Mortgage Loan Processor
Resume:
Aretha Nee-Amartey
Charlotte, NC *****
******@*****.***
OBJECTIVE
To secure a challenging full-time position that provides me with an opportunity to utilize my 19+ years of mortgage lending/credit risk experience and superior finance, analytical, communication, and customer service skills.I am a high energy, efficient, effective, resourceful mortgage professional. My focus on high quality and production enables me to be an extremely motivated team player that strives daily to add value to any organization that I am associated with.
Authorized to work in the US for any employer
WORK EXPERIENCE
Retirement Plan Administrator
Newport Group - Charlotte, NC
June 2022 to Present
Perform duties to implement, track, monitor, and maintain client non-qualified benefit plan accounts, fund investments and distributions.
Develop and maintain a full understanding of day-to-day workflow processes required for client plans assigned.
Facilitate daily transactional activity with the Trustee and trading desk.
Serve as the initial escalation point for participant call center inquires, and has responsibility for responding in accordance with published standards while acting as a liaison with the client and Newport to ensure accuracy of plan recordkeeping and data.
Support all administrative activities as needed for assigned client accounts.
Work under pressure in a very fast-paced environment.
Collaborate with and openly share knowledge with colleagues.
Present information and respond to questions from managers, clients, customers, and the public.
Mortgage Processor III
Computershare - Charlotte, NC
April 2021 to February 2022
Processed residential mortgage loans for 3 different contract lender platforms
Managed and maintained an average pipeline consisting of 30 to 40 CONV loan files
Duties consisted of: reviewing the loan application and gathering required loan documents from the customer and third parties during the loan approval process, based on Underwriting and AUS findings, program parameters and investor guidelines
Responsible for ensuring that all loan documentation is complete, accurate, verified and complies with company and/or investor policies
Successfully work with Loan Officers, Underwriters and Funders to ensure that loan files are submitted to underwriting within expected timelines and that loan conditions are met as required throughout each stage of the loan process
Facilitated the Closing Disclosure (CD) acknowledgment process and coordinated closing schedules/dates with the borrower and title agents/notaries.
Pipeline Manager / SME / Sr. Mortgage Loan Processor
Intercontinental Capital Group - Charlotte, NC
July 2019 to April 2021
Processed residential mortgage loan files from initial application to funding, ensuring timely and accurate packaging of all loans originated by our loan officers
Managed and maintained an average pipeline consisting of 50 to 60 CONV, FHA and VA loan files
Duties consisted of: reviewing the loan application and gathering required loan documents from the customer and third parties during the loan approval process, based on Underwriting and AUS findings, program parameters and investor guidelines
Responsible for ensuring that all loan documentation is complete, accurate, verified and complies with company and/or investor policies
Confirm that data entry in Encompass matches all loan documentation in the file
Successfully work with Loan Officers, Underwriters and Funders to ensure that loan files are submitted to underwriting within expected timelines and that loan conditions are met as required throughout each stage of the loan process
Build rapport with borrowers and provide on-going communication to the customer regarding loan status
Work closely with the Loan Officer to finalize loan structure and ensure accurate figures for the Closing Disclosure to be generated
Prepare file for loan closing and coordinate with all necessary parties involved
Ensure lock and closing dates are met
Close & Fund 45 to 50 loans consistently every month
Mentor and Train New Hires
Assist Sales and Operations staff with any loan specific questions or processing
issues within our branch
Credit Policy Analyst / Sr. Mortgage Loan Processor
Wyndham Capital Mortgage - Charlotte, NC
June 2016 to June 2019
Carry a pipeline of challenging loans that require final approval by VP of Credit Risk Management
Work on aged warehouse line loans that cannot be sold to investors in current state, including but not limited to loan restructuring for eligibility.
Run, review and analyze DU/LP Findings for all Conventional and FHA mortgage loans
Obtain Title, Hazard Insurance, Payoffs and Verifications of Deposit, Rent, Mortgage, Employment
Comply with investor guidelines and overlays to ensure loans are closed in good form and are ready for sale to the investor
Contact borrowers to obtain additional documentation required to satisfy investor purchase/funding conditions
Resolve investor pre-purchase and post purchase loan deficiencies
Monitor and expedite the clearing of difficult loan deficiencies and have weekly meetings to keep progression of the problem loans off warehouse lines.
Assist Credit Risk Manager with resolving RESPA related issues, tracking tolerance cures, and preparing Operations department training materials/presentations
Track investor guidelines for all Wyndham Capital Mortgage products. Identify where loans are placed by working with the secondary market.
Request, review and analyze 3rd party verification documentation to ensure the information provided on the application is valid
Sales Coordinator II / Sr. Mortgage Loan Processor
Pacific Union Financial, LLC - Charlotte, NC
April 2015 to June 2016
Attain a competent level of product knowledge, operational procedural/process knowledge, and overall team strategy
Maintain a high level of expertise of the policies, procedures, seller guide, bulletins and process change alerts
Serve as Back-Up loan processor for team members out on PTO
Effectively communicate with and provide updates to Sales and Operations staff on new loan product/program features including pricing, underwriting and closing guidelines
Provide rapid, accurate answers to Sales and Ops staff, internal or external customers regarding transaction level questions and issues
Review and quickly audit processor assigned loan files to ensure the loans are being worked/touched and the loan notes are accurate and updated throughout the processing of the loan file
Work with VP of Sales and Operations Manager to identify daily, weekly and monthly loan production goals and volume projections
Monitor aged loans, outstanding loan conditions, suspended loan files, expired locks, and work to expedite the final dispositions of stagnant loan files
Mentor, train and coach loan processors to facilitate effective pipeline management and expedite loan file movement
Workflow Coordinator/SME./Sr. Loan Processor/Jr. Underwriter
Wyndham Capital Mortgage - Charlotte, NC
January 2012 to April 2015
Assist each final loan processor with obtaining 10 final approvals every week
Manage and facilitate loan processing movements and touches for an active 400+ loan pipeline
Manage internal loan escalations by working with the underwriting Team Lead to resolve loan issues and difficult loan conditions/STIPs
Answer all status emails from our Sales Partners within the same day
Meet weekly with the Operations Manager to discuss production trends and ways to help improve/streamline our internal procedures and policies
Responsible for processing and managing a pipeline of 30 to 40 Conventional, FHA, VA, High Balance and Jumbo mortgage loans to meet rate lock expiration and closing date deadlines
Review underwriting conditional approvals and obtain the required documentation from borrowers and third parties to satisfy all prior to approval conditions
Review and update a minimum of 15 loan files and obtain a minimum of 2 final loan approvals daily
Request, review and analyze 3rd party verification documentation to ensure the information provided on the application is valid
Run, review and analyze DU/LP Findings for all Conventional and FHA mortgage loans
Address fraud alerts on credit by contacting the borrower to verify their identity
Obtain Title, Hazard Insurance, Payoffs and Verifications of Deposit, Rent, Mortgage, Employment
Learn and comply with investor guidelines and overlays to ensure loans are closed in good form and are ready for sale to the investor
EDUCATION
Master's Graduate Certificate in Accounting
University of Phoenix-Online Campus - Remote
September 2008 to June 2009
Bachelor's degree in Economics
Rutgers University - New Brunswick, NJ
September 1993 to June 1997
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