Senior Mortgage Loan Processor
Resume:
Canica Kelly
Senior Mortgage Loan Processor
Irmo, SC 29063
***********@*****.***
To obtain a permanent position within an established organization, which will allow me to utilize my license, education, diverse experience, skills and knowledge for the advancement of the company’s goals.
• 21 years experience in Mortgage Banking, Mortgage Loan Processing and Mortgage Operations
• Extensive experience utilizing Empower, Encompass, CoreLogic, SharePoint, Veri-Tax, Mavent and Data Verify
• Proven expertise with TRID compliance, FNMA & FHLMC guidelines
• Ability to multitask high volumes of pipeline, maintaining a high degree of quality compliance and accuracy
• Self-starter demonstrating a strong sense of urgency meeting Service - Level Agreement expectations
• Exceptional interpersonal, communication and written skills
• Organized, detailed oriented and extremely dependable
• Proven ability to research and resolve complex issues
• Ability to work both independently and as a team member
• Coach and develop other representatives on product and procedures Willing to relocate: Anywhere
Authorized to work in the US for any employer
Work Experience
Business Process Management/Specialist, Mortgage Loan Processor Santander Bank, N.A. - East Providence, RI
January 2021 to May 2022
· Managed a large pipeline of assigned loans, including purchases and refinances.
· Ordered credit supplements, completed credit deletions and reviewed credit reports for any new debt obtained.
· Reviewed title, recording of deed, homeowners insurance policies, and tax certificate breakdowns for accuracy.
· Satisfied conditions placed by underwriting to guarantee closing of loan. Consistent communication with borrowers.
· Updated assets and liabilities. Ensured debt to income remained in compliance with FNMA/FHLMC guidelines.
· Communicated with title insurance companies and attorneys to ensure closing process SLA meets expectations.
Senior Associate Ops/Mortgage Loan Processor
WNS Global Services, Inc. - Columbia, SC
August 2020 to December 2020
· Verified borrowers information from the 1003/1008/FHA/Loan Transmittal.
· Run DU/LP, reviewed conditional approval letter, AUS findings and CoreLogic credit report.
· Calculated borrowers income and expenses including pay-stubs, W2’s and 1040.
· Adhered to agency guidelines for FNMA & FHLMC and other investors Conventional, FHA, VA, USDA etc.
· Ordered and reviewed various third party vendor documents required (e.g. Appraisal, Title, HOI, Flood Certificate, Work Number VOE, Fraud Guard/Other Risk Mitigation reports etc.)
Member Service Representative
Palmetto Citizens Federal Credit Union - Irmo, SC
January 2020 to August 2020
· Provided accurate, friendly and professional service to members in person and by telephone, including handling deposits, loan payments, transfers, withdrawals, and other financial transactions.
· Assisted members with account research and maintenance; answer account and service related questions.
· Maintained an accurate knowledge of security procedures and internal controls.
· Developed knowledge of products and services to assist members with solutions to their financial needs.
· Retained a balanced and secured cash drawer, balanced supply of tickets, and other consigned items. Customer Service Representative
Spinx - Irmo, SC
May 2019 to January 2020
· Helped to ensure compliance with merchandising, pricing, food service and administrative requirements established by The Spinx Company.
· Protected the assets of Spinx including cash and inventory.
· Balanced cash drawer, process money orders and ensure that safe drops were kept consistently throughout shift.
· Adhered to all company policies as well as all local, state and federal regulations with regard to age- restricted sales.
· Provided all customers with fast, friendly and accurate service. Ensured that each customer was well respected and left the store feeling appreciated.
Electronic Data Specialist II (Contract)
Aflac - Columbia, SC
September 2017 to August 2018
· Responded to questions from outside customer’s, agents and premier brokers; ran various ad-hoc reports and queries as requests; tracked service standards and submitted a weekly report on findings.
· Entered annual premiums into the system and verified rate; organized agent data in a separate file for submission; identified and researched premium discrepancies to determine the correct information and took appropriate action to correct any incorrect data.
· Accurately converted electronic enrollment data into the appropriate format to allow upload to the production system.
· Tested, reviewed and approved files in a test environment prior to loading data into the production environment.
Compliance Specialist III (Contract)
Aflac - Columbia, SC
May 2017 to August 2017
· Responsible for creating all escalated Certificate, Schedule Page, Specimen request for Department of Insurance, and In-house claims.
· Researched problems regarding compliance forms and insurance certificates using multiple systems and databases.
· Exemplified personal knowledge of products, processes, codes, and terminology to troubleshoot issues.
· Maintained effective and accurate online records, databases (e.g. SharePoint, CRM, Work-Flow and Genelco)
Mortgage Loan Quality Control Specialist (Contract) South State Bank - Columbia, SC
September 2016 to December 2016
· Validated loans complied with applicable federal, state and local regulations.
· Audited 40-50 loans per week with a minimum 4% error margin.
· Reviewed MERS Annual Review/Reconciliation for quality results.
· Performed adverse action quality on mortgage loan file reviews.
· Ensured that the final file is complete and provided within defined time-frames, including all required disclosures.
Loan Servicing Specialist III (Mortgage Operations) Wells Fargo Bank - Columbia, SC
August 2015 to April 2016
· Processed default claims according to company and investor guidelines to ensure maximum reimbursement.
· Reviewed and corrected errors identified by Audit in a timely fashion, while complying with banking guidelines.
· Contacted appropriate resources to clarify or obtain additional information needed to accurately file claims.
· Monitored lender requests, calculating figures and meeting all deadlines related to these requests. Mortgage Loan Processor II (Mortgage Operations)
First Citizens Bank - Columbia, SC
December 2014 to February 2015
· Assisted mortgage loan applicants throughout the loan process to ensure all submitted documents met underwriting requirements.
· Secured verification’s (employment, income, rental, mortgage, credit) from outside vendors and resolve any discrepancies.
· Aggressively managed a pipeline of loans by prioritizing based on projected closing date and ensured that loans closed prior to approval expiration and/or rate lock expiration. Mortgage Loan Processor II (Mortgage Operations)
TD Bank - Lexington, SC
July 2012 to January 2014
• Managed a large pipeline of assigned loans, including purchases and refinances.
• Reviewed files from underwriting, resolved outstanding conditions, ensured file compliance and prepared closing packages.
• Communicated with Title Insurance companies and Attorneys to ensure entire closing process SLA meets deadlines.
• Heavy communication with Mortgage Loan Officer's and borrowers regarding the updated process of their purchases and refinances.
Education
Some College in Accounting
Midlands Technical College - West Columbia, SC
Skills
• Underwriting
• Banking
• Accounting
• Loan processing
• Mortgage servicing
• Credit analysis
Languages
• English - Expert
Contact this candidate