KIMBERLY GREEN

214-***-****

ad2v77@r.postjobfree.com

Summary of Qualifications:

•Excellent knowledge of Mortgage Loan Operations, Underwriting Guidelines, Policy

• Procedures in various Departments

•Proficient in processing FHA/VA/Conventional loans

•Familiar with Automated Underwriting System: DU/LP

•Proficient in meeting deadlines and working in a team environment

Summary of Career History:

Ameritrade Institutional September 2022 to Current

Account Services Representative Independence West

Qualifies and validate paperwork, activates, and maintains advisors accounts

Review and process cash management, transfer request and banking needs the clients may have

Analyze all paperwork received, document and notify clients of pending issues, work closely with clients for resolution, and accurately process requests, as they are resolved

Performing in depth research on issues as well as identify best courses of action to best service the client and protect the firm from liability

Cardinal Financial Remote July 2020 to November 2021

Wholesale Client Advocate

Serve as liaison support for Clients, Sales, and internal operations groups to identify and solve loan level or process related issues.

Apply calm and confidence based problem-solving techniques to successfully address and resolve issues for both internal/external clients to continuously improve processes and provide a competitive advantage through customer intimacy and operational excellence.

Assist Account Executives with client onboarding and ongoing training on Octane Broker Portal, products, and process outline.

Serve as subject matter expert on Cardinal Financial policies, procedures, products, and technology.

Share ideas and best practices for success; serve as a peer mentor when called upon.

Demonstrate a sincere sense of empathy for the client's needs; own problems until they are resolved.

Texana Bank Southlake, TX October 2019 to June 2020

Senior Processor

Collecting and validating borrower mortgage loan document and the corresponding underwriting requirements, verification, analysis and the corresponding data entry into the system of record for loan files.

Requesting and reviewing borrower related documentation and updating the system of record continually to ensure the third-party documents.

Heavy interaction and a high level of customer service and communication with vendors, internal and external customers, including borrowers

The main point of contact for the borrower relating to document needs, status updates, closing coordination, and escalation of issues to ensure the needs of our borrowers are met with a high degree of satisfaction

Senior Mortgage Loan processor - KBHS Home Loans, LLC - June 2017 to October 2019

•Processed FHA, VA, Conventional and USDA loans

•Reviewed file for completeness before submitted file to underwriter

•Analyzed income documents (calculated income), assets (looked for large deposits, reoccurring debt, sufficient cash to close), title

•Maintained customer contact throughout the process

Senior Mortgage Loan Processor – IMortgage - January 2017 to February 2017

•Reviewed new files and gathered income/ asset documents, reviewed the credit report before submitting

•file to the underwriter for an initial review

•Communicated underwriting conditions to the clients, loan officer and or sales manager, once conditions

•had been received, submitted file back to underwriter for final approval

Senior Mortgage Loan Processor – Stearns Lending/Home Community Mortgage - June 2015 to December 2016

•Gathered and reviewed income documents, asset documents, and disclosures in preparing file to be

•reviewed by the underwriter (calculated income/reviewed bank statements looking for large deposits,

•cash to close & reoccurring debts)

•Ordered title, mortgage insurance certificate, appraisal, and any other 3rd party documents if applicable

•Within 48 hours of receipt of a new file, completed welcome call with the client the initial

Senior Mortgage Loan Processor – Recovco Mortgage (contractor role) – March 2015 to May 2015

•Processed various types of loans conventional/FHA/VA and USDA

•Analyzed credit reports, financial statements, tax returns, paystubs, w2’s and 1099 statements

•Reviewed loans for underwriting including clearing underwriting conditions

•Obtained FHA case numbers, CAIVRS, LDP/GSA

•Delivered a high standard of customer service to the brokers and/or loan officer daily

Quality Assurance – Treliant Risk Advisors (contractor role) – February 2014 – December 2014

•Identified areas of improvement, provided feedback about the file to the claim review team to including

•common errors, opportunities for additional coaching/training for individual review of the personal and

•process recommendation

•Ensured all required processes and procedures were followed, system of record notated, documentation

•Available/imaged appropriate borrower communication (verbal & written). Duties performed in

•accordance to internal operating procedures set by the Office of the Comptroller of Currency and the

•Federal Reserves

•Reviewed files in its entirety and provided a recommendation whether any errors, misrepresentations or

•other deficiencies that may be identified in the review resulting in financial injury to the borrower or

•mortgagee

•Analyzed cases with financial harm for confirmation of findings and consistent remediation

Business Control Specialist/Auditor - Bank of America (contractor role) – January 2012 – July 2013

•Examined residential loan documentation for accuracy, completeness, and compliance with appropriate

•company and secondary market investor standards

•Evaluated credit decisions for accuracy based upon established risk parameters in accordance with policy,

•Program, and product guidelines. Provided feedback as appropriate

•Assisted with fraud protection and prevention

•Handled a heavy workload of re-underwriting frontline loans with a 95% accuracy rate

•Verified income information and performed necessary income calculations

•Calculated debt ratios and LTV to ensure met the lenders guidelines

Senior Mortgage Loan Processor –Wachovia/Wells Fargo – March 2008-March 2011

•Processed FHA loans/verified documentation along with subsequent follow up

•Audited files for RESPA and compliance regulations to ensure accurate government reporting

•Ensured the GFE was disclosed to the borrower within 3days per RESPA guidelines

•Analyzed credit reports, financial statements, tax returns, paystubs, w2’s and 1099 statements

•Conducted re-verifications for the 4506T-EZ, VOE’s RMA’s and bank statements when required

•Analyzed appraisals, HUD-1 settlement statement, GFE, TIL, Notes, and loan applications while applying

•Fannie Mae matrices to clear stipulations for file completions

Contact this candidate