Charisse Taliaferro-Reed

Sr. Mortgage Processor

Plano, TX 75025

adroby@r.postjobfree.com

+1-248-***-****

Obtain an exciting and challenging position within an organization. Secure an loan operations specialist position in order to utilize banking and finance background to scrutinize financial records to ensure compliance.

Authorized to work in the US for any employer

Work Experience

Sr. Account Manager

FGMC - Plano, TX

March 2021 to September 2021

● Work directly with borrowers to answer questions, understand their needs, and help guide them through the loan process

● Verify information contained in the mortgage application to ensure its completeness and adherence to corporate / regulatory requirements

● Coordinate with the borrower to compile the required documentation pertaining to income, assets, liabilities, employment, and other areas

● Collaborate with title, valuation, underwriting, closing, technology, and other support groups

● Preliminarily evaluate the information provided by the borrower and make recommendations if the loan does not meet the required standards

● Coordinate all third-party services such as survey, appraisal, title, etc.

● Submit completed applications to underwriting and work with underwriting to cure any issues

● Prepare approval and denial letter

● Submit all approved mortgage loan files to closing

● Update various systems of record with critical loan information Mortgage Loan Processor

PennyMac - Plano, TX

May 2020 to March 2021

● Work directly with borrowers to answer questions, understand their needs, and help guide them through the loan process

● Verify information contained in the mortgage application to ensure its completeness and adherence to corporate / regulatory requirements

● Coordinate with the borrower to compile the required documentation pertaining to income, assets, liabilities, employment, and other areas

● Collaborate with title, valuation, underwriting, closing, technology, and other support groups

● Preliminarily evaluate the information provided by the borrower and make recommendations if the loan does not meet the required standards

● Coordinate all third-party services such as survey, appraisal, title, etc.

● Submit completed applications to underwriting and work with underwriting to cure any issues

● Prepare approval and denial letter

● Submit all approved mortgage loan files to closing

● Update various systems of record with critical loan information Executive Admin

Virtual Concierge 4U, LLC - Dearborn, MI

August 2016 to May 2020

● Perform work for senior management teams including administration, HR, appointment and travel scheduling.

● Book venues and additional support team members to assist with specific project led work.

● Process invoice payments and company expenses.

● Prepare budgets, track expenditure and weekly cost reporting while working closely with the Accounting

Dept.

● Perform specific research tasks for Managers.

● Process highly sensitive information and adhere to confidentiality policies.

● Responsible for inputting data, filing and updating databases and contact lists. Mortgage Processor

Flagstar Bank - Troy, MI

January 2016 to July 2018

● Reviewed and requested documents from the mortgage customer to ensure completeness and accuracy of the mortgage loan file.

● Identified conditions and cleared documentation that was inadequate for the Underwriter.

● Provided exceptional customer service for internal and external customers that was consistently recognized.

● Ensured timely order of appraisals, title, flood and insurance documentation for submission to Underwriter in accordance to deadlines.

● Worked closely with mortgage customers and outside vendors to ensure completeness of documentation.

● Reviewed and monitored pipeline reports on a daily and weekly basis, taking appropriate action as needed.

Mortgage Processor

Citibank - Ann Arbor, MI

May 2013 to December 2015

● Informed borrowers of required documentation to be submitted to underwriting for loan decisions

● Rated highly for the outstanding support provided to all internal and external customers, including branch retail staff, loan originators, borrowers and team members.

● Prevented delays by assessing and determining the level of appraisal and title work required on mortgage and line of credit applications and acting when required.

● Ensured collateral was sufficient by reviewing appraisals, valuations and property condition reports.

● Consistently met the three day deadline of Regulation Z delivery target timeframe for appraisal information.

● Verified loan data met HPML and HOEPA threshold Regulation Z guidelines and other compliance regulations.

● Ensured all loan documentation was accurate, complete, and meet federal regulations and investor guidelines in order to avoid loan buybacks in the secondary market prior to submitting to underwriting.

● Reviewed and interpreted AUS findings to determine borrower's ability to repay.

● Received and cleared administrative underwriting conditions needed after loan approval.

● Coordinated with all applicable parties when conditions have been satisfied to move the file to close status.

Client Advocate Online Mortgage Team

Quicken Loans - Detroit, MI

January 2011 to April 2013

● Worked with customers who submitted adverse survey responses relating to their mortgage experiences to fully understand their concerns and provide reassurance of their needs.

● Handled and escalated research matters as well as responded to complex and diverse inquiries via telephone, email and/or written correspondence.

● Researched service concerns, service failures, and resolved any outstanding issues.

● Worked effectively with customers, internal and external partners to answer questions and educate on issues related to company/regulatory processes.

● Documented and tracked work assignments and calls received.

● Collaborated with internal and external partners to ensure client satisfaction.

● Made recommendations for coaching, training, & process improvements.

● Communicated with other departments to research complex issues, consolidate findings, and deliver information to the appropriate party.

● Performed loan audits/scrubs to determine whether expectations were met, document results, and forward recommendation to the appropriate area for processing and/or follow up. Customer Service/Office Manager

State Farm Insurance - Pontiac, MI

September 2004 to December 2010

● Responsible for supervising operations within the insurance practice.

● Assisted agent in all daily tasks.

● Managed staff and handled agent calendar and meetings.

● Ensured client claims are processed in a timely manner and resolved issues that arise during the process

● Handled all pre-screening of potential applicants.

● Ensured all information and documents are received to forward to the Loan Officer for completion of application and approval for underwriting.

Education

3 years in Business Administration, Business

Central Michigan University - Mount Pleasant, MI

January 2002 to December 2005

Skills

• Customer service, communication, team oriented

• Account Management

• Databases

• Human Resources

• Management

• Office Management

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