Terrance Jones

Queen Creek, AZ. ***** (***) ***-*92 ad3ams@r.postjobfree.com

SUMMARY

Experienced, detail-oriented, decision maker with eighteen years of mortgage/lending/managerial experience. Strong analytical and self-motivating skills. Team player with relationship and client services experience. Expedient organizational and diligent problem-solving skills while implementing company policy and guidelines.

EXPERIENCE

OneMain Financial/Tempe, AZ

Sales Representative 12/2022-12/2023

*Initialize and manage relationships with customers. Serve as point of contact and lead to process personal and auto loans. Review, analyze credit reports and expenses, assessing whether the client meets guidelines for loan approval. *Provide appropriate solutions to customer complaints. *Negotiate and make offers before reaching final agreement, building value, and marketing the benefits for the client. *Offer insurance products such as payment protection insurances as well as auto gap insurance, homeowners/auto deductible insurance, and other discounted products.

Loan Depot LLC/Chandler, AZ

Account Manager 12-2019 to 10-2022

*Manage and ensure that brokers and account executives are initiating and processing mortgage loans according to bank policies and federal law. *Review loan data before closing documents are dispensed to ensure compliance is in order. *Actively manage accounts pipeline and provide direction to brokers and processors. *Build and maintain customer base (brokers/realtors) while meeting sales and profit goals. *Work with management to create a sales strategy and collaborate with investors. *Notify clients and solve quality issues that may involve program functionality. *Train Account Executives the industry guidelines by having the ability to navigate program guidelines to obtain necessary information as needed for FHLMC/FNMA/VA/CONVENTIONAL loans.

Bank of America/Chandler, AZ

Home Service Spec III/Processing Underwriter 12-2009 to 12-2019

*Review, analyze, and decision credit reports for approval. *Reviewing and approving income, credit, third party reports, property financials and physical information to determine whether the client and property meet program requirements. *Complete a thorough analysis of the loan files to determine compliance with company, investor on Conventional, FHA/VA guidelines. *Acts as liaison for the client, underwriter, and loan originator. *Responsible for providing clients with updated and periodic information regarding their loan processing. *Fraud analysis review. Review credit card transactions and input data confirming additional review.

Eagle Nationwide Mortgage/Peoria, AZ

Senior Loan Officer 02-2004 to 12-2009

*Meet with clients and prepare a mortgage product best suited for their needs for Conventional/FHA/VA/Construction/Commercial and hard money loans. *Assist Clients with completing technical details of the application, loan disclosures, review files for adherence to underwriting standards- ensuring completeness of submission to processing. *Review and analyze credit reports and applications and confirm lending institutions requirements in order to choose the best lender for the client. *Collect necessary documentation and act as a liaison between origination staff, processing and the underwriting for the client.

EDUCATION

New York State University/Monroe College-Rochester, NY

Associate degree-Psychology 06-1988

Baruch College-New York, NY

Business Management Certificate 06-1996

Training and Skills

*NYSACRA Professional development training sessions cert

*MS Word & Excel*Lotus Notes*Outlook*Empower*LOS*Data Trac*SharePoint*Edge*Adobe*Status Mart*MELLO

*Wholesale and Retail Processing*SCIP-Strategic for Crisis Intervention and Prevention*TRID, RESPA, MDIA, HMDA*

*Data Analysis*Mortgage Disclosure and updated guidelines periodically certs*Interpersonal Communication

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