Loan Manager Processor
Resume:
Sybil C. Sands
Norcross, GA 30093
adp063@r.postjobfree.com
Professional Summary
Over 15 years of skilled professional all-encompassing mortgage experience
Adept office and loan management experience with an emphasis on shipping, commercial and residential mortgage
Refined computer skills with a high understanding of mortgage document software computer programs
Over 10 years of front-end mortgage processing and closing experience
Available with notice-in person or phone interview appreciated
Technical Skills
MS Office, Windows XP & 10, FHA, Conventional, UNIFI systems, FEMA, Lexis Nexis, USDA/GUS, 4506t, 1003, VA, Jumbo, and Piggyback, Calyx, Encompass and Empower mortgage software system, Quality Assurance, Customer Relations, Office Administrations, Office Management
Work History
Avondale Mortgage – Contractor, Atlanta June 2021 to November 2021
Sr. Loan Processor
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through the automated underwriting system
Acted as the facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Spoke with borrowers to update on status of loan
Quality Control to ensure files are within federal guidelines and adhere to banking authority compliance
Maxwell – Contractor, Atlanta February 2021 to June 2021
Sr. Loan Processor
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through the automated underwriting system
Acted as the facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Spoke with borrowers to update on status of loan
Quality Control to ensure files are within federal guidelines and adhere to banking authority compliance
Acopia Home Loans – Duluth, GA (Contractor) July 2020 to February 2021
Sr. Loan Processor Remote
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through the automated underwriting system
Acted as the facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Spoke with borrowers to update on status of loan
Doing quality assurance reviews for selected files to help prepare for audits
Aiding the post-closing department review files for accuracy prior to funding
Quality Control to ensure files are within federal guidelines and adhere to banking authority compliance
SunTrust now Truist – Contractor, Atlanta, GA
Mortgage Loan Coordinator Remote March 2020 – July 2020
Validate all supporting documentation provided meets AUS/LQS guideline standards
Review all income, credit and asset documentation provided for VA, FHA, USDA, Doctor and or Premier loan products match figures used in application
Respond to loan officers regarding loan status/questions
Review file to determine if transitioned to UW, Processing or sent to NOI to obtain further documentation needed
Reviewed a minimum of 7 loans a day
Success Mortgage Partners Inc, Duluth, GA February 2015 – March 2020
Sr. Loan Processor/Loan Officer Assistant for Branch Manager –
Remote from May 2019 to February 2020
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through the automated underwriting system
Acted as the facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Input applications into Surveyance, kept data base of clients, kept calendar current, ordered office supplies
Doing quality assurance reviews for selected files to help prepare for audits
Aiding the post-closing department review files for accuracy prior to funding
Quality Control to ensure files are within federal guidelines and adhere to banking authority compliance
SunTrust Mortgage, Atlanta, GA March 2013 - January 2015
Sr. Loan Processor Remote
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through the automated underwriting system
Acted as the facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Doing quality assurance reviews for selected files to help prepare for audits
Aiding the post-closing department review files for accuracy prior to funding
Quality Control to ensure files are within federal guidelines and adhere to banking authority compliance
Crescent Mortgage, Atlanta, GA February 2012 – March 2013
(Contract)
Loan Manager – Submissions Group
Communicated with brokers to ensure information is accurate
Worked in FHA Connection ordering and transferring case numbers as well as logging appraisals
Handled case queries to determine if loans are eligible for the reduced MI
Validated information in the system and imported 1003 into the USDA system to run GUS prequalification’s
Ordered 4506t
BB&T Correspondent Lending, Norcross, GA September 2011 – January 2012
(Contract)
Loan Documentation Specialist – Post Closing
Data entry input into UNIFI System, while reviewing files for thoroughness and completeness to help prevent company losses. Assuring that all closing/legal documents are accurate and received within the specific timeframes
Quality Control to ensure files are within federal guidelines and adhere to banking authority compliance
Researched Fraud guard results that come back with critical findings by searching FEMA, County property records of subject property state, Secretary of State Business websites and Lexis Nexis to resolve the critical findings. As well as doing 411 and Superpages searches to ensure correct business address and phone numbers.
Contacted correspondents to obtain any documents that are missing, incomplete or illegible
Maintained an excellent working relationship with affiliate bank representatives
Wells Fargo Home Loans, Atlanta, GA
(Contract) August 2010 – July 2011
Loan Documentation Specialist III
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through the automated underwriting system
Acted as the facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Managed a large pipeline with a high percentages of closings
Bank of America, Buford, GA February 2010 – July 2010
(Contract)
Home Service Specialist II
Ordered titles, appraisals and credit reports, and gathered documentation from the borrower to run the information through Clues automated underwriting system
Acted as facilitator of information between real estate agents, loan officers and underwriters to ensure a smooth loan process for the borrower
Amerisave Mortgage, Atlanta, GA June 2009 – February 2010
Mortgage Loan Processor
Processed a high volume of mortgage loans in a paperless environment
Synovus Financial Corp / Bank of North Georgia Mortgage April 2001 – May 2009
Senior Loan Documentation Processor III – Commercial Post Closing
Logged files in from our affiliate banks once they come into the commercial post-closing department
Reviewed loan files for thoroughness and completeness to help prevent company losses
Quality control review of files to make sure that the documents adhere to banking authority compliance and are within federal guidelines
Maintained an excellent working relationship with affiliate bank representatives
Marketing Assistant
Administrative duties included scheduling meetings, creating letters and other documents
Created power point presentations
Input borrower information in Empower system
Contacted borrowers, attorneys and appraisers to obtain all necessary information for the coordination of a smooth loan process
Maintaining database
Assisted Loan Originator locking loans and obtaining rate
Loan Shipping Administrator
Quality assurance review of loan packages for completeness and accuracy to ensure compliance with banking authority and federal guidelines
Contacted attorneys, title companies, insurance companies, processors and borrowers to obtain missing and incomplete documents, to help prevent company losses due
Senior Loan Processor / Office Manager
Functioned as receptionist initially, quickly progressing within the company during my tenure
Input loans into Calyx mortgage software system
Processed FHA, Conventional, VA, Jumbo, and Piggyback Loans for the top producer in the company
Pipeline consisted of 40 to 50 loans per month
Contacted prospective borrowers to obtain necessary information to process file, as well as, attorneys’ offices, employers and other institutions as needed, ordered flood certifications, appraisals, title requests and credit reports, put together file packages to be sent to Underwriting, coordinated with underwriter to satisfy conditions
Conducted closing packages, included doing notes and deeds, coordinated with closing department to send packages to them once loans were closed and funded, coordinated the daily administrative functioning of the office, including maintaining supply inventory and properly functioning office machines, Distributed and reconciled petty cash
The Village South, Miami, FL September 1994 – January 2001
Program Coordinator/Case Manager
Progressed with the company during my tenure, initially functioned as Administrative Assistant and Clinical Administrative Assistant as well
Coordinated the daily administrative functioning of the facility, including ordering office supplies, purchasing food items and kitchen supplies for the facility, conducted quality improvement monitoring to ensure compliance with governmental and state agencies, shifted responsibilities of department personnel in order to meet the priorities of the agency, attended Administrative Court Hearings with clients,
Performed needs assessment on each client, devised case management service plans and facilitated Life Skills Groups with the clients
Prepared various clinical documents, letters, memos, reports, created forms as necessary, as well as maintaining client files
Assisted with personnel matters that included but are not limited to obtaining background checks, setting up and assisting with interviews
Prepared Power Point Presentations for meetings, Prepared travel arrangements and made preparation of meetings for the Director, distributed and reconcile petty cash
Education
BS, Sociology w/ Minor in Psychology – 108 Credit Hours Earned-University of Miami
AS Business Software Technology-Brown Mackie College
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