Mandy Yow

*** *********** **

Randleman, NC *****

336-***-****

336-***-****

adtij6@r.postjobfree.com

Mortgage Professional

Loan professional of 20+ years, experienced in Conforming & Nonconforming Loans, ARMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA, and TRID. Highly efficient mortgage-closing funding specialist offering 3+ years of experience closing and funding. Expert Encompass user. Highly proficient in running AUS such as DU, LP, and GUS. In addition, ability to calculate income for Self Employed borrowers to include S Corporations, Corporations, Partnership, and Sole Proprietorship. Capable of managing a pipeline of 30+ loans. PROFESSIONAL EXPERIENCE

Fairway Mortgage/ Temp Loan Assistant

Sep o2021 to Dec 2021

Duties was pulling credit bureaus and analyzing profiles to determine what loan program to run AUS approval. Provided a documents needed list to the borrower. Submitted to underwriting, cleared any outstanding conditions. PNC Mortgage/KForce Contract Remote Loan Processor 2/2021 till 5/2021

Reviewed? loan conditions with the borrower to clear the loan for closing. Managed loan file from time of conditional approval to closing coordinating with borrower to obtain outstanding documents required for approval . Empower software USA Mortgage -DAS Acquisition Remote Loan Processor Temp 6/2020 till 1/2021. 40 hours a week.

Reviewed loan application to pull credit, determined if qualified, review financial statements for submission of loans, both conventional and government, reviewing loan application for completeness. Reviewed W2 and tax returns to ensure all income was reported and matched, reviewed and calculated pay stubs, evaluated bank statements for large deposits, and reviewed credit reports. Submitted loans as well as communicated with borrowers to collect outstanding conditions. Encompass Software. Anthony McLaughlin Attorney at Law / Real Estate Paralegal 2/2020 to 4/2020. 40 hours a week.

Prepare title policies, preliminary Closing Disclosures, and coordinate with clients for loan closings. Coordinate with the lender for balancing of Closing Disclosures, print closing docs and stack to send back. executed loan packages, print funding checks while maintaining system accuracy. Maintain systems to balance daily business bank ledger. Order final title policies when closing loan files for completion. Insight Global/Remote Contractor Purchase Closing Coordinator 9/2019 to 12/2019. 40 hours a week.

Assisted with post closing by reviewing documents for compliance and completeness. Obtained missing information and provided support to internal and external parties. Prepared loan for investment buyer. Advantage Credit/ Remote Customer Service Contract 1/2019 to 8/2019. 40 hours a week.

Provided customer service in the verification department. Recruited to the Advantage Credit team to process credit updates/supplements.

Tidewater Mortgage Services Inc./Remote Loan Assistant-Processor 12/2017 to 12/2018. 40 hours a week.

Worked closely with applicants and all parties privy to loan status to determine if qualified. Analyzed credit for program placement, reviewed all financials, and ran AUS. Submitted loan to underwriting, and cleared conditions to move loan to closing.

Stearns Lending / Remote Loan Closer-Funder

10/2016 to 12/2017. 40 hours a week.

Prepared CDs and closing packages, releasing to closing agents. Reviewed executed closing packages in addition to funding conditions ensuring all clear so to order wire and release funds. Homestar Financial Remote Loan Processor/Loan Assistant 3/2016 till 8/2016

Reviewed loan application to pull credit, determined if qualified then started reviewing financial statements for submission of loans, both conventional and government, reviewing loan application for completeness. Reviewed W2 and tax returns to ensure all income was reported and matched, reviewed and calculated pay stubs, evaluated bank statements for large deposits, and reviewed credit reports. Submitted loans as well as communicated with borrowers to collect outstanding conditions.

CSI Company / BB&T Mortgage / Contract Assignment

2015-2016 (Contract)Closer/SA Support

Assisted settlement agencies, attorneys, and title companies with the registration of RealEC. Keyed settlement agents into BBT's system, making the agent as TRID approved. Assisted our closers with reviewing/approving the new Closing Disclosure statements which replaced the HUD settlement Statement, as well as the Loan Estimate.. Benchmark Mortgage/ Mortgage Processor

8/2014 to 3/2015

Duties included reviewing all financial documents, calculating income from pay stubs, w2’s, and tax returns

(including self-employed borrowers; reviewing loan application for 2-year history of all data; reviewing bank statements for large deposits and NSF; and Ordering and reviewing title and appraisal. Maintained contact with the client, asked for missing documentation and letters of explanation when necessary. First Carolina Mortgage/ Mortgage Processor

8/2013 to 8/2014

Reviewed financial statements for submission of loans, both conventional and government, DU and LP Reviewed loan application for completeness, reviewed w2 and tax returns to ensure all income was reported and matched, reviewed and calculated pay stubs, evaluated bank statements for large deposits, and reviewed credit report. Allen Tate Mortgage /Mortgage Loan Processor

2/2012 to 8/2013

Reviewed financial statements for submission of loans- both conventional and government. Reviewed loan application for completeness, including W2 and tax. Submitted loans as well as communicated with borrowers to collect outstanding conditions. Utilized Lender Design, Origination Pro, and Microsoft Publisher. United Guarantee/ Loan Qualification Specialist

9/2009 to 2/2012

Approved and denied mortgage insurance claims, also worked with student loans approving claims. The duties included going behind the initial underwriting decision and ensuring all God lines were met at the time of granting approval along with supporting doc was provided at origination to support paying the MI claim. WFHM/Mortgage Specialist

9/2004 to 10/2007

Responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating for accuracy, ordering titles and appraisals, negotiation of loans, administration, and communicating with customers including pricing loans. Processed FHA, VA, Conventional, Sub Prime, VA, USDA, and A- Minus Loans. EDUCATION

Cordova High School / Graduate 1995, Cordova, AL

Walker County Ctr of Tech / Drafting 92-95, Jasper, AL Bevill State / Business Admin 1994-1996, Sumiton, AL Dan Mohr RE School 2003, Greensboro, NC

Paul Donahue NMLS 2004 & 2007, Greensboro, NC

Calyx Software Training 2002, Raleigh, NC

NMLS 109****-****-**** And again 2016-2018