Customer Service Loan Processor

TAMMI JONES

Concord NC Cell: 404-***-**** **********@*****.***

Self-directed, resourceful and enthusiastic professional with a genuine interest in fostering career and social growth. Strong record of relationship building leading to long-term profitable business partnerships. Comprehensive experience in all phases of successful in the Mortgage Industry including but not limited to; FHA, VA, USDA, Bonds, Conventional, New Construction, Commercial Loans as a leader and team player. Strong communication, presentation, organizational, and problem solving skills with a strong passion for motivation and inspiration to create a fun and challenging career oriented environment

HIGHLIGHTS & QUALIFICATIONS

Communication skills

Policies & Procedures Manuals

Customer Service

People oriented

Problem solving

MS Office

Organizational skills

Ability to work under pressure

Report & Document Management

Knowledge of Administrative procedures

Expertise in mortgage processing, closing, and post-funding

Expertise in Customer Service

North Carolina Notary Public

COMPETENCIES

Prepared Initial Closing Disclosure and Final Disclosure

Performed Welcome Calls to borrower and advised of status of loan application

Schedules loan closing with borrower and Title Company and compiles any types of closing documents

Requested VOE, Wvoe, Master policy, HOI, Payoff Demand, Condo Questionaries' and Limited Review

Verify and updated income, asset and REO’s

Reviewed and analyzed all loan credit, income, asset, and REO documents (1003, Income (Pay stubs, W-2, 1040) full appraisal review, title, flood certificate, escrow details, sales contract, credit reports, asset documents (bank statements, broker statements, gift letters, retirement accounts, etc.)

Inputting information into the system, reconciling with the title companies, verifying fees and generating the closing disclosure within the Trid guidelines

Requested rate lock extension for government loans, ordered case numbers, caivrs, appraisals

Review purchase contract and verify supported documents in the file for earnest money, seller concession, gift funds, lender credits, coupons credit

Prepared and reviewed loan closing packages prior to closing by following the Trid guidelines and ensure the Underwriter stipulation are met

Confirm that necessary documents and cancellation of documents have been filed with the proper record guardians, (i.e. Clerk of Court, Dept. of Motor Vehicles, etc.)

Completes Uniform Commercial Code (UCC) filings and monitors for UCC continuations and cancellations.

Requested rate lock extension

Accurately reconcile funding figures/ and verify wire amount

Adhere to all State, Federal and organizational regulations within the guideline

Helps to serve customers with questions related to the general servicing of their loan or lease

Exceed and maintain proactive review of pipeline to ensure that rate locks do not expire and lender paid rate locks do not exceed maximum dollar threshold set by management.

PROFESSIONAL EXPERIENCE

Account Manager III LoanDepot.com (Remote)-Foothill Ranch, CA 2021-2022

Loan Processor FOOTE CAPITAL MORTGAGE COMPANY (Remote) – Carlisle, PA 2020-2021

Banking Customer Service Representative WELLS FARGO - Charlotte, NC 2018–2020

Loan Processor BEST RATE MORTGAGE - Charlotte, NC 2018-2018

Senior Closer/Remote Closer INDECOMM GLOBAL SERVICE - Charlotte, NC 2016-2018

Closer III ACCENTURE CREDIT SERVICES, INC. – Charlotte, NC 2014-2016

Closer II /Processor SUNTRUST MORTGAGE INC. – Atlanta, GA 2012-2014

Processor ACCENTURE CREDIT SERVICE – Charlotte, NC 2009-2012

EDUCATION

Advanced Career Vocational School/ Business Management- Upper Darby, PA

Applications: Calyx Point, Wilapprove, Adobe, Filnet, Datatrac, Stm, Statusmart, Edge, TS2, EnCompass, Empower, Blitz and Digital docs Servant Leadership Award

RELATED EXPERIENCE

Commercial Lending Closer American Business Credit –Philadelphia, PA

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