TARRA K. JOHNSON

** ****** **** ** #****

Orange Park, FL 32065

904-***-****(Cell) ~ Email: ad3drf@r.postjobfree.com

PROFESSIONAL SUMMARY

Results oriented professional who consistently displays the ability to meet and exceed monthly objectives while ensuring quality and compliance guidelines are met. Committed to outstanding customer service. Strong team player with the ability to coach and mentor peers and new team members. Regularly solicited for special initiatives and assistance in critical situations. EMPLOYMENT

Navy Federal Credit Union July 2021 – Sept 2023

Processor II-Remote Position

• Managed a pipeline of 10-30 VA, and Conventional purchase loans per month

• Reviewed and evaluated information on mortgage loan documents to determine if buyer, property, and loan conditions meet Credit Union and government standards

• Performed timely reviews of submitted conditions and loan re-submissions

• Specialized in Self Employed members

• Verified and evaluated loan documentation such as debt-to-income ratios, credit reports, credit history, income sources, and property documents to prepare and submit detailed loan applications to underwriting.

• Strong verbal and written communication skills

• Excellent organizational skills including time management and the ability to multi-task in a face paced environment

• Sustained production performance with excellent loan quality

• Adapts well to change by projecting a positive attitude Homebridge Financial June 2020-May 2021

Processor-Remote Position

• Manages a pipeline of an average of 30-60 purchase, Refinance, FHA, VA, Renovation, and USDA loans per month.

• Outstanding customer service skills and client communications; proactive in communicating critical issues to clients, loan officers, and other business partners and interested parties to the transaction.

• Strong verbal and written communication skills displaying the ability to take complex situations and deliver the message at a customer level.

• Excellent organizational skills including time management and the ability to multi-task in a fast paced environment

• Out of the box thinker in evaluating & applying policies and procedural practices; effective problem solver and strong decision making skills

• Sustained production performance with excellent loan quality level

• Proactive team player bringing groups together while still maintaining the ability to work independently.

• Adapts well and embraces change by projecting a positive attitude.

• Review and analyze income, asset, and collateral documentation based on product offerings and credit authority Bank of America, Jacksonville, FL June 2016-June 2020 Home Services Specialist III

• Manages a portfolio of an average of 30-60 refinance and purchase loans per month for high net worth customers

• Outstanding customer service skills and client communications; proactive in communicating critical issues to clients, loan officers, and other business partners and interested parties to the transaction.

• Strong verbal and written communication skills displaying the ability to take complex situations and deliver the message at a customer level.

• Excellent organizational skills including time management and the ability to multi-task in a fast paced environment

• Out of the box thinker in evaluating & applying policies and procedural practices; effective problem solver and strong decision making skills

• Proactive team player bringing groups together while still maintaining the ability to work independently

• Sustained production performance with excellent loan quality level

• Proactive team player bringing groups together while still maintaining the ability to work independently.

• Adapts well and embraces change by projecting a positive attitude.

• Review and analyze income, asset, and collateral documentation based on product offerings and credit authority.

• SAFE Act Registered

Everbank (TIAA Bank), Jacksonville, FL April 2015 – June 2016 Processor III

• Evaluate documentation presented for consideration in supporting lending requests.

• Directed communicated as necessary with 3

rd

party referral sources, keeping them apprised of status and requirements

• Determine if any additional documentation is needed and communicate with client to obtain what is needed to fulfill their request for lending.

• Prepare presentation of documentation for final review & approval by lending authority; communicate lending decisions and collect any further requests.

• Ability to make rational risk based decisions with regards to underwriting and processing determinations

• Consistently handle excessive volumes in peak periods while keeping all parties informed and paying particular attention to meet their the legal agreements.

• Specialized in Conventional, USDA, FHA, VA, Bond, H2H and DPA Products Bank of America, Jacksonville, FL August 2012 - April 2015 Modifications Underwriter

• Review and evaluate requests for loan modification analyzing financials, assets & collateral materials to support the consumer request for modified terms of existing debt. Determined borrower’s hardship & present proper resolution.

• Communicate lending decisions; ensuring these decisions are communicated both verbally & in written documentation.

• Developed expertise in principle practices and regulations as the markets continued to dictate continual change during this economic period

• Maintain all databases, workflows, and systems while gaining both corporate & investor acceptance

• Results oriented professional - complying with measurable standards in areas of customer satisfaction, speed, and efficiency while maintaining quality standards Proficiency Coach June 2013-2015

• Worked in concert with senior leadership to identify areas of opportunity to drive targeted results.

• Worked directly with individual frontline associates to build their professional proficiency beyond standard skills acquired through basic training

• Prepared and organized demonstrations and activities to ensure all planned topics were addressed

• Collaborated with the management team to design successful action plans that improve overall performance

• Conducted file and call audits to ensure progress was being made

• Responsible for improvements in associate confidence and speed to proficiency

• Helped to build and foster development plans for site associates goals Home Services Specialist II August 2012- June 2013

• Reviewed and approved income, asset, and collateral documentation based on guidelines

• Consistently handled 100-150% of expected caseload

• Works well under pressure and in stressful situations

• Excellent organizational skills including time management and the ability to multi-task in a fast paced environment

• Out of the box thinker in evaluating & applying policies and procedural practices; effective problem solver and strong decision making skills

• Proactive team player bringing groups together while still maintaining the ability to work independently

• Sustained production performance with excellent loan quality level

• Proactive team player bringing groups together while still maintaining the ability to work independently.

• Adapts well and embraces change by projecting a positive attitude. JP Morgan Chase Bank, Jacksonville, FL August 2011- August 2012 Customer Assistance Specialist

• Respond to customer inquiries regarding mortgage defaults and loss mitigation options

• Responsible for managing the customer experience throughout the modification process

• Provides clear, consistent communication to customers to expedite the process of achieving an Affordable solution to their mortgage issue

• Communicates lender and investor specific documentation requirements with customer

• Prioritize and manage a pipeline of 50+ modifications

• Oversees customers trial plan adherence and completion

• Efficiently reviews all items required by underwriting to ensure accuracy and compliance

• Requests additional documentation as needed from customer

• Reviews and perfects all documents provided by customer ensuring completeness and accuracy

• High level of detail and quality to avoid delays in the decision process Education

Edward H. White High School Graduate, Jacksonville, FL Florida Community College of Jacksonville

Personal Development

Florida Community College of Jacksonville:

Mortgage Lending; Human Behavior; Financial Counseling

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