Executive Assistant Customer Service

Staci C. Wood

Contact: 940-***-**** / ***********@*****.***

Profile: Detail-oriented, efficient, and organized Mortgage Banking professional and Personal Executive Assistant with +15 years of experience. Skilled at providing strong analytical and problem solving solutions. Proven track record of assisting in the ongoing effort to improve current systems and business methods. Proven methods of applying: Adaptability, Business Ethics, Communications, Customer Service, Dependability, Teamwork, Mathematical ability, and Reasoning ability.

Job History

PHL Officer – Wells Fargo Bank, Texas May 2021-Present

The Non-QM Mortgage Underwriter with an extensive background making manual credit decisions on a broad spectrum of loans on a delegated basis to include experience working with DSCR, Bank Statement, and other ALT doc type loans.

Key Responsibilities: Responsible for manually assessing the risk of a loan and making a credit decision based on the quality of the data in the loan file

· Applied all internal underwriting guidelines, investor underwriting guidelines and requirements as well as federal regulations to the decision process to ensure high loan quality

· Determine specific investor program requirements and ensure credit underwriting review meets investor requirements

· Perform detailed analysis and review of various appraisal types to determine if property meets investor guidelines

· Review credit documents for accuracy and completeness

· Partner with the Production and Operations teams to ensure high quality loans

· Communicate with loan officers, brokers and processors to create a positive customer experience

· Provide feedback for pre-closing as well as post-closing quality control audits in a timely manner

· Willingness to provide alternative solutions when needed

Mortgage Loan Officer - 1st National Bank, Ohio- April 2010 - April 2011

Initiated, marketed, and sold loans to previous clients.

Attended networking events to expand our circle of influence and to gain new clients, builders, and realtors. Sales Presentations

Resolves complex problems where the analysis of situations or data requires in-depth evaluation of loan procedures and standards.

Provide a value-added perspective or advice that contributes to the development of new Solutions and improvements to the proper documentation for the complex loans/situations.

Met with The President of the Bank monthly to review loans and reports, and any alternative offsetting compensating factors for exceptions on loan documents.

Oversaw application process for entire life span to ensure all government and banking laws were followed. Audit and compliance through funding and final sale of the loan. Servicing, and the completion of the sale of the Servicing of the loan. Escrow Analysis and Credit analysis. Pay off demand letters, and release of liens. Assuring payoff on loan is calculated to the date of pay off and has a per diem. Assuring old loan paid off and new lien in place. Follow through included: Bankruptcy, Foreclosures, defaults services, servicing, audit, and retention.

Produced $16- million a month, with no Commercial loans. Transferred to Texas

Mortgage Banker - Union Savings Bank, Cincinnati Ohio- Feb 2009 - April 2010

Sold, Marketed, Originated residential and Commercial Loans. Set up meetings with Loan Committee for Loan approval on loans with compensating factors, or Commercial.

Oversaw approval by CEO and CFO on all loans kept in house by private investors

Processed and Closed $16M in monthly loans consistently

Worked with 12 different branches for their referrals, as well as constant networking

Oversaw application process for entire life span to make sure all government and banking laws were followed.

Top 10 producer in the company every month.

Assistant Branch Manager - NCB, Cincinnati, Ohio - May 2008 – Feb 2009

Managed day to day operations

Processed SAR’s reports, equity lines of credit

Sponsored promotions to meet goals

Set up commercial accounts and completed wire transactions

Balanced ATM, Vault, and teller line.

Wrote lines of credit and sold CD’s, Bonds, etc.

Evaluated daily assets and accounts for financial advisors

Mortgage Loan Officer - National Bank and Trust Company, Cincinnati, Ohio - Aug 2006 – May 2008

Supported 25 branches by cross-selling, marketing, and originating residential and commercial loans

Consistently closed $16Million - in monthly loans

Participated in loan committee meeting with leadership to present our outside of the box loans that were kept in house. These loans were kept in house.

Reviewed pipeline and accounting reports

Consistent Top Producer

Processing Manager - Benchmark Mortgage, Addison, Texas - Feb 2002 - May 2005

Increased gross sales from $8million to over $88 million per month for the branch in three months.

Requiring/Staffing processors and Loan Officers

Maintained pipelines, submissions kept in house and brokered out

Reviewed all files, income, assets, compliance, balanced CD's/HUD1 settlement statements

Perform in depth troubleshooting and root cause analysis to identify issues, create solutions, and implement action plans. Provide support and guidance for all staff regarding general efficiency of operations.

Acted as a liaison between administration and other departments, and prepare, maintain and present analysis at monthly meetings.

Loan Officer - USBank Corp - Jan 2000 - Jan-2002

Maintained relationships with 25 branches to cross sell their products and services

Originated residential loans

Coordinated and attended campaign and networking meetings

Winner of 5-star customer service award consistently

Top Ten Producer in the state of Ohio consistently

Permission from the executive leadership to close out existing pipeline of $5Million while being transferred to Texas.

Education - 1988-1993 University of Akron. Studied towards dual Major Business and Comm./Fine Arts

Skills - Experience working with: Conventional, Non-Conforming, Commercial, Jumbo, FHA, VA, Underwriter, processor, Subordinations, USDA, Rural, Bridge-loans, 2nd mortgages, New Construction w/built in conversions, land loans, lot loans, and 3/5/7-year balloon/arm products. MERS, ATR, Cost Approach appraisals/1004on SFU, DTI, DSCR,NPL/RPL, RESPA, Business Acumen, Fraud, money laundering Escrow of taxes and Insurance, deferments, military deployment, Personal skills with insurance claims: Whole life insurance, disability insurance, mortgage insurance, PMI, Homeowners Insurance, Flood Insurance, Natural Disasters, Earthquake, etc., Homestead Exemptions, Servicing incoming loans(accepting payments, collecting escrows, forbearance agreements, COVID-19 deferments, REO dept., and Foreclosures and CSR at PHL)

Software: Word, Excel, Power Point, Caylx, Black Knight, LP,DU, LOS, POINT, MSP, Sargent, Multimedia Marketing, SARRS reports, DOS, and many other software programs.

References available upon request

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