Robbin J. Gilmore

Mobile Phone 856-***-****

* ***** **** *****, ********, NJ 08043

Email: ad43mg@r.postjobfree.com

WORK HISTORY

April-2023-present Optimize Manpower Solutions

Loan Application Processor

• Locating existing CRM record for an application

• Identifying any missing documentation and validating received documentation

• Reviewing documentation to ensure eligibility

• Asking any clarifying or confirming questions to the applicant to ensure the file fully explains the project and use of funds

• Calling or emailing applicants to discuss their application as necessary, and uploading notes from each of these calls in the CRM record

• Uploading any relevant documents and correspondence to the CRM record

• Quality review applications

• Ensure that you successfully complete the number of applications allocated to your pipeline by NJEDA based on loan application volumes and flag to NJEDA if these application review targets become infeasible for any reason

• Available for all scheduled and impromptu management or team member meetings

• Ability to provide accurate information to applicants inquiring as to status and eligibility of grant applications

• Trouble shoot applicant questions based on program knowledge

• Answer any question from other departments regarding assigned applications July 2022-Mar.2023 Spring Garden Lending

Commercial Loan Administrator

● Effectively processed commercial loan documents, analyzed and validated data.

● Assisted lenders with development of required documents for closings

● Able to handle confidential material in a professional, ethical manner.

● Excellent verbal and written communication skills.

● Effectively managed time and organization skills to prioritize multiple objectives with limited supervision

June 2017-April 2023 Rite Aid Corporation

Shift Supervisor

● Demonstrates superior customer service by assisting customers with their shopping needs, handling all customer transactions in a timely and courteous manner, and responding to customer complaints/concerns with a sense of urgency to see to their resolution

● Efficiently managed tasks given by the Store Manager, delegated responsibilities, and successfully supervise store associates

● Effectively attended to merchandising of plan-o-grams within seasonal departments, end caps, displays and basic inline departments as directed by the Store Manager

● Control inventory by performing proper receiving and stocking including accurate cycle counting, processing merchandise transfers according to procedures, and reporting inventory problems to the Store Manager

● Accountable for store cash and other financial assets, reconciling cash register drawers, preparing deposits, and ordering changes from the bank as directed by the Store Manager

● Assist with the general maintenance and appearance of the store by ensuring a safe and pleasing environment for both customers and associates; respond to any unexpected emergencies to ensure the protection of company assets

● Oversee store inventory is regularly inspected in accordance with the Product Freshness Review Schedule as directed by the Store Manager

● Ensure all outdated product and product with less than 30 days until expiration is removed from the sales floor to be processed through the established returns process

Dec. 2020-June. 2022 Radian Group

Senior Loan Processor

● Effectively contacted customers directly to obtain conditions placed by mortgage underwriter

● Efficiently Prepared required loan documentation for approved loan applications such as disclosures

● Provided support to customers and lending staff as needed

● Contacted customers to collect and review additional information as necessary

● Testing new systems and documentation software

● Reviewed and verified all required supporting materials, such as, titles, flood Jan. 2020-Feb. 2021. Arc Home loans

Senior Loan Processor

● Effectively processed loan products, including conventional FHA, USDA, and VA; analyzed and validated data.

● Demonstrated excellent customer service skills and experience.

● Able to handle confidential material in a professional, ethical manner.

● Excellent verbal and written communication skills.

● Performed tasks with limited supervision to achieve volume goals. Effectively managed time and organization skills to prioritize multiple objectives

January 2018-December 2019 TD Bank

Consumer Loan Processor

● Effectively contacted customers directly to obtain conditions placed by lender or mortgage underwriter

● Efficiently Prepared required loan documentation for approved loan applications such as disclosures

● Provided support to customers, branches, and lending staff as needed

● Contacted customers to collect and review additional information as necessary

● Testing new systems and documentation software

● Assisted in training of Loan Processor I and II

● Processed all specialty products

● Reviewed and verified all required support materials, such as, titles, and floods to ensure the files are ready for closing

Aug.2014- Dec.2016 Annie Mac Home Mortgage

Jr. Underwriter

● Effectively reviewed and analyzed, in accordance with underwriting service level agreements, credit reports, income (including self-employed), assets, sales contracts, appraisals and additional documents found in loan files.

● Communicate effectively with the processing team regarding questions on submissions and reasons why documents may not be acceptable.

● Validated all conditions from the AUS have been properly met and loan is QM compliant.

● Analyzed loan packages for any sign of fraudulent documentation or information.

● Successfully remain informed of all government regulations, requirements and laws for both branch and broker submissions.

● Consulted with the processing and closing department to ensure that all underwriting conditions are met prior to closing the loan.

● Reviewed and cleared all underwriting conditions prior to closing within service level agreements

● Assisted management with new hire Senior and Jr. Underwriter training use of Encompass

Sept.2011- Oct.2013 Wells Fargo Bank

Senior Loan Processor/ Consumer Loan Underwriter

● Processed conforming and non-conforming loan products, including FHA, USDA, and VA; analyzed and validated data.

● Demonstrated excellent customer service skills and experience.

● Able to handle confidential material in a professional, ethical manner.

● Excellent verbal and written communication skills.

● Performed tasks with limited supervision to achieve volume goals.

● Effectively managed time and organization skills to prioritize multiple objectives

● Reviewed, analyzed, approved and underwrote large, unusual or complex individual consumer requests and products within company and industry guidelines.

● Reviewed financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value)

● Examined transactions to ensure accuracy and completeness

● Preparing formal reports for review

● Ensured that documents are consistent and uphold to company and industry guidelines

● Implemented fraud detection techniques, performing compliance reviews

● Assisted with re-negotiations of loans based on lending guidelines

● Contacted customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision

● Provided work direction and/or training to new hire team members and performance feedback to supervisor/manager

Oct. 2006-Feb. 2011 Barclaycard US/Fair & Responsible Lending Office Jr. Project Manager/ Senior Quality Assurance Analyst/Account Manager

● Management of Audit Prep including issue assurance task list & gap identification

● Supporting on-site audit

● Completion of BCUS procedures & process mapping

● Developing line of business complaint policies across all departments

● Finalizing risk, control assessment and corresponding controls

● Root Cause Analysis of BCUS complaints data

● Ensure operational readiness across all areas

● Preparation of meetings, including scheduling, minutes, and action registers Senior Quality Assurance Analyst

● Measured quality performance expectations within Barclaycard Collections Operations department

● Managed Supplier Quality Assurance expectations via bi-monthly calibration sessions, site audits, and risk based monitoring.

● Scheduled and facilitated Call Quality QA meetings with Senior Management and Operations.

● Consistently delivered monthly reporting of Quality Assurance expectations to in-network and out-of- network sites by agreed upon SLAs.

● Ensured Federal Government standards & company policies, relating to FDIC, FDCPA, and CCA remained within compliance.

● Successfully implemented behaviors through training to drive performance. Specialty Account Manager

● Ownership of payment program processing, Metastorm BPM inquires, Account Managers and Senior Management inquires.

● Processing of bankruptcy petitions, cease and desist requests, credit bureau inquiries/disputes, death certificates, and debt management proposals.

● Communicates with reporting, forecasting, and management groups regarding increase in trends, reporting issues and remediation of projects assigned. Customer Support Account Manager

● Analyzed customer’s financial situation and offered the best repayment solution to meet bank objectives.

● Ensure adherence to Barclaycard US policies & procedures, FDCPA and all other federal regulations.

● Ability to consistently meet organizational performance standards.

● Participated in monthly, management roundtables and feedback sessions May 2006-Sept. 2006 Wachovia Education Finance

Private Loan Underwriter

● Reviewed education loan applications for credit worthiness, ensuring compliance with credit policies and Wachovia established guidelines, as well as federal government standards.

● Educated and -trained loan processors on verification standards needed to analyze a borrower’s income documents, credit file, identity, etc. Sept. 2005- Jan. 2006 Wilmington Finance

Underwriter

● Qualified mortgage loans, reviewed appraisals, titles, and income documents.

● Analyzed credit bureaus for credit worthiness

● Assessed fraud risk of potential borrower and compliance with government standards, as well as standards set by outside investors, assuring all mortgages are of investment quality.

EDUCATION

Howard University

Bachelor of Business Administration/ Marketing, B.B.A., 2000

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