KRISTY TEDESCO

**** ****** ******, *** ******, TX 75056

469-***-****/adta5q@r.postjobfree.com

CAREER PROFILE

Motivated, detail- and results-oriented professional with 24+ years of mortgage lending experience providing exceptional internal and external client service. Recognized for achievements in leadership and productivity. Demonstrated history of diligent and quality work, as shown in promotions and offers of regular employment from original and temporary roles. Proven oral and written communication skills to work effectively and build positive relationships with customers and contacts at all levels of an organization. I am currently looking for a professional work from home position that I can flourish in.

AREAS OF STRENGTH AND EXPERTISE

Data Entry

Analytical Skills

Technically Savvy

Time Management

Remote work

Multi-Tasking

Document Management

Dependable

Teamwork/Independent work

Adaptable

Problem Solving

MS Office Programs

Accurate Typing

Quick and Eager to learn

Accountability

Professionalism

Relationship Building

Customer Support

Excellent Verbal and Written Internal and External Communication

Clerical Experience

Databases

Ring Central

PROFESSIONAL EXPERIENCE

Change Wholesale Lending May 2021 to March 2022

Senior Account Manager Remote Position

Diligently and successfully manage a pipeline consisting of 100+ loan files for some of the highest producers and at any given point in time while providing the highest level of customer service and support.

Maintain an individual pipeline of loans

Process loans from set-up to closing in an organized and timely manor

Provide Underwriting Approval to the Broker along with documents to be wet signed by the borrower

Review document checklists to ensure completeness and accuracy of loan file prior to re-submitting to the underwriter

Review the Appraisal and update the system accordingly, and request the Desk Review

Review title documents including any HOA documents

Update files contacts and pull the Fraud Report

Request the Initial Closing Disclosure

Build relationships with Brokers and deliver a high level of customer service

Organization

Multi-Tasking

Non-QM, FHA, Conventional, VA Loans

Sprout Mortgage October 2020 to May 2021

Account Manager Remote Position

Diligently and successfully manage a pipeline consisting of 100+ loan files for the highest producers and at any given point in time while providing the highest level of customer service and support.

Maintain an individual pipeline of loans

Process loans from set-up to closing in an organized and timely manor

Provide Underwriting Approval to the Broker along with documents to be wet signed by the borrower

Review document checklists to ensure completeness and accuracy of loan file prior to re-submitting to the underwriter

Review the Appraisal and update the system accordingly, and request the Desk Review

Review title documents including any HOA documents

Update files contacts and pull the Fraud Report

Request the Initial Closing Disclosure

Build relationships with Brokers and deliver a high level of customer service

Organization

Multi-Tasking

Non-QM, FHA, Conventional, VA Loans

KIDS R KIDs April 2019 to August 2019

Preschool Teacher

Preschool Teacher working with 12 month to 18 month children. In using the Big Steps Curriculum, the teacher addresses the needs of each toddler through the sign language program, pre-literacy skills, curriculum activities and lessons, indoor and outdoor physical activities, small group activities, developmental appropriate practices, and sensory play. Teachers have the children practice literacy through sign language, books, puppet play, music, singing, games, and conversation with peers and teachers. Teachers help the children’s cognitive skill blossom with a multitude of activities designed to unleash their inquisitive and creative nature.

Kohls October 2018 to April 2019

Store Associate

When hired at Kohls, a retail store, I was hired as a seasonal employee for Thanksgiving and Christmas Holiday’s. After the Holidays were over, I was offered a Store Associate position. I worked in the following departments of the store: Home and Kids, Men’s, Woman’s and Juniors, Electronics, and Shoes. In each department I was required to keep the clothes folded and the department looking presentable to the customer as well as obtain the clothes tried on in the fitting rooms to put back on the floor to be sold. I was also required to obtain any clothing returned to Customer Service to put back on the floor to be sold for each department. I also worked at the cash register helping the Customer check out and make sure that their visit with Kohls was pleasant and they were able to find what they were shopping for.

Key Accomplishments:

Trained to work in Jewelry

Great Western Home Loans, Plano, TX February 2017 to December 2017

Loan Processor

Drove FHA, Conventional, Investment Property, Jumbo, Purchases, Refinances, Day 1 Certainty, Home Possible, and Home Ready by swiftly collecting and processing documentation while working closely with the Loan Office and the Loan Officer Assistant. Once the documentation was collected from the borrower I calculated the income for W-2 and self-employed borrowers’, ran the Fraud Report, pulled the AVM on the Appraisal, and updated the assets from the documentation received from the borrower and re-ran the loan through the AUS System, LP, DU, or DO. I also collaborated with the closing team, title companies, and borrowers to close loans. I am well versed in Day One Certainty, Home Possible, and Home Ready loan programs.

Key Accomplishments:

Awarded for clean submission files

Provided the opportunity to work from home one day a week

Supreme Lending, Dallas, TX June 2015 to November 2016

Purchase Clearer

As a Purchase Clearer the focus was to clear all suspense's from the Investors on the loans in a timely fashion. Worked Conventional, FHA, VA, USDA, Texas Cash Out, Jumbo, and Bond Loans with the Investors for Purchase. Be able to read and understand AUS Findings, such as DU, LP, and GUS as well as the documents that went with all loan programs. The main programs utilized were Encompass, XDoc, Microsoft Word, Microsoft Excel, Microsoft Outlook, and different Investor Website Platforms to perform my job duties.

Key Accomplishments:

Recognized as the top Producing Purchase Clearer for Supreme Lending for numerous months.

Train new hire Purchase Clearers.

Mentor to new Purchase Clearers

Nationstar Mortgage, Irving, TX February 2015 to May 2015

Closing Coordinator

Focus was on refinances. The loan was sent to the underwriter after loan set up and after I reviewed the loan file and figured the income. Worked with the borrower to collect the documents required to approve and close the loan as quickly as possible. I then calculated the income and updated the assets in the LOS System, Encompass, and ran the loan back through AUS Systems, such as DU, DO, and LP and read the findings to see if additional documentation may be needed from the borrower. Once final loan approval was obtained, I then drew the closing documents to be sent to the title company. Once the loan had the closing documents drawn, I then coordinated with the borrower and the title company for a time for closing.

Capital One, Plano, TX 2012 to 2014

Specialty Loan Processor

Drove FHA, Co-op, Conventional, Investment Property, USDA, Jumbo, Purchase and Refinance Loans by swiftly collecting and processing documentation. Once the documentation was collected from the borrower, I calculated the income and updated the assets from the documentation received from the borrower and re-ran the loan through the AUS System, LP, DU, or DO. I also collaborated with title companies and borrowers to close loans.

Key Accomplishments:

Recognized as top team leader and producer for numerous consecutive months.

Aerotek, Plano, TX 2010 to 2012

Temporary Loan Processor at Capital One

Temporary Contract Foreclosure Specialist at Bank of America

Working as a temporary/contractor for Aerotek, was placed on two assignments. First at Bank of America, this ended due to cutbacks in the Foreclosure Department. The second was at Capital One, resulting in direct hire.

Key Accomplishments:

At Capital One, was hired directly from original temporary role to a regular, full-time position.

At Bank of America, helped homeowners avoid foreclosure by expediently posting payments to accounts.

Mercantile Mortgage Corporation, Richardson, TX 2002 to 2010

Senior Loan Processor

Drove FHA and Conventional Loan processes by expediently preparing and distributing initial, detailed loan documents for buyers. Obtained required documentation and verifications, ordered appraisals, and ensured validity of information provided on loan documents. Pre-qualified borrowers for new home purchases.

Key Accomplishments:

Initially hired as Loan Officer, was later promoted to Loan Processor and again to Senior Loan Processor.

Led activities of Broker’s office for six months.

EDUCATION

Collin County Community College, Frisco, TX

Northlake College, Irving, TX

REFERENCES

Please ask and I can provide.

Contact this candidate