Resume of: Amber Renae Stevens

210-***-**** ad5bgs@r.postjobfree.com

KEY AREAS OF EXPERTISE

Dynamic individual seeking to leverage 13+ years of experience in the banking and customer service industry.

Extensive knowledge in mortgage loans executive resolutions, home and car loans, and customer interaction.

Keen ability to lead projects and take an active and key role in training individuals and assuring that each individual has the knowledge needed to complete their job on a daily basis.

Financial experience in assisting members with mortgage loan origination

Over 5 years of experience managing teams of 10-15 employees as well as 7 year experience as a team lead.

Extensive knowledge in handling executive resolution calls and assisting the members to save the relationship for the member and the company.

Expertise in local, state and federal regulations for loan compliance as well as banking compliance.

PROFESSIONAL EXPERIENCE:

Self Employed Mobile Notary

October 2022-Current

Texas Dow Employees Credit Union

March 2021-October 2022

Mortgage Loan Officer/Consultant

Interview applicants to determine best possible mortgage product and services suited to their needs. Originate loan applications as well as review reports and credit criteria, interest rates, loan documentation required for loan review and approval. Review tax returns, and complete self-employment income calculations. Advised member of loan approval or denial and explain loan denial clearly and precisely to members. Manage time and pipeline efficiently and effectively to stay organized and on top of my pipeline and workload. Discussed rates, closing cost, and set expectations throughout the loan process. Perform follow up work as needed to ensure first time one touch loan approval. Networked with real estate agents to drive business.

First Community Credit Union

February 2019- March 2021

Mortgage Loan Officer/Consultant

Interview applicants to determine best possible mortgage product and services suited to their needs. Originate loan applications as well as review reports and credit criteria, interest rates, loan documentation required for loan review and approval. Review tax returns, and complete self-employment income calculations. Advised member of loan approval or denial and explain loan denial clearly and precisely to members. Manage time and pipeline efficiently and effectively to stay organized and on top of my pipeline and workload. Discussed rates, closing cost, and set expectations throughout the loan process. Perform follow up work as needed to ensure first time one touch loan approval. Networked with real estate agents to drive business.

Bank of America

July 2016- February 2019

Mortgage Loan Officer

Originate Mortgage loans and home equity loans. Responsible for taking complete and quality loan applications and putting them into the system. Establishing a client base for both current Bank of America clients and prospecting for new clients. Managing and maintaining my monthly application goals and funding goals.

Frost Bank

June 2014- July 2016

Consumer Loan Processor/ Team Lead

Process and review home equity, HELOC, Home Improvement, PM2’s, and Lot Loans.

Review Bank statements, Homeowners insurance policies and coverage amounts, Appraisal’s and all required documentation that is submitted by customer.

Team leader of 10 employees. Assisted in training employees, answer questions, approving conditions and documents that were above the employees authority, lead weekly meetings.

Conduct performance reviews as well as Semi monthly coaching reviews.

Main point of contact with customer regarding loan process and requesting documentation required to underwrite and process the loan to closing.

Review and approve Closing Disclosures for final loan approval.

Work directly with loan originators, underwriters, and tile companies to ensure the loan process is expedited properly within federal regulation and bank guidelines to meet all set closing dates on time.

Wells Fargo

2012- 2013

Conventional and VA consumer loan underwriter

Initial and final review of conventional and VA files for both purchase, builder and refinance loans.

Review levels including manual underwriting and DU decision Authority.

Review of appraisals but do not currently have my SAR.

Approving, suspending, and declining loans with a second level review authority as well.

Bank of America

2011- May, 1 2012

Mortgage Bankruptcy Analyst

Responsibilities included Preparing Motion for Reliefs and Balancing Ledgers.

Reviews chapter 7 and 13 bankruptcy documents.

Work with attorneys to ensure the proper documentation is filed with the attorneys and bankruptcy courts to file for motion for relief.

Subject matter expert for 3 teams of approximately 30 employees.

Reviewed each employees file for accuracy and completeness.

Coaching and training new as well existing employees.

USAA

2005-2010

Underwriter / Loan Officer

Responsibilities included receiving inbound calls, completed Mortgage applications, locking in interest rate completing pre approvals for home loan purchases and refinances.

Responsible for underwriting conventional and VA loans.

Underwriting authority limit of 417k on both conventional and VA loans.

Analyzed Debt to income ratios, loans to value ratios, Assets, Credit and income.

Assisting on the executive resolutions phone line taking calls for members who are upset and want resolution to the issues that they are having with USAA and their mortgage accounts or applications as wells as declining home values and low appraisals.

Advising members on what mortgage product or service may be best for them based on their financial needs and goals.

Washington Mutual

2003-2005

Senior Personal Financial Rep

Responsible for origination and closure of consumer and equity loans.

Also processed and underwrote loan applications and loan decisions.

Ensured branch office was in audit compliance with local, state and federal regulations.

Serviced and maintained customer accounts. Provided maintenance on customer accounts.

Processed teller transactions.

Balanced teller cash drawers and bank vault on a daily bases.

Instructed team meetings and employee one on one meetings.

Compass Bank

2002-2003

Senior Teller

Managed the teller line and vault.

Insured that the branch and tellers where operating under federal and state compliance.

Assisted in teller training and team meetings.

Responsible for ensuring subordinate cashiers registers balanced on a daily basis.

COMPUTER SKILLS

Microsoft Office

I Originate

IFullfill

Outlook

Word Perfect

Excel Access

10 Key

DU Underwriting Desktop

LPS

NDC

AS400

LIS

Omni

VA Portal

Encompass

FHA Connection

ARGO WEB

Simple Nexus

Salesforce

EDUCATION

Hondo High School Graduate 2001

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