CAROLYN G. CLYBURN

*** ***** *****. ** **** SC **715

980-***-****

ad4mi2@r.postjobfree.com

· Experience includes Conv, FHA and VA. (conforming and non-conforming loans).

· Proven record as excellent customer service with a high level of efficiency and availability to clients and sales.

· Managed and process a pipeline of 40-60 conventional loans per month with an 80-100% closing rate with 100% quality.

· Complete knowledge of RESPS, FHLMC, FNMA, FHA Program Guidelines

· Complete continuing education course on Federal and State Regulatory Compliance

· Excellent communication, organizational skills, ability to multitask, prioritize and computer knowledge (Microsoft Office, Outlook, Calyx Point, Excel, Google, Publish Desktop and Encompass mortgage software).

. Appraisal reviewer for Conv, FHA and VA.

WORK EXPERIENCE:

Freedom Mortgage Corp. - Loan Analyst, Ops, Maurel NJ 10/2020 - 08/2022 Reviewed Conv, FHA and VA appraisals to complete files. Reviewed files for credit review, file moves on to next phrase for final approval. Reviewed and ordered 4506 tax transcripts. Accomplished my goals each day of 60 files or more. Assisted co-workers when out of the office. Round Point Mortgage – Loan Processor III, Ft Mill SC 06/2019 - 10/2020 Reviewed loan applications for refinance, Conv, FHA and VA. Contact borrowers to discuss conditions needed to send file to the underwriter for approval. Updated borrowers 2-5 business days as needed. Cleared conditions using my authority level. Worked closely with loan officers, co-workers and external 3rd-party vendors. My goals were to close loans as soon as possible within 30days, if no issues with documentation. Indecomm LLC – Loan Processor I, Char. NC 03/2018 – 02/2019 Review new HARP and Full Doc loan applications received from the underwriter with conditions. Contact borrowers to discuss conditions and interact with loan officers when needed. Review internal and external documentation received for accuracy, if required documents are not in loan file request from third party vendors or internal teams. Updated borrower every 2-5 business days as needed with the status on loan application. Provided excellent customer service to clients to ensure loans will close within 30 days or less. Clear conditions within my authority level and send for final approval. Accenture Credit Services BOA - Loan Specialist II / Jr., Underwriter Char. NC 03/2012 – 01/2018

Scrub file to prepare conditions when HELOC and Full Doc loan application is received. Contact clients to discuss missing conditions and Loan Officer if applicable. Review all documents received, including title, appraisal and home insurance, if not in file request order for external documents. Updated clients every 2-5 business day with the status. Explain terms of the loan to client and discuss the full process of loan application. Provide excellent customer service to clients to ensure loans will close within 30 days or less. Page 2 (Clyburn)

Manage pipeline of loans within required performance standards within closing and rate lock expiration time frame.

Responsibilities included finding solutions to challenging scenarios to find creative and acceptable solutions to the Underwriters Approval. Efficiently working as a team with sale, underwriting, closing and funding to ensure the loans are being processed accurately and within compliance.

Clear conditions and final approve loans commensurate with authority level. Data Quick Lending Solutions – Customer Service (Home office) 06/2009 - 03/2012 Appraisal Vendor Company for Bank of America Char. NC

**company changed name from MDA Lending to Data Quick Lending*** MDA Lending Solutions – Customer Service Char. NC 03/2007 – 06/2009 Monitor and respond to client (appraisers and BOA) inquires via phone, email and work queues according to company communication policies.

Update status daily for each product ordered using a track system. Maintain a current knowledge of all company systems, products and procedure, performing quality productivity standards white maintaining 90% and higher service level agreement. Contacted and assigned appraisers to ensure inspection appointment setups, fees and products are delivered in a timely manner.

Company moved to home office in Wilmington DE 2009 Wells Fargo Home Mortgage - Subprime Loan Processor Char. NC 12/2001- 02/2007 Review loan file to verify procedures per guidelines. Calculate Income to determine debt to ratio Processed sub-prime mortgage loan files verifying accuracy of documents received for conventional loans. Make intro call to verify loan details and requests additional documentation if necessary. Ordered title search, flood certifications, FEMA reports and homeowners insurance policy. Updates Manually priced and locked rates from daily financial market reports. Respond to clients and account executives incoming calls in a timely manner. Manage pipeline of 50-80 loans within required performance standards within closing and rate lock expiration time frame. Faxed notifications to brokers and sales executives’ confirming package received.

TRAINING / CONTINUING EDUCATION

· Indecomm LLC – Encompass Training – 2018

· Accenture/ BOA - SASE Certification/Certified – 2014

· Certified Credit Counselor – Charlotte Housing Partnership – 2001

· Complete Mortgage Processing I, II and III – Central Piedmont Community College 1998

· Data Processing and Secretary Science – Urban League of Greater Charlotte - 1992

· Computer Operations - Central Piedmont Community College 1973-1975

*REFERENCE UPON REQUEST*

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