Loan Processor Customer Service
Resume:
Vanessa Edwards
Senior Mortgage Servicer - USDA - Rural Development
Florissant, MO 63031
adt2qb@r.postjobfree.com
Servicing USDA post CLOSED loss mitigation loans when property has been abandoned or foreclosed To determine who's at fault for loss of damaged property Willing to relocate: Anywhere
Authorized to work in the US for any employer
Work Experience
Compliance Case Manager
Hightlight/SBA - St. Louis, MO
May 2020 to Present
Approving or Declining Small Business loans for the COVID 19 EIDL program for the Small Business Association according to the federal government guidelines, collecting required documents for qualification, figuring cost of goods etc
Quality Review Analyst
DAS Acquisitions/USA Mortgage - St. Louis, MO
January 2020 to May 2020
Auditing Post closed as well as pre fund mortgage loans to ensure all federal, state and lender guidelines are followed and secured also all documents required are signed and dated as required by borrower, Loan Officer, Appraiser etc using Insight and Encompass also Acrobat Adobe Senior Mortgage Servicer
USDA - Rural Development - St. Louis, MO
June 2017 to June 2019
Servicing Home Loan request according to the USDA federal and government regulation including Property Depositions, Loss Claims and Loss Mitigations but not limited to approvals for Purchase Offers and Appraisals etc.
Compliance Specialist
Freedom Mortgage Corporation - St. Louis, MO
January 2016 to December 2016
Auditing residential conventional,, FHA and VA loans according to Federal and State regulations, gathering all pertinent documents as needed to complete the file and submit to Underwriting in a timely manner
Appraisal Coordinator
Red Sky Risk Services/ US Bank - St. Louis, MO
October 2014 to December 2015
Responsibilities
Red Sky is the middle man for US Bank and the appraisers, We establish a repor with the bank, the appraiser and the customer as well as the lenders, reps and processors from all US Banks in the USA and outside that are purchasing and/or Refinancing there homes, scheduling inspections and due dates for the appraisers also increase fees and extend dates as needed according to the closing and rate locks dates ending. Composing messages all while following Policies and procedures fro Freddie and Fannie guidelines as well as USDA and FHA.
Accomplishments
I have several accommodations from the appraisers and Loan Officers for my professionalism and the extent I will go to help get the appraisals completed and to the customers. Skills Used
Time management, Priority Driven, Professionalism, Leadership, Decision Making, Leadership Skills Post Closing Specialist II
Stewart's Lender Services - Coppell, TX
April 2013 to April 2014
Responsibilities
I closed on refinanced loans for our Wells Fargo team which included ordering of all missing documents, HUD figures, scheduling closing date with the attorneys and/or title companies and the customer Accomplishments
I was recognized at our corporate meeting with the CEO's of Wells Fargo Bank by several of there Loan Officer's as being the Closer that gets her job done in a timely manner and also had the best telephone etiquette with our clients.
Skills Used
Fast Learner, detailed, multi-tasker in a fast paced environment Default Reconciliation Analyst JPM Chase
Aerotek - Arlington, TX
October 2011 to October 2012
Reconciling post closed loans to ensure compliance with Fannie Mae and Freddie Mac State and federal regulations
Compliance Finance Auditor
Spherion/Metlife - Irving, TX
July 2010 to August 2011
• Review of mortgage loans for accuracy of documents to ensure in compliance with state and federal laws
• QA files for underwriter after review
• Prepare loans for sale and shipment to Fannie Mae and Freddie Mac
• Order docs if available and not destroyed
• Run daily report as needed
Loan Service Specialist
First Bank
June 2006 to March 2009
• Received loans via mail from various bank locations
• Ordered required documents to close out the loans for disbursements to the customers
• Contacted lawyers in regards to prepared documents.
• Submitted Letters of Credit to the international department in California, making sure the credit approvals have the proper lending authority
Loan Processor
Home Mortgage Solutions - St. Louis, MO
July 2004 to May 2006
• Processed loans and entered applications
• Submitted loans for pre-approval
• Ordered titles, appraisals, and VOR
• Calculated loan to value
• Following the loan through to closing
Title Examiner II
Home Focus Services
December 2001 to July 2004
• Review abstracts of title to determine current vested ownership of real property
• Identified outstanding liens and their position, checked the legal description by lot and block, and provide current tax information
• Maintained order tracking system and assessed judgments and voluntary liens
• Work with title coordinators, underwriters, vendors and attorneys on problem resolutions to deliver final product to the customer.
Customer Service Rep
Commerce Bank
October 1999 to December 2001
• Assisted customers with questions or issues regarding their accounts
• Decision making authority to reimburse fees accumulated by overdrafts Loan Processor
Residential
July 1997 to September 1999
• Processed VA and FHA residential loans by utilizing the Genesis System
• Ordered appraisals, credit reports, and verification documents
• Submitted loan requests to lenders and title companies,
• Input the customers information into the system, quoted LTV amount to customers
• Processed HUD 1 documents
Commercial Loan Processor
J. R. Commercial Capital
March 1995 to July 1999
• Set up the files up, processing commercial loans utilizing the (LPS) Loan Processing System
• Contacted the lenders to make sure money was available to lend
• Collected verification documents and W2's for closing
• Commonwealth Land Title - Title Abstractor
• Investors Title - Proofreader
• Fidelity Land Title - Loan Processor
Education
High school diploma in General
Vashon High School - St. Louis, MO
September 1975 to June 1979
Diploma in Business Management
Tarkio College
Skills
• Customer Service
• Microsoft Office
• Mortgage Servicing
• Fair Housing Regulations
• Escrow
• Loan Origination
• Auditing
• Analysis Skills
• Banking
• Cold Calling
• Credit Analysis
• Loan Officer Experience
• Underwriting
• Phone Etiquette
• Negotiation
• Quality Assurance
• Microsoft Outlook
• Property Management
• Tax Experience
• Research
• User Interface (UI)
• Adobe Acrobat
• Financial Analysis
• Microsoft SharePoint
• Accounts Payable
• Time management
• Quality control
Assessments
Problem Solving — Completed
April 2019
Analyzing relevant information when solving problems. Full results: Completed
Customer Service Specialist — Highly Proficient
June 2019
Responding to customer situations with sensitivity. Full results: Highly Proficient
Sales Skills: Influence & Negotiation — Highly Proficient July 2019
Using influence and negotiation techniques to engage with and persuade customers. Full results: Highly Proficient
Written Communication — Familiar
January 2019
Measures a candidate's ability to convey written information using proper grammar rules. Full results: Familiar
Part-Time Weekend Customer Service Representative / Help Desk — Proficient May 2019
Measures a candidate's ability to demonstrate customer service skills in a call center setting. Full results: Proficient
Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.
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