Loan Processor Data Entry

Tracy Riley

**** ******* ** ********* ** ***** 704-***-****) *************@*****.***

Professional Summary:

Articulate Litigation/Mediation & Bankruptcy driven to succeed. Strategic planning and client relationship management expert.

Core Qualifications:

Six Sigma Classes Expert in Bankruptcy/Litigation

Expert in BKFS (LPS) Account Management

Operations management Client Relations

Client-focused Creative Problem Solving

Quick learner CRM Systems

Proficient (SQL; E-Compass Customer Needs Assessment

Microsoft Office Basic Java Results-oriented

Reports generation and analysis Multi-Task Management

Contract negotiation/review/drafting Project Management

Training and development Tax Preparation

Legal (mortgages) Home Retention Guidelines

Presently in College Master Degree May 2020

Experience:

Processor Mortgage /Java and Tester Trainee

October 2016 to April 2018

Accenture Technology

●Built relationships with customers and kept them informed of the mortgage process.

●Reviewed 1003 applications and requested the needed documentation.

●Identified risk by reviewing financial income and debt as well as credit; Recommend completed files for final approval

●Ensured government and state laws and guidelines were followed with in the mortgage lending process

●Training in basic Java using methods of variable declarations

●Basic Training in SQL by setting up queries and grouping and data entry

●Basic Testing of software

CSR Analyst

April 2016 to Jan 2017

Veterans Affairs

●Reviewed veterans intake documents which consisted of medical records; rate of pay to place a monetary value on disabilities

●Identified material deficiencies or issues including identification of inconsistencies.

●Identified risk and offsets in pay rate; completed reports and investigated case files for accuracy.

●Conversed with attorneys and other interested parties to build a business relationship of trust.

●Ensured government and state laws and guidelines were followed when making a decision on veterans disabilities

●Signed off on leave pay and disability amounts; Cohobated with colleagues to develop a software application to make a smoother process.

●Recommended files for final approval by upper management; Created and maintain document data base.

●Setup and managed paper electronic file systems; recorded and updated information by using various applications

Document Analyst II

Dec 2015 to March 2016

Wells Fargo Bank

●Clearly communicated overall process or transactions quality and provide feedback to contacts.

●Identified material deficiencies or issues including identification of inconsistencies.

●Identified risk and offsets and develops solutions for the set time frame.

●Examine documents and credit reports, escrows, mortgage documents for the initial review.

●Ensured government and state laws and guidelines were followed; Checked for title reports for assignments.

●Signed off on documents contesting to their accuracy; Reviewed work done by others.

●Recommended files for revisions; Presented findings to colleagues and upper management

●Developed charts and graphs to report findings; Collaborated with team members to bring forth a positive solutions.

Customer Relationship Manager/Analyst - Bankruptcy & Litigation

July 2010 to October 2014

Bank of America

●Manage and analyzed Bankruptcy& Litigation accounts to make sure government and Investor guidelines are being implemented doing the mortgage processes.

●Applied state and government laws doing the mortgage qualification period for customers.

●Review tax returns, 4506T, Dodd Frank and Request for Modification for accuracy.

●Examine documents and credit reports for the initial review.

●Communicate government programs to customers and foreclosure process. Built quality relationship with customer to bring forth a positive business relationship for the bank.

●Provide underwriting guide lines and managed the processes.

●Preparer Legal Case for Home Retention and Mediator for BOFA court cases.

●Loan Processor

August 2010 to June 2011

Mortgage Loan Processor

Wells Fargo Mortgage - Charlotte, NC

●Processed Conventional and FHA Mortgage Loans in a wholesale environment.

●Ensuring that all state guidelines on rules and regulations are being followed.

●Checked for accuracy on the 1003 Application

●Verified income, work history, tax returns and credit report to ensure clients were in compliance for the loan.

●Resolving any problems that arise pertaining to special client issues.

●Set closing and Fund loans.

Tax Preparer (Seasonal)

April 2008 to June 2019

SaltMarch & Associates tax Company - Charlotte, NC

●Tax Preparer Conducted interviews with tax clients whom may be negative or emotional to compile information to derive at the clients filing and financially statues. Prepared/ process 1099

●Analyzed tax clients financial income and debts to apply appropriate Federal and State tax laws

●Prepared tax returns that included referring to required documentation such as information reporting documents and limited schedules

●Effectively communicated to the tax clients their responsibility to the Internal Revenue Service Transmitted tax returns using a web base program that transmit to the Internal Revenue Service

●Reviewed transmission reports for all decline tax returns and refund returns

●Analyzed the rejected returns to located denial codes sent by Internal Revenue Service

●Corrected errors on tax returns and retransmitted rejected returns;

●Process and printed refund check for tax clients and advised tax clients there.

Appraisal/Title Analyst Mgr.

January 2005 to January 2009

TransUnion - Charlotte, NC

●Manager Customer Service & Appraisal/ Vendor Management s supervised a team of 35 in house employees and over 160 vendors out of office and ensuring that all rules and regulations are being followed and administered daily to include performance evaluations.

●Handling escalated issue through interaction with vendors, customers and clients within internal/external operations to coordinate appraisal reviews and obtain reports in a productive turnaround time.

●Maintain team production and workload to ensure that all pipelines are being effectively worked while

●Providing tools essential for functioning effectively within the department.

●Meeting facilitators and agenda coordinator to cover guidelines changes and updates through presenting all resources available reflecting the change.

●Tracking time/attendance and handling H.R issues.

●Producing reports and ensuring that all guidelines and goals are being met.

●Assisted in writing.

Closing Coordinator/Paralegal

January 2003 to January 2005

Atlantic aka Transunion - Charlotte, NC

●Prepared closing packages and forwarding them to the Attorney/Title Agent in a production turnaround time

●Ensuring accuracy of the borrower's information; also in registration, processing, funding, and posting closing.

●Retail/Subprime mortgage loans coordinating.

●Wholesale FHA loan closing

●Calculated all line items for the Good Faith Estimated and assured accuracy

●Prepared Truth in Lending States consisting of annual interest rate, finance charges, amount finance and

total payment for the length of the loan

●Checking borrowers debt to income ratios by using mathematic formats to assure mortgage guidelines are being enforced

●Interacted with customers by taking loan application 1003 for processing a mortgage loan.

●Compiled and verified customers work history, and verified income from IRS by submitting a 4506T form

●Assisted attorney with closing by conducting the closing process paperwork explaining the closing documents to the borrower.

Assurance/ TransUnion Lien Clearing Team Leader

January 2001 to January 2003

Atlantic Assurance AKA Transunion - Charlotte, NC

●Implement new Lien Clearing Department after showing an increase in business by analyzing a six month history of Title reports using Excel software.

●Increased the company probability margin by 28% allowing the growth for new employees to be hired

●Trained new Lien Clearing employees on how to review Title reports and research Liens and judgments by using web base Internet

●After locating the lien or judgment on court records we verify the validity by name, social security number, license or written consent

●The lien or judgment is paid off or items dispute by us for our client

●Once we have the lien or judgment clear we then send a legal document to the court of record to release the lien or judgment

●Resolved complexly issues and assisted hostile clients for the team

●Scheduled time off request and update monthly events calendar.

Examiner Coordinator

December 2000 to January 2001

Atlantic Aka Transunion Settlement - Charlotte, NC

●Reviewing and examining information gathered by abstractors in regards to a search of the borrower's

●property, which consists of the existing documents of record at the court house and verifying the validity of the documents

●Process the mortgage information and arranging the documents in a standardized order that shows all information pertaining to the property in the order which it was occurred.

●Allowing lenders to review and decide if the customer can be approved for a loan or if they need to clear

●any outstanding exceptions.

●Liens, judgments or the title issues, closing relationships with institutional lenders/abstractors.

Education:

Computer Software

New Horizon Computer Center - Charlotte, NC

Micro-soft Word, Lotus, Excel, Power Point, Publisher, and Access

SQL Basic, Java Basic coding

Watterson Technical Institute

Coursework in Accounting, Financial Planning, Business Management

Diploma: General Studies

Grainger High School - Charlotte, NC

Eastcoast Bible College Charlotte, NC

Andersonville Seminar Georgia

Northwest Seminary (presently in Master Degree program)

Professional Affiliations:

North Carolina Paralegal Association

Ordained Minister Corpus Christi Faith Church

Owner of Tracy Baldwin Ministry

Accomplishments: Author of Let's Get Naked

International and National Evangelist

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