Edna McDaniel Columbia, SC adtqe5@r.postjobfree.com

Professional Summary Mortgage Banking Professional with a history of Encompass experience progressively increasing responsibility in the areas of loan analysis, management support and process flow improvements on Home Equity Line of Credit . Possess exemplary organizational skills, strong communication skills, effective leadership traits along with strong motivational skills and a proven record meeting targeted corporate deadlines. Authorized to work in the US for any employer. WORK EXPERIENCE

Radian Lender Services LLC (Client)

Penfed, Wayne, PA, Loan Processor, November, 2021 to April, 2022 Serve as the main point of contact as the main point of contact for title companies, real estate agents, mortgage loan officer/mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.

Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations, are accurate and provided promptly to underwriters for loan approval on Home Equity Line of Credit

Input loan file documentation accurately into Encompass Open and close loans

Aston Carter Agency. (Client)

AgFirst, Columbia, SC, Escrow Specialist, August, 2021 to November, 2021 Sets up new insurance and tax requests from associations, providing the initial analysis and revising the billing schedule. Monitor and pay tax and insurance escrow payments as needed. Apex Systems (Client)

First Citizens Bank, Columbia, SC Loan Processor, April, 2021 to June, 2021 Processed mortgage loans, loan applications, and all associated documentation at a higher level of complexity. Validates application information for underwriting purposes and updated department systems accordingly. Prepared approved loans for closing submission and notifies appropriate parties for action on declined loans. Contributed to protecting the Bank from fraud, misrepresentation, and mortgage loan default through compliance with federal regulations, department policy, and standard procedures. May provide guidance for less experienced associates in the work group. Verified the accuracy and completion of all documentation necessary for loan closings. Assisted in scheduling loan closings and answers questions regarding the mortgage loan process.

TD Bank, Columbia, SC Loan Processor, October, 2016 to October, 2020 Monitor the overall lending process and identify, resolve, and communicate issues that could impact timely closure of loans Request and review any necessary supporting documentation within required timeframes including credit checks, title reports, appraisals, tax returns, verification of employment, assets, etc. Obtain and verify clearance of all underwriting conditions and prepare the file for submission to closing Order any applicable loan documents on Encompass Open and close loans on Home Equity Line of Credit Wells Fargo - Columbia, SC - Judicial Foreclosure

May, 2012 to September, 2016

Worked with foreclosure attorney/trustee to ensure LPS Desktop reports are worked in a timely manner. Responded to all applicable attorney messages in LPS Desktop. Documented foreclosure data in the corporate system with appropriate action and/or follow up. Ensured timeliness of foreclosure activity through diligent tracking of actions by attorney progress, responsiveness to phone calls, emails, and messages within 24 hours. Reviewed and worked with attorneys to update non-bankruptcy and non-loss mitigation holds. Conducted weekly or biweekly attorney calls to review audit performance and any outstanding issues.

Wells Fargo - Columbia, SC - Default Servicing

April 2011 to April 2012

Prepared and filed FHLMC claims timely and accurately according to investor guidelines as required. Followed up weekly on all outstanding claim as proceeded. Performed a loan level reconciliation for all final claim proceeds between the amount claimed, the amount paid, and outstanding loan indebtedness including all escrow and corporate advances. Prepared and filed supplemental claims as needed. Performed routine follow-up on daily basis. Documented all servicing, action taken, delays, follow-up, and phone conversations in the system notes. Ensured all claim documents were imaged timely WORK EXPERIENCE (continue)

Wells Fargo - Columbia, SC- Home Preservation Specialist/ Loss Mitigation April, 2010 to March, 2011

Served as Single Point of contact for Loss Mitigation customers to assist in gaining successful modifications or proper liquidations. Handled escalated calls from customers in the absence of Management Provided daily support to team members as needed due industry experience in this area SME support provided on Foreclosure Team Verified and validated customer stated information but not limited to income, assets, property value Confirmed loans were ready for underwriting decision Analyzed credit reports, determine gross monthly income for various types of borrowers J. P. Morgan Chase - Florence, SC

Loss Mitigation Specialist III/Underwriting

April, 2009 to March, 2010

Reviewed FNMA loans in order to make Credit Decisions on each application reviewed for Loss Mitigation Customers. Analyzed credit reports, determined gross monthly income for various types of borrowers includeing selfemployed customers. Conducted cash flow analysis based on income and expenses to determine affordability of loan modifications Pre-qualified customers on appropriate work-out plans such as Short Sales, Deed in Lieu as well as Reinstatements. Provided accurate loan payoffs for individual modifications

Washington Mutual - Florence, SC

Loan Specialist

April, 2007 to March, 2008

Serviced loan modifications. Provided loan servicing requirements to meet investor and regulatory guidelines for audits of ARM loans. Performed detailed reviews of new loans to make certain proper research and processing of ARM rate calculations are in place properly. Provided detailed analysis on a regular basis to make certain the corporate system was consistent with the loan modification rates at all times.

EDUCATION

Florence Darlington Technical College

August, 1998 to June, 2000

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