Customer Service North Carolina

David Ray

**** ********* ***** *****, **********, North Carolina 27545 919-***-**** ************@*****.***

Mortgage Examiner

QUALIFICATIONS PROFILE

Multifaceted and performance-focused professional, with broad-based experience in credit and financial analysis, contract negotiation, loan processing, and underwriting.

Well-organized underwriter, with proven ability to review mortgage loan files, reconcile discrepancies, and identify and mitigate risks, while providing support to ensure compliance with various investor, company, state, and government requirements.

Highly organized professional, armed with expertise in analyzing and documenting required information, ensuring the completeness and accuracy of loans, as well as generating sound decisions.

Team leader and articulate communicator, adept at developing and training teams, along with building strong relationships with all levels of individuals.

AREAS OF EXPERTISE

Mortgage and Consumer Lending Portfolio Management Reports Generation and Documentation

Retail Banking Customer Service Continuous Process Optimization

Money Laundering Fraud Identification Regulatory Compliance Sales manager for construction company

PROFESSIONAL EXPERIENCE

Self Employed

Sales Manager-Independent Contractor Sept 2023 Present

Developed and maintained strategic sales plans to achieve company growth objectives within the construction and roofing sectors

Established and maintained strong relationships with key decision makers including architects, contractors, property managers, and homeowners.

Identified market opportunities and conducted thorough market research to assess competitive landscape and industry trends.

Manage the full sales cycles from lead generation and prospecting to negotiation and closing of contracts.

Collaborated with cross functional teams including marketing operations and finance to ensure alignment and support for sales initiatives.

Monitored sales performance metrics, analyze data, and implemented corrective actions as needed to drive continuous improvement.

Quest Advisors, Inc. – Durham, NC

QC Analyst Mar 2020 Sept 2023

Perform thorough review and credit analysis of mortgage loans to ensure compliance with set forth underwriting and investor guidelines

Maintain solid awareness of mortgage lending products, policies, processes, and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio products

Demonstrate keen attention to detail in fulfilling other tasks, such as income types computation, real estate appraisals assessments, and title reports evaluations

Organize and compile all loan files based on portfolio and investor guidelines to guarantee marketability while verifying documented underwriting exceptions

Rooms To Go – Dunn, NC

Independent Contractor Apr 2019 Mar 2020

Assumed responsibility for maintaining and operating a 26-foot box truck, including loading, unloading, delivering, and assembling furniture in customers’ homes

Consistently exceeded performance expectations by maintaining a high customer service rating throughout tenure

Administered employee hiring, orientation, and payroll

BB&T – Wilson, NC

ML Correspondent Loan Underwriter III Sep 2012 Feb 2018

Rendered hands-on assistance and supervision to correspondents/other department personnel on issues related to BB&T, Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA), FHA, VA, and Rural Housing lending policies and compliance issues

Communicated with mortgage insurance (MI) companies to negotiate loan approvals, obtain required information, and verify BB&T/investor guidelines

Conducted detailed pre-funding/pre-closing underwriting analyses on more complex mortgages exceeding the conforming loan limit and complex self-employed borrowers with a higher credit risk

Keenly analyzed credit and property loans purchased from correspondents in collaboration with delegated underwriting authority

Obtained additional information, documentation, and/or development from correspondents to ensure that all loans are underwritten and purchased in accordance with BB&T/investor guidelines

David Ray

5073 Stonewood Pines Drive, Knightdale, North Carolina 27545 919-***-**** ************@*****.***

IBM Lender Business Processing Services (LBPS) – Durham, NC

Mortgage Loan Asset Specialist Sep 2010 Sep 2012

Analyzed the application, income, assets, expenses, and credit report to determine the most appropriate loan workout option for the customer

Strictly followed all state and federal guidelines implemented by the company, FANNIE MAE, and the investor

Facilitated training for new employees to familiarize them with company processes, procedures, and workflow

Effectively managed escalated calls from borrowers who required more explanations of the loan modification process and those who were highly stressed from the possibility of losing their property

Participated on management meetings and rendered hands-on assistance to employees on daily job functions and escalated calls

Educated customers on a variety of mortgage financing while providing recommendation on value-added services to meet client needs

Served as a subject matter expert (SME)

Wachovia/Wells Fargo Bank – Raleigh, NC

Loss Mitigation/File Reviewer Jul 2009 Aug 2010

Mortgage Specialist Feb 2009 Jul 2009

Received and reviewed documents for the completion of a loan modification, including credit reports, paystubs, tax returns, bank statements, w2’s, and any other documents

Analyzed documents to ensure borrower’s expenses are within the state and Federal guidelines in order to qualify for a loan modification

Coordinated with borrower, mortgage specialist, attorney, and the title company to drive a smooth purchase/refinance process

Maintained an effective pipeline to remain abreast on potential closing dates, lock expiration dates, and correct any errors in the LIS system

Earned multiple accolades by demonstrating excellent work performance such as the following:

−Top 5% across the site and several shared success awards

Countrywide Bank – Raleigh, NC

Senior Account Executive Mar 2003−Apr 2008

Conducted outbound calls to generate new business opportunities, as well as follow-up with existing customers

Built and strengthened relationships with builders and real estate brokers to identify referral opportunities

Collaborated with the Loan Processing Team to resolve any mortgage application discrepancies or post-closing issues

Analyzed the application, income, assets, expenses, and credit report to determine the most appropriate loan workout option for the customer

Established a reputation as a top performer with a history of exceeding sales and customer expectations; with volume ranging from $1.2M to $2M and average of 7 to 9 funded loans each month

Received awards including:

−Five-time top 1 in sales volume out of 85 account executives in the region; and

−Four-time top 1 in units sold among 85 account executives in the region

Alltel communications – Raleigh, NC

Sales Executive Mar 2000−Mar 2003

Maintained active involvement throughout the sales cycle, from lead generation and presentations to deal negotiations and closing

Took charge of contacting potential and existing customers through phone, email, and in-person communication

EARLIER CAREER

Nordic Warehouse − Benson, NC

Trustee

Bowman Enterprises − Benson, NC

Microfilm Processor

EDUCATION

Coursework in Business Management

Johnston Community College Smithfield, NC

TECHNICAL ACUMEN

Lotus Notes Loan Prospector (LP) Act Desktop Underwriting (DU) Encompass SharePoint

Automated Underwriting Systems (AUS) CLUES Edge Genesis Calyx Real Estate Master 10-Key Calculator

Windows 2000 Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, and Excel)

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