Customer Service Mortgage Loan
Resume:
NANCY HELMS
Altamonte Springs, FL 32714
**********.**@*****.***
Dedicated Professional with more than 20 years’ experience in the Mortgage Banking Industry. Self-Starter exhibiting high work ethics, integrity and competence. Personable team player, equally able to lead and follow instructions. Driven to meet challenges and exceed customer and employer expectations while demonstrating the highest level of professionalism.
WORK EXPERIENCE
CUSTOMER SERVICE REP
American Leak Detection – Winter Springs, FL
July 2023 – Present
Answering multi-line switchboard
Manage calendar for 10 plumbers
Dispatch jobs each day for each plumber
Control daily reporting
PROCESSOR/UNDERWRITER
Digital Risk – Maitland, FL
July – 2021 – June 2023
Processed HELOC loans consisting of a pipeline of up to 60 files and closing 20 files consistently each month
Ensure the highest customer service surveys maintaining the rating level designed by management
Collect and analyze documents for quick loan approval
Communicate expectations with borrowers
Maintain daily workflow prioritization to ensure pipeline management meets required closing dates
Order all required verifications, documentation and subsequent follow ups
MORTGAGE LOAN PROCESSOR
SunTrust Bank now Truist – Orlando, FL
October 2019 – February 2021
Review mortgage loan application for accuracy
Run DU/LP
Order appraisal, title insurance, income verifications
Calculate income, DTI, LTV
Review all disclosures for accuracy and completeness
Prepare file for final Underwriting
Gather all Underwriting conditions
Re-verify all employment prior to closing
Coordinate closing with customer, title company and closing department
FORENSIC UNDERWRITER
Digital Risk – Maitland, FL
November 2017 – October 2019
Looking for tell-tale signs of fraud in closed mortgage loan files.
Looking for discrepancies in federal ID numbers on W2’s and any large income differences over a two (2) year period
Review tax returns, W9’s, retirement documentation, paystubs, etc.
Analyze bank statements for any discrepancies such as large deposits, NSF’s, names, account numbers, etc.
Analyze appraisals for overvaluation of property
Ensure appraiser is on banks’ approval list
Analyze credit reports for Social Security number matches, name variations, bankruptcies, judgments, mailing address discrepancies, number of inquiries, fraud alerts, tax liens, etc.
Prepare file for final audit review
MORTGAGE LOAN PROCESSOR
Accenture Credit Services – Charlotte, NC
January 2016 – April 2017
Review/audit/calculate income, credit and assets
Maintain knowledge of all policies and guidelines for FHLMC and FNMA
Order all necessary verifications, appraisal and title
Obtain and review documents against loan underwriting conditions
Clear conditions
Re-verify employment within 10 days of closing
Prepare file for final clear to close
Schedule closing with borrowers, title company and closing department
COMPUTER SKILLS
Microsoft Office – Word, Excel, Outlook, PowerPoint
ADP – Encompass – SalesForce – LUCY, Etc.
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