Mortgage Underwriter Loan Specialist
Resume:
Leteisha Hicks
Cell 804-***-****
Washington, DC 20010
*******@*****.***
Willing to relocate to: Virginia or Maryland - -
Work Experience
Survey Representative
Health Services Advisory Group, Inc. (Astyra) - Richmond, VA March 2022 to Present
• Performed revealed caller surveys with specialty providers’ offices to collect information on enrollee’s acc to providers throughout the state
• Evaluated appointment availability among the health plans’ networks of providers
• Conducted outbound calls and received inbound calls from providers to update information and provide data
Grants Officer
Virginia Housing Development Authority (Astyra) - Richmond, VA April 2021 to January 2022
• Sending emails and following up to collect missing data to approve or disapprove profiles and applications to approve or deny for rent relief benefits
• Completed process of distributing benefits on behalf of landlords and tenants
• Assisting with GMS technical assistance
Sales Representative
Verizon - Richmond, VA
December 2019 to May 2021
• Communicated the value of our offerings. Developed and forecasted sales plan for projected areas
• Establishing commitments from new SMB customers.
• Proactively managed sales pipeline to sell Data, Voice, Security and Tech Support solutions to SMB customers
• Independently managing prospective customer relationships by partnering with customers to understand their business, industry and competition and presenting solutions with a consultative selling approach.
• Meeting/exceeding revenue objective (and Standards of Performance as reviewed with district manager on a monthly/quarterly basis) consisting of customers in small business product set with Data, Voice, Security, and Tech Support needs.
• Handling all continued improvement/ongoing education as it relates to technical, applications, sales and systems training including completing competency tests.
• Proficiency in using Account Planning and Order Entry systems.
• Was able to showcase product knowledge and address concerns of clients Accomplishments
• Hit and exceeded sales KPIs by 30% for the months of October, November, and December in 2020 Branch Manager
Fast auto loans inc - Richmond, VA
February 2017 to December 2019
• Coordinated with regional director and vice president of operations to ensure daily operations were compliant with company policy
• Multi unit branch manager within Richmond tree-City area.
• Oversee all branch activities including ordering supplies and making schedules to make sure branch is fully staffed. Insure bad debt is at a minimum while growing the branch according to company expectations.
• Interviewed,hired and trained new employees on AS400.
• Ability to communicate clearly and effectively
• Ability to motivate, inspire, and able to close sales.
• Oversee marketing strategies to insure store growth each month
• Assist with the day to day operations of the office including: customer transactions, inventory audits, daily report procedures, cash drawer balancing, and security issues.
• Ability to assist with performing daily and monthly audits to identify & mitigate financial loss and to ensure ongoing adherence with company procedures.
ACCOMPLISHMENTS
• Upon being hired was able to take a low grossing store to the top 5% in revenue in the area within 3 months.
• Mid quarter was the only store able to grow clientele from 3% to 23% within 1 month. Loan Specialist/ Mortgage Underwriter
Suntrust - Richmond, VA
April 2012 to March 2019
• Reviewed and processed applications and documents for possible loans thru Fannie May and Freddie Mac.
• Verified, compiled, and typed application information for mortgage loans: Reviewed residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• adhere to investor guidelines utilizing internal audit methods to coincide with government lending directions from FHA, FHLMC, FNMA and VA
• Review loans and evaluate whether or not they were processed in accordance with HAMP software
• Called, wrote, or emailed credit bureau and employer to verify accuracy of information.
• Entered loan application using Encompass.
• Called specified companies to obtain property abstract, survey, and appraisal.
• Informed supervisor of discrepancies in title or survey.
• Submit mortgage loan application file for underwriting approval.
• Type and mail approval and denial letters to applicants.
• Submit approved mortgage loan file to MORTGAGE LOAN CLOSER for settlement.
• Record data on status of loans, including number of new applications and loans approved, canceled, or denied, using computer.
SOFTWARE
Encompass, Pacer, FIS, HEAT, NewTrak, HAMP
Recoveries Pre legal Collections/ Loan Specialist
Capital one - Chester, VA
January 2012 to May 2018
• Confirmed status of chapter 7,11,13 bankruptcy is reaffirmed, or discharged to determine whether or not to be moved to the next stage of collections.
• Called and emailed existing customers to collect full balances and/ or set up payment arrangements on delinquent mortgages, credit cards, auto and personal loans .
• Submitted request for garnishments, levy's, and liens to satisfy defaulted debt.
• Proven problem solving ability, creativity, and innovation to determine problem areas, identify trends, and provide fresh approach
to make sure financial goals and metrics are met.
• Utilized Skip tracing tools to locate customers with accounts in default to proactively prevent potential legal action by collecting on charged off debt.
• Proven strengths in analysis, planning, and organization to implement new processes and procedures to ensure departmental financial metric goals are met monthly
• Knowledge of desktop office products to produce correspondence, spreadsheets, reports and communication materials to create basics to complex presentations. ACCOMPLISHMENTS
• Promoted from associate to team lead within three months and was able to get promoted to supervising a group of 10 to 12 associates within the legal and loan department for automobile, home, personal loans. Software
• Source forge
• Blackbaud
• Black knight
• Onboard
• GMS
Supervisor
First Street - Colonial Heights, VA
March 2015 to January 2017
* Provide direction and communication to employees so that department calls are answered in a timely, efficient and knowledgeable manner.
* Provides statistical and performance feedback and coaching as needed to team member.
* Ensures employees have appropriate resources to perform their jobs.
* Responds to and resolves employee relations issues expressed by team members.
* Creates and maintains a high-quality work environment so team members are motivated to perform at their highest level.
* Addresses disciplinary and/or performance problems as necessary according to company policy.
* Assist manager by effectively communicating with employees on warnings and makes effective/ appropriate decisions relative to corrective action as required. ACCOMPLISHMENTS
* In a short period 8 months I was promoted from sales representative to team lead. Then supervised 15-20 employees and eventually manager of 35. I have worked with team members to help lower cancellation rates, increase sales while simultaneously improving my own skills and development as well while motivating my peers to become as successful as possible in their roles . Pharmacy Technician
Cvs - Chester, VA
January 2012 to July 2012
* Receive written prescription or refill requests to verify information is complete and accurate.
* Order, label, and count stock of
medications, chemicals, and supplies, and enter inventory data into computer.
* Answer telephones, responding to questions or requests.
* Add measured drugs or nutrients to intravenous solutions under sterile conditions to prepare IV packs.
* Transfer medication from vials to the appropriate number of sterile disposable syringes using a aseptic techniques.
* Supply and monitor robotic machines that dispense medicine into containers.
* Operate cash register
Education
Associates in Business management
Bmcc - New York, NY
1999 to 2002
Skills
• Strategic Planning
• Budget Management
• retail sales
• training
• Marketing
• Powerpoint
• Professional and effective interpersonal skills (10+ years)
• Excel,Microsoft office (10+ years)
• Word
• Collections (10+ years)
• Foreclosure (3 years)
• Conflict Resolution (10+ years)
• Claims review and processing (3 years)
• Negotiations (10+ years)
• Underwriting (7 years)
• Loss mitigation (7 years)
• Quality Assurance/Quality Control (7 years)
• Credit Analysis (7 years)
• Event planning and fundraising (6 years)
• Brand strategy development and management (7 years)
• Bankruptcy laws (4 years)
• Medical Terminology (3 years)
• Familiar with GNMA and FNMA (6 years)
• Black knights loss mitigation (3 years)
• Intel vpro (3 years)
• Leadership
• Management
• E-commerce
• CRM software
• Fair Housing Regulations
• Aseptic Technique
• Internal Audits
• Pricing
• Salesforce
• Nonprofit management
• Software troubleshooting
• Project management
• Supply chain & logistics (7 years)
• SharePoint
• Computer networking
• Telecommunication
• Pharmacy technician experience
• Customer service
• Loan processing
Certifications and Licenses
VCIN/NCIC certified
Present
Additional Information
P&C license
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