Credit Analyst Loan Processor
Resume:
Toni Jackson
** + years of experience in Financial
Operations/Mortgage.
Proven ability to analyze complex
issues.
Attention to detail.
Problem Resolution.
Strong presentation, excellent
communication skills.
Proficient in Microsoft Office Suite,
including Word, Excel, PowerPoint,
and Access
Toni Jackson
Experienced professional with over eleven (11) years in the financial and mortgage industry seeking opportunity to showcase analytical, administrative and organizational skill set. I excel at interfacing with others at all organizational levels while demonstrating exceptional interpersonal, communication and leadership skills.
****.***@*****.***
Charlotte, NC
S K I L L S
E X P E R I E N C E
P R O F E S S I O N A L P R O F I L E
11/2020 – 12/2021: Senior Mortgage Loan Underwriter Accenture – Charlotte, NC
• Gathered required documentation for the review of 100 loan applications per month.
• Underwrote and examined home loan applications on order to maximize organizational profit, while minimizing risk or loss.
• Assessed risk and monitored the property assessment process to determine approval status.
• As leading underwriter, received processor documentation for verification and recommendations.
• Responsible for underwriting loans with FHA, Fannie Mae, Freddie Mac and USDA home refinance entities, pertaining to both conventional and non- conventional products.
• Maintained knowledge of lending requirements for all loan entities to ensure compliance when assessing borrower creditworthiness.
• Facilitated regularly scheduled meetings with management to provide status updates and approval metrics.
• Provided prompt responses to customer service providers regarding customer queries and complaints, providing potential resolution to customer issues whenever necessary.
• Verified pricing, credit, income, and assets to ensure all documentation meets underwriting guidelines.
4/2020 – 7/2020: Mortgage Loan Processor
Movement Mortgage – Fort Mill, SC
• Worked as primary liaison between underwriting team and potential borrowers to obtain and analyze client documentation for mortgage loan consideration.
• Provided regular follow-up meetings with clients to provide status updates and ensure client satisfaction.
• Promptly responded to customer and complaints, providing customer resolution whenever necessary.
• Prepared and presented reports regarding sales and customer satisfaction.
• Communicated decisions to borrowers.
Toni Jackson
2/2020 – 4/2020: Credit Analyst
Robert Half Associates – Fort Mill, SC
• Served as primary point of contact for clients.
• Responsible for processing payments, creating invoices and investigating discrepancies.
• Provided account reconciliations and made corrections as warranted.
• Provided regular follow-up meetings with clients to provide status updates and ensure client satisfaction.
• Promptly responded to customer queries and complaints, providing customer resolution whenever necessary.
• Prepared and presented monthly reports pertaining to accounts payment status.
11/2019 – 12/2019: Senior Credit Analyst
Randstad – Fort Mill, SC
• Served as primary point of contact for clients.
• Responsible for processing payments, creating invoices and investigating discrepancies.
• Provided account reconciliations and made corrections as warranted.
• Provided regular follow-up meetings with clients to provide status updates and ensure client satisfaction.
• Promptly responded to customer queries and complaints, providing customer resolution whenever necessary.
• Prepared and presented monthly reports pertaining to accounts payment status.
10/2015 – 10/2019: Senior Credit Analyst
United Rentals – Charlotte, NC
• Maintained pipeline of approximately 850 National and Strategic accounts
(United States and Canada).
• Evaluated client account data and documentation to determine client creditworthiness.
• Responsible for making final decision regarding account openings and/or closures.
• Conducted thorough data analysis to evaluate processes and coordinated the communication necessary to create awareness, while also facilitating and developing plans of action for improvements.
• Facilitated conference calls with clients and management regarding account concerns and issues.
• Maintained, updated and processed improvements for a knowledge base with unique client requests and solutions.
• Calibrated with peers and leads on other sites of the network to ensure consistent experience to clients.
• Researched and responded to client questions and concerns. Toni Jackson
Toni Jackson
4/2011 to 7/2015: Senior Loan Processor Specialist Wells Fargo Home Mortgage) – Fort Mill, SC
• Assisted with the creation and implementation of an improved job workflow which increased loan submittal rates by 150 percent.
• Managed a daily pipeline of about 75-90 loans; responsible for reviewing loan data in fast-paced work environment while maintaining quality and accuracy levels.
• Performed peer review of 15-20 coworkers work pipelines and documents to ensure compliance and accuracy.
• Processed and evaluated financial documents which would help determine applicant creditworthiness and financial strength.
• Reviewed/monitored financial information provided by clients to determine if any suspicious or unusual activity exists, and, if so, request clarifications when necessary.
• Compiled and prepared statistical data regarding the status of requested mortgage assistance.
• Served as the primary reviewer of complex tax documents to insure that all necessary forms and items were received.
• Provided coaching with peers for developmental purposes.
• Examined tax documents and other financial worksheets to ensure completeness of data; used compiled data to help establish company trend reports and key consumer ratios.
• Verified information listed on application to identify whether additional information is needed.
• Analyzed paystubs, bank statements, and all other required financial and legal documents needed for a potential loan modification for accuracy.
• Communicated directly with borrowers, attorneys, investors and underwriters.
• Prepared and sorted documents in file in my pipeline for underwriting review.
• Responsible for submitting request for loans that need to establish escrow accounts or to have foreclosure sale dates postponed.
• Obtained and reviewed credit reports for both borrowers and non-borrower contributors.
• Requested all fees and costs of a loan that is in active foreclosure.
• Analyzed underwriter results, communicated decision to borrower. 10/2010 to 4/2011: Loss Mitigation Specialist
Wells Fargo Home Mortgage – Fort Mill, SC
• Responsible for taking inbound/outbound calls through Avaya.
• Provide customers with status of loan modifications, special forbearance plans, and scheduled customer’s payments for repayment plans.
• Relayed verbal information from the underwriter, processor, and attorney to the customer about loss mitigation options.
****.***@*****.***
Charlotte, NC
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