Funding Specialist Mortgage
Resume:
Garland, TX *****
***********@*****.***
TERI JEFFREY
OBJECTIVE
Highly accomplished and dedicated professional with more than 20 years of experience in the mortgage industry. Due to a company-wide restructure, my department was eliminated in my last position, and I am currently seeking an opportunity where I can utilize my skills and experience. Through my work ethic, dependability, and willingness to take on new challenges, I am confident that I am a positive contribution to help achieve company goals and objectives.
SKILLS & ABILITIES
Strong communication (written and verbal), analytical, and decision making skills
Team oriented with the ability to interact and work effectively with all levels of professionals within and outside of the organization
Ability to handle multiple priorities and meet deadlines with quality in a fast-paced environment
Values the importance of time management and confidentiality
Demonstrates a sense of urgency and takes initiative
Exceptional interpersonal skills
EXPERIENCE
FUNDER, TEXAS CAPITAL BANK
12/2017 – 6/2021
Ensured Service Level Standards were maintained for the purchase of mortgage loans submitted to funding
Ensured the mortgage loans were accurately purchased from the Correspondent Seller by validating the loan purchase calculations as well as the loan data
Validated closing and funding documents in order to accurately determine purchased loan balances and first payments due to Texas Capital Bank
Wired funds to the Correspondent Seller while maintaining all necessary internal, client, and regulatory compliance requirements
FUNDER, MORTGAGES USA
1/2013 – 12/2017
Reviewed all loan documents for completeness and accuracy
Reviewed signed loan documents to maintain compliance with Federal, State and Local law, as well as company policies and procedures
Validated signed loan documents for correct signatures, Notary information, Title reports and Escrow instructions
Ensured underwriter signed off on all prior-to-funding stipulations and resolved any pre-funding complications that may have occurred
Reviewed and approved HUD-1 Settlement Statements from the closing agent
Prepared wire transfer instructions and validated loan amounts, fees, rates, discount points, broker rebates and other funding related data
Ensured all work was of quality and within compliance of company policies and procedures, as well as investor guidelines
UNDERWRITING SUPPORT - CREDIT SPECIALIST, FANNIE MAE
2/2009 – 12/2012
Performed a variety of underwriting support functions to assist in managing customer operational and loan level credit risk
Drafted repurchase letters and responded to lender rebuttals
Followed up with lenders on outstanding loan file request. Maintained open correspondence with management regarding status of current and aged caseloads
Performed periodic analysis and review of data
Updated reporting to ensure that information is accurate, complete, and accessible for senior management
Input loan data to determine compliance with Federal and State laws
LOAN ANALYST, WMC MORTGAGE
7/2005 – 11/2008
Maintained comprehensive knowledge of WMC loan programs, procedures, and lending guidelines
Reviewed loan file conditions, within a 24-hour SLA, based on underwriting approval
Worked with brokers to provide alternative documentation effectively, as needed
Made business decisions based on validation of conditions, income calculations, appraisals, and credit reports, etc.
Prepared loan files for submission to the Funding Department
Funded a minimum of 80-100 loans per month, depending on upstream production
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