Tracy Bolwell

** ******** ** #**** ****** Beach FL 33483 • 561-***-****) • ad3syt@r.postjobfree.com

Professional Summary

Experienced Post close auditor and Senior Mortgage Processor with over 20 years of experience. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvement. Excellent communication and interpersonal skills.

Skills

● Closing, credit, forms, hiring, insurance,

● Mortgage broker Collaboration control

● Quality Control

● Residential mortgage lending regulations

Work History

Remote Mortgage Processor, 09/2022 to Present

RCC Funding Inc. - Davie Fl

●Receives loans from loan officer’s

●Enters data into Calyx

●Orders credit supplements, title work, insurance etc.

●Contacts borrowers for needed conditions per different lenders guidelines

●Clears file, updates closing cost fees, schedules closings

●Reviews files for accuracy, reruns DU and LP when necessary

Auditor. Ready to report 06/2020 to 9/2022

Canopy Financial Technology Partners, from home

● Performed quality control reviews of mortgage loans

● Final eyes on file for quality control on buy-pre and post closing files

Senior Mortgage Processor, 02/2020 to 06/2020

AmeriBest Mortgage, Satellite Beach, FL

● Receive loans from loan officer’s

● Entered data into Calyx

● Ordered credit supplements, title work, insurance etc.

● Contacted borrowers for needed conditions per different lender guidelines ● Cleared file, updated all closing cost fees, scheduled closings

● Reviewed files for accuracy, reran DU and LP when necessary

Mortgage Processor - 06/2015 - 01/2020

Guaranteed Rate from Home – Cos Cob, CT

Took loan from loan officer, checked gfe for errors.

Made necessary changes to fees, locked rates and re-disclosed as necessary to stay in compliance.

Sent out application package. Contacted borrower when necessary throughout entire loan process Gathered necessary documents needed from borrowers

Order’s appraisal, title, cema, etc.

Reviewed loans for accuracy and completeness before sending to underwriting Coordinated and scheduled closings.

Senior Loan Processor, 11/2012 to 06/2015

Guaranteed Home Mortgage Company Inc. – White Plains, NY

Took loan from loan officer, checked gfe for errors.

Made necessary changes to fees, locked rates and re-disclosed as necessary to stay in compliance.

Sent out application package. Contacted borrower when necessary throughout entire loan process Gathered necessary documents needed from borrowers

Order’s appraisal, title, cema, etc.

Reviewed loans for accuracy and completeness before sending to underwriting Coordinated and scheduled closings.

Corporate Processor, 05/2012 to 11/2012

Iserve Residential Lending – Stamford, CT

Startup Company. Responsible for setting up new branch

Interviewed and trained all new processors. On call 24/7 for all processors and loan officers.

Worked closely with upper management.

Receive loans from loan officers, scrubbed discarded unwanted/unneeded paperwork. Packaged the rest and sent the file via electronically to the underwriter for review/approval.

Uploaded and labeled all conditions received.

Re-disclosed file at rate lock and any valid change of circumstance.

Processor, 09/2011 to 05/2012

Mortgage Master Inc – Tarrytown, NY

Received loan from loan officers, scrubbed file to make sure it qualifies before giving to underwriter.

Borrower contacts made when necessary throughout the entire loan process.

Gather necessary documentation needed from borrowers, title company, appraisal. Also submitted files to correspondent lenders and ensured all necessary documents each different correspondent lender requires.

Loan Specialist II, 10/2010 to 09/2011

Prospect Mortgage – Stamford, CT

Received loan from loan officers, scrubbed file to make sure it qualifies before giving to underwriter.

Borrower contacts made when necessary, throughout the entire loan process.

Gathered necessary documentation needed from borrowers, title company, appraisal. Submitted files to correspondent lenders.

Entered HUD fees, title, wire instructions.

Prepared loan for closer.

Send the post-closing package out.

Home Service Specialist II, 05/2009 to 10/2010

Bank of America Home Loans – Queens, NY

Received loan from loan officers, scrubbed file to make sure it qualifies before giving to underwriter.

Coordinated effectively with the borrower, title company and brokers throughout the process to ensure all forms completed and ready for closing.

Gathered necessary documentation needed from borrowers, title company, appraisal. Submitted files to correspondent lenders.

Calculated income checked all credit documents to ensure accuracy.

Audited loan pipeline to ensure compliance for loan packing profitability.

Commercial Loan Processor, 05/2008 to 05/2009

Velocity Commercial Capital Corp – Stamford, CT

Cleared all conditions on files.

Borrower contacts made when necessary throughout the entire loan process.

Gathered necessary documentation needed from borrowers, title company, appraisal. Communicated effectively with mortgage brokers, title companies, and insurance companies to ensure all forms were completed correctly before going to the closing table.

Helped double the company's production during the first month as a loan processor.

Developed prospects for new loans by conducting cold calls weekly.

Account Manager, 03/2003 to 03/2007

Argent Mortgage Company LLC – White Plains, NY

Underwrote, reworked and processed loans.

Communicated effectively with mortgage brokers, title companies, and insurance companies to ensure all forms were completed correctly before going to the closing table.

Compiled and verified that all paperwork necessary for closings were completed correctly. Conducted follow-ups on closings for Wet line Management.

Assisted new associates in learning techniques and procedures to contribute to the Company's Success as well as their own personal goals.

Learned all aspects of the Account Manager Position in a time frame that enabled me to contribute to the company's profit in a very minimal amount of time.

Transformed a Pipeline from a losing entity into a profitable and successful operation. Through effective and honest communication, we gained the trust and respect of brokers we serviced. Completed all tasks either ahead of or on schedule allowing for timely and accurate processing.

Achieved all goals set.

Grew territory by 30% through successful networking, partnership development and contract negotiation.

Education

Business

Dutchess Community College - Poughkeepsie, NY

Associates of Science

Keiser University - Fort Lauderdale, FL

Contact this candidate