Toyia Giles
Mortgage Analyst / Junior Processor Administrator
Assists the Processors with obtaining loan documents, credit documents, third party verifications, follow up of verifications, and set up of loan files for processing. Strong planner and problem solver who readily adapts to change, works independently and exceeds expectations. Able to juggle multiple priorities and meet tight deadlines without compromising quality. **********@*****.***
SKILLS
Microsoft Office
MS Word Data Entry
Office Management
Records Management
Filing and Document
Processing
Executive Support
WORK EXPERIENCE
Answer inquiries from the clients regarding judicial procedures, court appearance, trial dates, adjournments outstanding warrants, collect and post payments to clients account. Assists Public Defender Attorney with the application process and help gather all critical information to help with caseloads and assign cases according to Clerk of Court guidelines. Prepare daily reports for corrections submitted by the courts indicating the nature and the number of cases opened and closed in the preceding month.
SR. RELEASER / PURCHASE AUDITOR
AFFILIATED MORTGAGE COMPANY
Audited mortgage lenders’ closed loan files, reviewing legal and credit documents ensuring state and Federal Fair Lending. Audit of Closed Loans based on GNMA, FNMA and VA Guidelines. Entered all financial information and decision making in work station application. Identified excessive risk, fraud or misrepresentation. Extracted data and documented images from a variety of systems. Assist Lenders with problems and aid solutions to problem by reviewing additional documentation according to guidelines. Analyzed a sample of 10% of closed loan files (retail and wholesale) for compliance with federal regulations
(ECOA, RESPA, etc.) and prepared the Findings Reports for management. GOVERNMENT INSURING ANALYST JP
MORGAN CHASE HOME FINANCE
Government Insuring, Audit of Closed Loans based on GNMA, FNMA and VA Guidelines Request wire transfers with supporting documentation and letters for funding and entered all financial information and decoding in work station application while identifying excessive risk, fraud or misrepresentation. Contact major closing agencies for the collection of different mortgage documents, set up spreadsheets and send off emails and fax with the information for the collection of the mortgage documents. VA special projects aiding the Armed forces. Select, train and direct department supervisors and other associates as necessary, keeping them well versed in all policies and procedures for maintain Military Service Department and assisting Soldier’s with their mortgage needs and aided solutions to homeowners. EDUCATION
04/1991 – 06/1994
Nursing
ULM
QUALIFICATION DATA ENTRY OFFICER
FOURTH JUDICIAL PUBLIC DEFENDER OFFICE
03/2010 – 12/2013
03/2007 – 03/2010
MORTGAGE ANALYST / JUNIOR PROCESSOR
NEW REZ, LLC
03/2013 – 08/2020
Assist with gathering all required information to process mortgage loan applications in a timely manner. Review and analyze all provided documents to determine acceptability. Contact borrower after initial file review to retrieve missing documents or signatures, including follow up with 3rd party services to ensure receipt of orders and accuracy of documents. Order all necessary documents to complete the loan file including: employment verification, title, appraisals; obtain payoffs and releases, credit reports, OFAC, flood certs, homeowners insurance, and other required documents.
Maintain open and regular communication with MLOs and Processors to provide updates on the status of files worked.
Other managerial responsibilities and duties as assigned. 08/2020 – present