Account Manager

Terrance Jones

Queen Creek, AZ. ***** 602-***-**** *******@*.*** or ************@*****.***

SUMMARY

Experienced, detail-oriented, decision maker with 17 years of mortgage/lending/managerial experience. Strong analytical and self-motivating skills. Team player with relationships and client services. EXPERIENCE

Loan Depot LLC/Chandler, AZ

12/2019-10/2022

Account Manager

*Manage and ensure that brokers and account executives are initiating and processing mortgage loans according to bank policies and federal law.

*Review loan data before closing document are dispensed to ensure compliance is in order.

*Actively manage accounts pipeline and provide direction to brokers and processors.

*Build and maintain customer base (brokers/realtors) while meeting sales and profit goals.

*Work with management to create a sales strategy and collaborate with investors.

*Notify clients and solve quality issues that may involve program function.

*Knowledge of but not limited to FHLMC/FNMA/VA/CONVENTIONAL and industry guidelines with ability to navigate program guidelines to obtain necessary information as needed. Bank of America/Chandler, AZ

12/2009-12/2019

Home Service Spec III/Processing Underwriter

*Signing authority up to level 3 conditions for initial and final approval.

*Reviewing and approving income, credit, third party reports, property financial and physical information to determine whether the borrower and property meet program requirements.

*Complete a thorough analysis of the loan files to determine compliance with company, investor on Conventional, FHA/VA guidelines.

*Acts as liaison for the borrower, underwriter, loan originator and lender.

*Responsible for providing customers updated and periodic information regarding their loan process.

*Fraud analysis review. Review credit card transactions and inputting data confirming additional review. Legacy Golf Resort/Phoenix, AZ

08/2001-02/2013 (FT and PT) Security Officer

*Secures premises and personnel by patrolling property, monitoring surveillance equipment, and access points.

*Investigates security breaches, incidents, and other alarming behavior. Controls traffic by directing drivers.

*Completes reports by recording observations, information, occurrences, and surveillance activities. First Aid Certified Eagle Nationwide Mortgage/Peoria, AZ

02/2004-12/2009

Senior Loan Officer

*Meet with clients and prepare a mortgage product best suited for their needs ex. Conventional/FHA/VA/Construction/Commercial.

*Assist Clients with completing technical details of the application, loan disclosures, review files for adherence to underwriting standards- ensuring completeness of submission to processing.

*Commercial loan origination and processing.

*Review credit reports and application and confirm lending institutions requirements in order to choose the best lender for the client.

*Collect necessary documentation and act as a liaison between origination staff, processing and the underwriting for the clients.

Education

New York State University/Monroe College-Rochester, NY 06/1988

Associate of Science-Psychology

Baruch College-New York, NY

06/1996

Business Management

Training and Skills

*NYSACRA Professional development training sessions cert

*MS Word & Excel*Lotus Notes*Outlook*Empower*LOS*Data Trac*Sharepoint*Edge*Adobe*Statusmart*MELLO

*Wholesale and Retail Processing*SCIP-Strategic for Crisis Intervention and Prevention*TRID,RESPA,MDIA,HMDA*

*Data Analysis*Mortgage Disclosure and updated guidelines periodically certs*Interpersonal Communication REFERENCES UPON REQUEST

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