KIM LAWSON

**** ** ********* **. **** ***

DURHAM, NC 27703

919-***-**** (H)

Email: adovdx@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

SUMMARY OF QUALIFICATIONS

A firm grasp of processing, originating, underwriting and pre-underwriting mortgage loans, sales, customer service and financial development to meet client needs. Utilizes organizational skills to establish priorities and meet deadlines which have shown to be invaluable in a fast-paced environment.

Ordering, analyzing and verifying of VOE's, VOM's, VOD's, Appraisals, Title insurance and various other documents as needed from customers for processing all loan types (Conventional, FHA/VA, USDA, etc.).

Excellent sales, analytical/decision making and customer service skills.

Excellent product knowledge and follow ups to customers in a timely manner.

Great organizational, detailed oriented, team player and exceptional communication skills.

Distilling value, overcoming objections and securing hard to close deals.

Built a rapport and a book of business/referrals with a lot of builders and realtors.

Pre-underwrite all mortgage loan types and acknowledge/verify all documents are true real documents not fraudulent.

Understanding and analyzing title issues and curing title for foreclosure title companies and attorneys.

EDUCATION, PROFESSIONAL CERTIFICATIONS & AFFILIATIONS

EDUCATION, PROFESSIONAL CERTIFICATIONS & AFFILIATIONS

INSURANCE LICENSES, Raleigh, NC

Property & Casualty, Life, Health, Medicare & Long-Term Care- Active

RE COMMISSION, Raleigh, NC

NC Real Estate License, Expires 6/30/2022

DURHAM TECHNICAL COLLEGE, Durham, NC

Attended Courses: 2002

SOFTWARE & TECHNICAL SKILLS

SOFTWARE & TECHNICAL SKILLS

Microsoft Windows, Outlook, Excel, Windows 98, 2000, & 2002, Pages, Internet, F&E, SAP, Calyx/Point, Genesis, Encompass, Byte, DU/LP, LPS/MSP/CPI, Litigation Tracker, Database Tracking System, CORE

PROFESSIONAL EXPERIENCE

Caliber Home Loans (Remote-Contract), Coppell, TX 01/2021 – Present

Mortgage Underwriter

· Underwrite Conventional loans working with Fannie Mae Desktop and Freddie Mac Loan Prospector.

· Reviews/analyze loan files submitted for borrowers to ensure file meets loan program requirements. Analyze loan applications (1003), credit reports, debts and assets, income/financial statements, loan values/ loan to value ratios, appraisal reports-collateral and supporting documents.

· Conditions file for missing/supporting documentation, revisit loans to review and clear conditions.

· Approves, counters or denies loan files.

· Escalates fraud files to credit manager/risk management team. Respond within SLA to all loan specific audits and findings.

· Knowledge of Mortgage insurance (MI) guidelines.

· Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines.

· Dependent on Wholesale/retail division and utilizing H20 system to underwrite loans.

Mr Cooper (Remote-Contract), Dallas, TX 10/2020 – 11/2020

PHH Mortgage (Remote-Contract), West Palm Beach, FL 12/2020 – 01/2021

Mortgage Loan Processor

· Processed Conventional, FHA/VA, and USDA loans in a professional setting by reviewing and verifying borrower's income, credit reports, loan applications, employment histories, property appraisal and title insurance to prepare for underwriting submittal.

· Entered accurate data in automated approval system (DU/Encompass), associated documents and reviewed results for discrepancies.

· Resubmitted with updated information and clear conditions before submitting to U/W for final loan approval.

· Tracked loans at all times, including using Encompass system to clear any remaining conditions, and prepared loans for closing.

· Followed-up with borrowers by answering phone calls, emails and kept them posted on loan status.

· Provided support and interact with Loan Officer's, Underwriter's, Counsel and title companies by ensuring the timely, judicious and accurate processing of mortgages.

· Ensured compliance with company policies, underwriting guidelines and lending program requirements.

GoPrime Mortgage (Contract), Apex, NC 06/2020 – 08/2020

Mortgage Loan Processor

· Processed Conventional, FHA/VA, and USDA loans in a professional setting by reviewing and verifying borrower's income, credit reports, loan applications, employment histories, property appraisal and title insurance to prepare for underwriting submittal.

· Entered accurate data in automated approval system (DU/Encompass), associated documents and reviewed results for discrepancies.

· Resubmitted with updated information and clear conditions before submitting to U/W for final loan approval.

· Tracked loans at all times, including using Encompass system to clear any remaining conditions, and prepared loans for closing.

· Followed-up with borrowers by answering phone calls, emails and kept them posted on loan status.

· Provided support and interact with Loan Officer's, Underwriter's, Counsel and title companies by ensuring the timely, judicious and accurate processing of mortgages.

· Ensured compliance with company policies, underwriting guidelines and lending program requirements.

ESSIONAL EXPERIENCE

RBC BANK (GEORGIA) N.A., Raleigh, NC 07/2018 – 05/2020

Mortgage Processing Specialist

· Process residential mortgages and secured lines of credit to primarily RBC Canadian clients who have U.S. financing needs for primary homes, 2nd homes or vacation properties or clients looking to add investment U.S. non-commercial real estate positions to their portfolios.

· Process loans accurately and timely within RBC and or Investor policy guidelines.

· Complete accurate and timely updated to the Loan Origination System in Calyx supporting vendor supplied servicing systems to reflect current status of files.

· Effectively communicate and update the status of loans with CBMA’s, Underwriters and borrowers to make sure their loan file will close smoothly.

· Process Initial Disclosures and Re-Disclosures for borrowers to proceed with processing of their loan file and also when a loan needs to be locked, increasing loan amounts, address changes, etc…

· Processed Conventional loans in a professional setting by reviewing and verifying borrower's income, credit reports, loan applications, employment histories, property appraisal and title insurance to prepare for underwriting submittal

· Provide great customer service and excellent communication skills.

· Followed-up with borrowers by answering phone calls, emails and kept them posted on loan status.

· Ensured compliance with company policies, underwriting guidelines and lending program requirements.

WELLS FARGO, Raleigh, NC 04/2018 – 07/2018

Research/Remediation Analyst, (Contract thru Randstad USA)

· Responsible for a group of low risk bankruptcy accounts and applying Bankruptcy Code requirements to loan accounts.

· Responsible for low level account analysis.

· Recommend foreclosure or other outside action.

· Negotiate with attorneys and/or debtors where permissible.

· Work directly with the court personnel, file appropriate documents/forms with the court.

· Working on Special Projects team.

· Provide great customer service and excellent communication skills.

MCKESSON HEALTHCARE, Raleigh, NC 11/2017 – 02/2018

Benefits Reimbursement Insurance Specialist, (Contract thru RemX)

· Verifying patient health insurance benefits for current and upcoming new year to make sure it’s the same or different benefits.

· Updating and entering correct benefit insurance information in the Salesforce system.

· Communication with various primary health insurance companies to confirm health benefits.

· Provided great customer service and possessed excellent communication skills.

FIRST CITIZENS BANK, Raleigh, NC 05/2017 –11/2017

Mortgage Loan Processor

· Processed Conventional, FHA/VA, and USDA loans in a professional setting by reviewing and verifying borrower's income, credit reports, loan applications, employment histories, property appraisal and title insurance to prepare for underwriting submittal.

· Entered accurate data in automated approval system (DU/Encompass), associated documents and reviewed results for discrepancies.

· Resubmitted with updated information and clear conditions before submitting to U/W for final loan approval.

· Tracked loans at all times, including using Encompass system to clear any remaining conditions, and prepared loans for closing.

· Followed-up with borrowers by answering phone calls, emails and kept them posted on loan status.

· Provided support and interact with Loan Officer's, Underwriter's, Counsel and title companies by ensuring the timely, judicious and accurate processing of mortgages.

· Ensured compliance with company policies, underwriting guidelines and lending program requirements.

LENNAR HOMES, Raleigh, NC 08/2016 – 11/2016

Sales/Closing Coordinator, Contract

· Updated Closing information for customers closing dates in a JD system to make changes/updates to any information about the

customer.

· Prepared closing packages that includes Lennar paperwork, and customer keys to their new home to deliver to attorney’s offices.

· Updated reports from an Excel spreadsheet with customer information, neighborhood the customer moving to and losing dates.

· Scheduled based on customer needs, and provided appropriate policies for them.

· Provided great customer service and possessed excellent communication skills.

ALLSTATE, Raleigh, NC 03/2015 – 03/2016

Licensed Sales Producer (Ins Agent)

· Provided appropriate advice to strengthen the link between the client company and client security.

· Maintained proper data for each client, their needs and dates for renewal and new business of policies.

· Processed customer accounts for auto and homeowners’ policies. Also helped customers calculate the monthly rates, giving them the best way to collect payment or periodic rates payable by the customer.

· Scheduled based on customer needs, and provided appropriate policies for them.

· Generated additional business for the company by providing information about the latest update’s customers.

· Provided great customer service and possessed excellent communication and sales skills.

PROSPERITY HOME MORTGAGE, Raleigh, NC 10/2013 –12/2014

Mortgage Loan Processor

· Processed Conventional, FHA/VA, and USDA loans in a professional setting by reviewing and verifying borrower's income, credit reports, loan applications, employment histories, property appraisal and title insurance to prepare for underwriting submittal.

· Entered accurate data in automated approval system (DU/Encompass), associated documents and reviewed results for discrepancies.

· Resubmitted with updated information and clear conditions before submitting to U/W for final loan approval.

· Tracked loans at all times, including using Encompass system to clear any remaining conditions, and prepared loans for closing.

· Followed-up with borrowers by answering phone calls, emails and kept them posted on loan status.

· Provided support and interact with Loan Officer's (HMC), Underwriter's, Counsel and title companies by ensuring the timely, judicious and accurate processing of mortgages.

· Ensured compliance with company policies, underwriting guidelines and lending program requirements.

PROFESSIONAL EXPERIENCE, CONTINUED

PROFESSIONAL EXPERIENCE, CONTINUED

WELLS FARGO, Raleigh, NC 09/2012 –10/2013

Mortgage Loan Processor

· Processed Conventional, FHA/VA, and USDA loans in a professional setting by reviewing and verifying borrower's income, credit reports, loan applications, employment histories, property appraisal and title insurance to prepare for underwriting submittal.

· Entered accurate data in automated approval system (CORE), associated documents and reviewed results for discrepancies.

· Resubmitted with updated information and clear conditions before submitting to U/W for final loan approval.

· Tracked loans at all times, including using CORE system to clear any remaining conditions, and prepared loans for closing.

· Followed-up with borrowers by answering phone calls, emails and keeping them posted on loan status.

· Provided support and interacted with Loan Officer's (HMC), Underwriter's, Counsel and title companies by ensuring the timely, judicious and accurate processing of mortgages.

· Ensured compliance with company policies, underwriting guidelines and lending program requirements.

WELLS FARGO, Raleigh, NC 05/2012 – 08/2012

Loan Servicing Specialist, Contract

· Assisted and interacted with foreclosure department, title insurance companies and foreclosure attorneys to ensure timely resolution of pre-origination title issues.

· Updated appropriate systems (CPI/MSP, LPS) with findings of litigation, title issues, and document request solutions.

· Reviewed all loans with upcoming foreclosure holds to ensure the proper disposition of each asset.

· Evaluated and analyzed HUD 1 Settlement Statements, lien releases, judgments, and subordination agreements to assist Real Estate Attorneys deliver timely foreclosure proceedings to their client

· Examined title search, title commitments, and title policies to ensure the accuracy of document records required for the fulfillment of curing title defects and/or filing title claims by foreclosure counsels.

· Analyzed and dissected over 400+ loan files in assigned portfolios to make proper determination of foreclosure process to eliminate/ minimize lenders financial losses.

· Systems used: LPS/CPI/MSP/Fidelity, Lit Tracker, and Database Tracking System, etc.

MUTUAL OF OMAHA, Raleigh, NC 04/2011 – 04/2012

Insurance Agent

· Sold and assisted customers with Life, Med Supps, Disability, Critical Illness, Long Term Care, Medicare Advantage, etc.

· Knowledge and understanding insurance guidelines and products.

· Required strong communication, negotiation, persuasive and work ethic skills.

· Excellent sales and customer service skills.

ALCOVA MORTGAGE, Raleigh, NC 03/2009 – 03/2010

Mortgage Loan Officer/Processor

FIRST INTEGRITY MORTGAGE, Raleigh, NC 08/2004 – 08/2008

Mortgage Loan Officer/Processor

· Processed, originated, & closed FHA/VA, USDA, Conforming/Subprime, Reverse Mortgages (HECM) loans in a professional setting.

· Ordered, reviewed/analyzed and verified Credit Reports, VOE's, VOM's, VOD's, Appraisals, Title Insurance and various other documents as needed from customers.

· Knowledge and understanding mortgage guidelines for FHA/VA, Fannie Mae, & Freddie Mac.

· Required strong communication, negotiation, and work ethic skills.

· Explained benefits of various programs to customers and by having knowledge of benefits able to close sale easily.

· Evaluated and ensured overall loan documents are accurate, complete, and compliant; reviewed financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan to value) and all other documents.

· Established and built a lot of referrals/client based by setting up meetings with different Realtors and Builders.

· Advertised, market mortgage products with brochures and flyers with Builders and Realtors.

· Pre-underwrite all mortgage loan types.

· Acknowledged and distinguished any documents was fraudulent and true real documents

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