analyzed and resolves complex customer service, operational, and/or systems-related issues.

Ran financial reports for structured loans to assist in designing new investment structures, vetting various markets, working with investors and banks for funding matured loans evaluating business growth by establishing Investor pre-funding credit checks for complex housing, new market developments, and matured structured loan approvals.

BANK OF AMERICA -Charlotte, NC Case Relationship Manager III 6/2012 -2/2016

served as a Single point of contact reviewing and verifying borrowers’ income, credit reports, employment histories, property appraisals, and title insurance information to prepare loan applications for underwriting submittal.

Single point of contact in Origination and post-closing departments to ensure loan documentation accuracy and quality assurance.

Process challenged loan applicants, Interpret, and analyze complex tax returns and financial documents for the initial credit decision.

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

Wells Fargo Operations Foreclosure Processor 2/2001-9/2004

Monitored foreclosure timeline and processed files in the default pre-foreclosure process to ensure regulatory compliance and referrals due for accuracy based on state and governmental requirements.

Collaborated with attorneys and mortgage insurance companies from beginning to end of the foreclosure sale, provided bidding sale instructions to attorneys and third parties for document and lien review, inspection reports, appraisals, and insurance policy discrepancies.

Education

University of Arizona Global Campus- Business Organization BA Degree 6/2023

University of Arizona Global Campus Master of Psychology Degree projected graduation date 2024

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