TAMMY KILMER

adrwl4@r.postjobfree.com 616-***-****

PROFESSIONAL

SUMMARY

Self-directed, independent person, a 20+ year mortgage business veteran. Highly organized with excellent customer service skills. Critical thinker with an eye for checking important mortgage documents for accuracy, able to prioritize projects especially when problems arise and a solution must be found. Tenacious, versatile, team player and a quick learner.

SKILLS

Creditworthiness Determination

Loan File Review

Notary

Byte Mortgage Software

Financial History Analysis

Automated Underwriting System (AUS)

General Office Programs

Encompass Mortgage Software

WORK

HISTORY

OCTOBER 2020-JUNE 2022

Remote-Mortgage Loan Closer CMG Mortgage San Ramon, CA

-Maintained frequent communication while providing exceptional customer service

-Collected and recorded all information in a timely manner

-Managed and resolved any concerns, problems, and documentation issues

-Updated/validated loan data to ensure loan documents are accurate/complete in preparation for closing: (TRID) compliant

DECEMBER 2018-OCTOBER 2020

Remote-Customer Retention Representative Spectrum Communications Grand Rapids, MI

-Retained existing customers and expanded their existing services

-Utilized computer technology and multiple software applications

-Reviewed and clearly explained pricing/plans/new products

-Met or exceeded monthly sales goals

FEBRUARY 2016-DECEMBER 2018

Loan Delivery / Funding Specialist VanDyk Mortgage Grand Rapids, MI

-Worked to streamline processes to reduce errors, improve accuracy and efficiency

-Utilized various DPA Programs in multiple States/Counties

-Formed and maintained Excel Spreadsheets to generate daily and monthly reports

-Created miscellaneous legal documents; deeds, assignments, releases, etc.

-Quality control for proper and complete information on returned documents

-Conformed to all TRID / CFPB policies

AUGUST 2006-FEBRUARY 2015

Notary / Mortgage Closing Agent Self Employed Grand Rapids, MI

-Scheduling and logistics of various appointments

-Responsible for billing / invoicing / accounts receivable

-Stayed abreast of new procedures/policies

-Closed an array of mortgage products

-Reviewed and executed confidential documents, contracts, disclosures, and various other legal documents

-Was discrete, professional, punctual and well-organized

FEBRUARY 2003-MAY 2005

Office Manager / Mortgage Closing Agent Nations Title Agency Grand Rapids, MI

-Created/reviewed settlement statement from lender's instructions

-Audited/resolved post-closing issues in an immediate manner Identified and prioritized the key issues to bring a closing to a successful conclusion

-Examined Title Commitments, cleared title requirements, reviewed Surveys, and other title-related documentation Proactively contacted borrowers directly obtaining required documentation

-Conducted closings with borrowers, realtors, lenders, and attorneys

-Received/disbursed funds

SEPTEMBER 2001-JANUARY 2003

Senior Mortgage Loan Processor Concord Funding Corporation Grand Rapids, MI

-Set up and completed loan submission packages.

-Collected appropriate documentation to clear conditions set by the underwriter

-Responsible for entire end-to-end mortgage loan process

-Reviewed approval from underwriting and cleared conditions

-Assisted Mortgage Loan Originators in understanding conditions

-Managed workload by monitoring newly received loans as well

as tracking work in process

-Trained new loan processors, ensuring they understood the expectations

FEBRUARY 1998-SEPTEMBER 2001

Conventional Loan Underwriter B&P Mortgage Company Grand Rapids, MI

-Reviewed/evaluated loan documents to determine if buyer, property, and loan conditions were met

-Approved or rejected loan applications or requested additional information/documentation

-Certified all conditions were satisfactorily met prior to closing

-Completed functions in accordance with program requirements, company standards, and related legal and regulatory requirements

-Performed other job-related duties as assigned

EDUCATION

FEBRUARY 2007

Associate of Science: Business

Ashford University, San Diego, CA

Contact this candidate