Customer Service Mortgage Consultant
Resume:
Plymouth, MA *****
C: 508-***-****
*********@*******.***
VICKI JO BARBIERI
PROFILE A Banking industry professional with solid experience in all aspects of Residential and Consumer Lending, LOS administration, customer service, staff supervision and training.
SKILLS & ABILITIES Proficient in the use of the Encompass LOS, EasyLender LOS, Excel and Word programs. Strong customer service background as the point person for loan processing and underwriting with customers, vendors and internal / external auditors.
EXPERIENCE MORTGAGE CONSULTANT – GUARANTEED RATE INC., CHICAGO, IL 10/26/2020 to 06/14/2022
• Work in a team environment managing a pipeline of 40 – 75 loans for up to 4 Loan Officers in a fast-paced environment. Turnaround time of 30 days from loan opening to closing requires a detailed knowledge of industry guidelines, individual Investor guidelines and precise communication skills with both internal and external customers. Company guidelines included contacting customer within 24 hours of loan being assigned to MC via welcome email and phone call. Files submitted to underwriting within 7 days or less.
• Accountable for the pre-underwriting of loan files by requesting the correct documents from customers and vendors based on guidelines for conventional, FHA, VA and individual investors to facilitate a smooth and timely review of the borrower’s loan file.
• Function as the point person with each loan customer coordinating the timely collection of documents, answering customer questions and resolving issues for the borrower.
• Request and monitor the timely receipt of required documentation from vendors including Attorney’s, Appraisers, Insurance Agents and Real Estate Brokers.
• Monitor the pipeline to ensure that loan files are on track for commitment dates, lock dates and closing dates.
LOAN ANAYLYST, RESIDENTIAL LENDING DEPARTMENT – SALEM FIVE MORTGAGE COMPANY, PLYMOUTH, MA
2015 – 2020
• Work in a team environment managing a pipeline of 40 – 75 loans for up to 5 Loan Officers in a fast-paced environment. Turnaround time of 30 days from loan opening to closing requires a detailed knowledge of industry guidelines, individual Page 2
Investor guidelines and precise communication skills with both internal and external customers.
• Accountable for the pre-underwriting of loan files by requesting the correct documents from customers and vendors to facilitate a smooth and timely review of the borrower’s loan file. Responsible for reviewing files to confirm loan is within guidelines for program selected during the pre-underwrite.
• Function as the point person with each loan customer coordinating the timely collection of documents, answering customer questions, and resolving issues for the borrower.
• Request and monitor the timely receipt of required documentation from vendors including Attorney’s, Condominium Associations, Insurance Agents, and Real Estate Brokers.
• Monitor the pipeline to ensure that commitment dates and lock dates are met by reviewing files and completing underwriter requests. ASSISTANT VICE PRESIDENT/RESIDENTIAL & CONSUMER LOAN OFFICER – SOUTH SHORE BANK, WEYMOUTH, MA
2004 - 2015
• Manage the banks Residential & Consumer loan department ensuring adherence to all secondary market and bank underwriting guidelines.
• Supervise and train employees in the processing, underwriting and post-closing aspects of Residential & Consumer Lending.
• Function as the point of contact and manage the banks Correspondent Lending program.
• Assess and underwrite residential mortgage requests to industry guidelines. Review and authorize policy exceptions as requested by Correspondent Loan Officers.
• Function as the Department System Admin for the Encompass Mortgage LOS and the EasyLender Consumer LOS. Responsibilities include the set-up of new products, update and design documents as necessary, work with the LOS Help Desk to resolve system issues.
• Prepare the monthly FAS, Volume and Net Profit reports for Senior Management.
• Work with the Loan Servicing Department to ensure correct set-up of loan files and resolve customer issues.
EDUCATION CURRY COLLEGE, MILTON, MA
BA Business Management - 2000
REFERENCES Provided upon request.
Contact this candidate