Data Entry Customer Service

Ariana Poore

*** ******* ***.

Braselton, GA ****7

Telephone: 919-***-****

Email: ******.*****@*****.***

Objective: To obtain a professional position within the residential mortgage industry where my responsibilities can be utilized as well as my experience, communication, managerial, and leadership skills.

EDUCATION:

Centura College (Tidewater Tech): Virginia Beach, VA Bachelor's Degree of Science in Business with a Concentration in Allied Health Management ACCSCT Accrediting Commission of Career Schools and Colleges of Technology Date of Graduation: May 2014 Tidewater Tech: Virginia Beach, VA Associate's Degree Medical Office Assistant and Management ACCSCT Accrediting Commission of Career Schools and Colleges of Technology Date of Graduation: July 2008

Asheville High School, Asheville, NC High School Diploma Date of Graduation: May 2005 WORK EXPERIENCE:

Annie Mac Home Mortgage Branch Operations Manager-2/2021- Current

Keep Loan Originators & Processors aware of all program updates and changes and system changes as they come from the corporate office.

Assist Loan Originators with scenarios.

Review and submit new loans for approval

Ensure PreCDs are sent out timely

Work with Processing Department to assist with files in process

Assist post-closing in clearing stipulations which have escalated beyond their level of expertise.

Manage the loan pipeline to make sure it stays consistently moving

Review all new submissions/set correct expectations with Processing and Loan Originators of what will be needed on the submission to get it through the process quickly, issue disclosures and make sure they are priced correctly and meet all compliance requirements.

Restructure loans when needed.

Review all appraisals before sent off to underwriting.

Review all loans before a denial can be issued to make sure we have no other options.

Calculate commissions on loans to be paid to Loan Originators.

Running reports to show submissions, fallout, and fundings.

Handle daily escalations

Attend Manager meetings

Hold Pipeline Meeting with each employee weekly

Lock all loans with correct rate sheet, make sure all locks are done correctly, request

"change of circumstance" for locked loans with corporate to make sure there are not any cost to cures applied.

Watch locked loans to make sure they do not expire

Work with corporate for issues with underwriting, compliance & closing to resolve any issues with the branch. Communicate with investors and FHA to guide staff and to ensure that the division's loans are acceptable to the secondary market and the insuring agencies. Review division's files as needed to ensure that the highest quality underwriting is delivered.

Direct Mortgage Loans LLC Corporate Senior Processor/Jr. Underwriter-10/2020-2/2021

• Processes residential mortgage loans (FHA, VA, Conventional, purchase, refinance, Jumbo, Housing) under various programs in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements.

• Work in Encompass System

• Maintains a pipeline of loans and is responsible for the timely and compliant flow of such loans through the process.

• Obtains and reviews necessary loan documentation and submits complete packages to Underwriting for loan approval.

• Monitors and ensures closing dates and company deadlines are met.

• Communicates with loan officers, buyers, sellers, title companies, builders and agents.

• Obtains and verifies that all underwriting conditions are received and cleared by the underwriter and prepares the file for submission to the Closing Department.

• Distributes and exchanges information with other team members, follows up with customers, refers customers to appropriate person(s), composes correspondence and memorandums.

• Provides excellent customer service by effectively communicating and cooperating with all internal and external customers.

• Keeps abreast of changes in policies and procedures, standards and regulations applicable to the company and the mortgage industry. Understands and applies local, state and federal regulations related to processing mortgage loans.

• Complies with all company policies and procedures.

• Pre-Underwrites new submissions and able to clear conditions

• Able to review, analyze and calculate qualifying income documentation from personal tax returns to more complex business returns.

• Review and analyze property valuations.

• Review and analyze assets and credit reports.

• Runs DU, LP, MI and non-conforming products/programs. PrimeLending Mortgage- Raleigh, NC 27612, Operations Team Lead/Jr. Underwriter-9/2016- 10/2020

Primary liaison between the loan officer, loan officer assistant, realtors, builders and the customer.

Manage a team of 8-10 employees

Serve as back up in the absence of Operation Manager

Pre-Underwrites incoming files

Able to clear to close files

Proficient in all MS office programs including Teams

Weekly pipeline reviews with processors and loan officers to make sure timelines are met

Encompass experience

5 years of Pipeline Management 11 years of Senior Processing with retail Monitors the pipeline report daily making sure all turn times are within the allotted window to close on time.

Jumps in escalated loans to get them closed on their closing date

Assign Loans out to processors

Point of contact for escalations and resolving in a timely manner to provide the best customer experience.

Oversees interviews with the manager

Trains new onboarding processors

Reviews files to make sure they are within guidelines for Quality Control audits and resolves any questions that may come

Makes sure teams are updated on new guidelines and policies to stay in compliance.

Develops and maintains knowledge and comply with company policy and secondary market requirements pertaining to credit/security standards and regulatory requirements relative to conventional, government and self employed loans, among others; industry standard conveyance/settlement procedures; current real estate laws and appraisal requirements.

Keep abreast of changes in policies, standards and regulations applicable to the work unit.

Understand and apply local, state, and federal regulations relating to processing mortgage loans.

Helps with processor goals and training as needed. Holds processor group meetings as need to ensure all training, skills, and knowledge are current.

Gives daily positive motivation for the team to build a strong relationship/culture for the company and customers.

Attends manager meetings for updates and strategies to make procedures more efficient with proper goal setting

Maintains knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers.

(RESPA, TILA, TRID, Regs)

Maintains and updates loan application information within loan origination software and other applications.

As applicable, orders appraisals, title, survey, verifications, and any other items required for loan approval; conducts regular follow-ups with outside sources regarding outstanding documents.

Verifies the data collected, analyzes, and decides whether it meets guidelines or if other documentation is needed; documents communication through the conversation log; ensures loan application is in compliance with underwriting, investor, RESPA, and HMDA guidelines. • Calculates income, reviews assets and liabilities.

Reviews all disclosures for completeness and compliance.

Reviews clients documents, disclosures, title work, homeowners insurance and corrects any discrepancies.

Completes final evaluation and analysis of completed application packages and submits eligible files specifying any applicable conditions.

Monitors rate lock information for data integrity and expiration dates; communicates discrepancies to the Loan Officer.

May maintain an accurate pipeline to ensure proper projections, closings, and regulatory compliance with Company, Federal, and State standards.

May prepare, when applicable, "Declination Letters." Ensures accurate disclosure of the reason(s) for the adverse action as soon as it is determined that applicants do not qualify.

May schedule closing appointments with respective parties (i.e. title companies, closing attorneys, corporate closing department and customers etc.)

Meets customer service standards as outlined by management.

May facilitate training of junior or newly hired processors regarding specific Prime operations including file flow, loan origination software, and other applications.

Updates loan officer, loan officer assistant, realtors, builders and customers on loan status.

Maintains communication with customers throughout the loan process, assisting them with any questions and notifying them of any additional requirements.

Maintains a professional image and adheres to standards consistent with company policies and procedures.

Other duties as assigned

Experience in Fannie Mae/Freddie Mac and FHA/VA policies and guidelines, as well as, Regulatory Mortgage Compliance, state, federal, local government, private investors and insurers.

Able to learn all operating systems and possess the ability to facilitate training. • Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related programs.

Able to interact effectively with branch, regional and corporate personnel, as well as realtors, sales agents, builders, appraisers, title companies, etc.

Creates and Sends out Pre CDs to borrowers 3 days before closing

Submits processing packages to USDA, NC Housing, And VA for review . Creates NC Housing closing packages

Prosperity Home Mortgage- Raleigh, NC 27609, Senior Loan Processor-7/2015- 9/2016

Processes residential mortgage loans (FHA, VA, Conventional, purchase, refinance, Jumbo, Housing) under various programs in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements.

Work in Encompass System

Maintains a pipeline of loans and is responsible for the timely and compliant flow of such loans through the process.

Obtains and reviews necessary loan documentation and submits complete packages to

Underwriting for loan approval.

Monitors and ensures closing dates and company deadlines are met.

Communicates with loan officers, buyers, sellers, title companies, builders and agents.

Obtains and verifies that all underwriting conditions are received and cleared by the underwriter and prepares the file for submission to the Closing Department.

Distributes and exchanges information with other team members, follows up with customers, refers customers to appropriate person(s), composes correspondence and memorandums.

Provides excellent customer service by effectively communicating and cooperating with all internal and external customers.

Keeps abreast of changes in policies and procedures, standards and regulations applicable to the company and the mortgage industry. Understands and applies local, state and federal regulations related to processing mortgage loans.

Complies with all company policies and procedures.

Pre-Underwrites new submissions

Current with RESPA guidelines.

Able to review, analyze and calculate qualifying income documentation from personal tax returns to more complex business returns.

Review and analyze property valuations.

Review and analyze assets and credit reports.

Runs DU, LP, MI and non-conforming products/programs.

Able to work in a paperless, automated and fast paced environment.

Able to multi-task to complete various tasks required.

Possess excellent verbal and written communication skills.

Team player and can work effectively with loan officers, underwriters, closers and field personnel.

Computer savvy and knowledge of Microsoft applications

DU/LP underwriting experience.

Organized and detail oriented individual.

Self-motivated, resourceful individual.

USDA Rural Development- Sanford, NC 27332, Area Technician-1/2015- 7/2015

Assists the SFH Team leader to facilitate processing of direct Single Family Housing (SFH) loans.

Processing and servicing of loan and/or grant portfolios.

Provide appropriate information to applicants regarding program regulations, guidelines and eligibility requirements.

Review applications and supporting documentation for accuracy, completeness and compliance with agency regulations.

Prepare and maintain loan files.

Prepare a variety of information, statistical data and narrative reports related to portfolio activity.

Office and records management, receiving and date stamping incoming materials, assisting in maintaining inventory office supplies, and equipment lists, and performing initial file development and documentation for direct SFH applications.

Assist with the input of critical application information into UNIFI underwriting software.

• Enters 502 and 504 applications into UNIFI and requests all required verifications, • Tracks the progress of application processing.

Works with other SFH team members to support the overall activities and objectives of the agency and goals established for the Sanford Sub- Area office.

Presents application to specialist when ready for eligibility determination.

Process payments consistent with procedural requirements and funds management of 504 repair accounts

Takes lead role in monitoring material needed for closing, coordinates closing with applicant and closing attorney, prepares and send closing packages to attorney as applicable

Completes post-closing reviews on closed direct 502 and 504 loans

Processes CSC queues as assigned on a daily basis and completes tasks within 5 days to include scheduling reviews for TSQ, processing paid in full transactions, Initiating payment assistance reviews, re-amortizations, and debt settlements. PNC Mortgage- Jacksonville, FL32256, Mortgage Operations Senior Processor-4/2013- 1/2015

Develops and maintains knowledge and comply with PNC policy and secondary market requirements pertaining to credit/security standards and regulatory requirements relative to conventional, government and self employed loans, among others; industry standard conveyance/settlement procedures; current real estate laws and appraisal requirements.

*** Experience processing Conventional, Purchase, Rural development, HARP,FHA and VA loans***

Keep abreast of changes in policies, standards and regulations applicable to the work unit.

Understand and apply local, state, and federal regulations relating to processing mortgage loans.

Promotes and provides excellent customer service by effectively communicating and cooperating with all internal and external customers.

Distributing and exchanging information with others; working with confidential information, following up with customers, referring customers to appropriate person(s), composing correspondence and memoranda. Prepare documents and forms with accuracy and attention to detail.

Functionality and operation of software programs (i.e. word processing, spreadsheet and database) sufficient to perform job duties. Use of Automated systems for processing in order to verify and ensure the accuracy of data input/output.

Interpretation and application of loan processing policies and procedures in order to correct errors and resolve discrepancies. Apply Principles, practices, and regulations applicable to mortgage lending and secondary market.

Knowledge of appraisal and underwriting process.

Complete assigned work to meet deadlines in a high production environment.

Studies a situation and decides on a course of action based on analysis and within scope of authority.

Contributes to productivity of the team through mentoring newly hired processors.

Assist Team Manager with day to day functions.

Wells Fargo Home Mortgage- Jacksonville, FL32256, Mortgage Loan Doc Specialist 4- 10/2010- 4/2013

Review documentation to ensure completeness and accuracy with regulations, policies, and procedures.

Ordered all required verifications.

Provided guidance and training to other team members.

Review credit data documents (credit report, assets, employment, etc.). • Prepare and submit a loan package for the underwriter to review. . Excellent written and verbal communication skills.

Ability to analyze documents and solve problems. . Working knowledge of Microsoft Office, Excel and outlook

Experienced in Conventional loans, FHA loans, VA, Purchase, GSA, LDP, ELSP . Calculated fees on all loans before closing. . May act as a liaison between lenders and legal department . Well trained in Loan Information Systems (LIS)

Call or write to the credit bureau and employer to verify and update accuracy of information.

Reviews appraisal for accuracy

Communicate daily with borrower/customers, attorneys, and insurance agents

Experience managing a pipeline of work

Experience discussing loan documentation over the phone

Experience interviewing customers, knowing when to probe for details Experience working with disgruntled customers

Data entry into multiple systems of record

Ability to prioritize and maintain a large volume of work

Strong computer/data entry skills

References upon request

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