Mortgage Loan Processor - Loan Processor

Toni Ratcliff

Raleigh, NC ***** 919-***-**** *********@******.***

Business Analysis Financial Analysis Risk Mitigation / Management Complex Negotiations/ Process Optimization Internal Controls Auditing Investigations Strategic Planning Trends Tracking Process Execution Account Payable & Receivable Account Reconciliations Forecasting Create Reports & Presentations Customer / Client Relations Payment Recovery Cash Balances Regulatory Compliance Quality Control

Highly Accomplished Analyst who offers solutions-centric critical thinking to achieve desired business / financial results, and who excels within high-pressure work scenarios while consistently exhibiting tact, diplomacy, and confidential client communications. Hands-On Self-Starter who skillfully reviews and monitors accurate reporting of entities and accounts. Assisting & training on special projects as needed. Prepare special reporting on a weekly basis

Influential Strategist who continually promotes unified team objectives; enhanced business quality, problem-solving, and accountability; and incredible goal attainment to align with a company’s mission, vision, and value. Engaging Communicator who builds and sustains mutually beneficial alliances among senior-level decision-makers, multidisciplinary staff, legal professionals, and clients / customers, and who sees the “big picture” at all times to exceed expectations with a willingness to “go the extra mile” to surpass the status quo

Professional Synopsis

Covance Pharmaceutical 2019 – Present

Program Specialist

Responsible for working with Providers and Insurance companies to make sure patients are covered for specialty medications & services as needed.

Conduct insurance verifications to understand if patient’s prescribed therapy is eligible for coverage. Possibly coordinate prior authorizations, investigate alternative insurance coverage, or other funding sources on behalf of the patients per the program specifications.

Quickly and efficiently respond to incoming calls and faxes, identify how best to assist.

Process patient applications of various complexities, and follow the programs specifications to determine their eligibility. Place follow up calls and respond to enquiries from patients and/or healthcare providers as necessary.

Liaise with partner distributors and pharmaceutical manufacturers to request products per the program’s guidelines and track shipments.

Coordinate the order and transfer of prescriptions based on their degree of urgency to specialty pharmacies

Be familiar with the market place and the insurance options available for patients. Educate patients on the available options as appropriate.

Assist with training new team members by shadowing/reverse shadowing them and serving as a data checker by reviewing data entered in the program’s tracking system.

IBM, Raleigh, NC (2010 – 2019)

Business Operations Analyst (2015 – 2019)

Strategically steer the high-volume processing of all bankruptcy accounts per key policies, procedures, and procedures, including processing payments and loan modification paperwork, as well as coding Chapter 7 and 13 accounts. Ensure compliance with quality and risk mitigation initiatives while managing Proof of Claim business processes (i.e. quality assurance procedures, client satisfaction, deployment, and rating). Determine customers’ current and / or past-due loan status by overseeing funds allocation and disbursement on bankruptcy accounts. Continually monitor and evaluate process execution, trends, and root causes as necessary to maximize efficiency, performance, and controls and promote desired results and client satisfaction.

Spearhead financial negotiations to maintain accurate controls of cash balances.

Conduct monthly audits, reviews, and complete investigations of complex assignments.

Meet internal controls while adhering to guidelines and regulations in analyzing statements or systems.

Improve customer satisfaction via active collaborations with attorneys, including traveling as required.

Journal entries ensuring compliance with Federal & State guidelines.

Manage a Bankruptcy Pipeline of 80+ loans on a monthly basis

Liquidation Processor Bankruptcy Contact Specialist (2013– 2015)

Expertly pinpointed delinquent customer accounts through various means (i.e. written correspondence, phone contact, skip-tracing) and made payment arrangements as required. Served as the “go-to” liaison for upholding high-quality service and a positive company image by courteously resolving customer inquiries. Made outbound calls and received calls to borrowers. Updated and managed loan files and spreadsheets.

Supported the company’s Underwriter in counseling customers with appropriate resolutions.

Processed loans in LWO Portfolio to meet production goals & performance standards.

Mortgage Loan Processor (2010 – 2013)

Assisted Underwriter and/or Loan Officers on a daily basis and working the customers to assist them as needed regarding their loans.

Manage a pipeline of 90+ loans on a monthly basis.

Experiencing with processing Conventional, FHA & VA Loans.

Calling customers as needed for Underwriter to obtain specific documents needed.

Bayer Crop Science (via Belcan Staffing Solutions), Clayton, NC (2005 – 2010)

Administrative Assistant Event Planner

Delivered excellence in administrative support to Site Director, Bayer Advance Team, Green Team, and PPM Team, including coordinating a fast-paced calendar for meetings and events held at the Clayton site. Set up conference room for meetings, including arranging seating and providing equipment. Completed expense reports for Site Director and Farm Superintendent. Processed incoming bills and handled monthly reporting.

Worked in SAP to create PO numbers, pull reports, and research data as required.

Managed all on- and off-site daily and / or evening social and / or marketing events.

IBM (via Spherion), Research Triangle Park, NC (2000 – 2005)

Senior Administrative Assistant

Provided results-focused administrative support for a third-line manager, second-line manager, and 6 first-line managers, and staff. Seamlessly handled telephone management, electronic mail management, and computer-based tasks. Managed all expense reporting. Coordinated on- and off-site meetings as required.

Personally managed departments such as telephone moves, computer moves, and network printers.

Education & Technical Summary

Bachelor of Science in Business Administration University of Mount Olive, Mount Olive, NC

Microsoft Office (Word, Excel, Pivot Tables, PowerPoint, Outlook) SAP Oracle ERP Financials MSP LPS / Black Knight

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