IRENE KOVALSKY

732-***-**** / E-mail: adtzoh@r.postjobfree.com

EXPERIENCE

Family First Funding

Mortgage Operations Manager September 2021 – June 2022

• Maintain a close working relationship with All Department Managers and Sales Managers

• Coach and assist staff with Personal Development Plans

• Develop effective/efficient working relationships with both internal and external parties

• Participate & lead cross-departmental initiatives formulated to create or improve existing functionality and processes

• Team and talent management, goal setting, career development, recruitment and periodic feedback for direct reports Work on team initiatives

• Cross communicates between Processors, Secondary, Underwriting, Closing, Post Closing and Shipping

• Knowledge of real estate lending products, regulatory compliance and underwriting guidelines

• Assist in building consistency in application of underwriting guidelines

• Provide specific subject matter expertise to mortgage operations staff regarding underwriting guidelines and product offerings

• 80%: Underwriting Support

• Routine review of line work (re-underwriting of current pipeline loans and/or files reviewed by QC with multiple errors) to determine root cause of error(s) and provide coaching for related processor/manager to eliminate error(s). Report trending to senior management to address in training and communications

• Conducted bi-weekly pipeline meetings with employees to provide performance evaluations, resolve issues and answer questions

Financial Resources Federal Credit Union January 2018 – August 2021 Mortgage Operations Manager

• Analyzes and resolves work problems, or assists workers in solving work problems

• Continually seeks out process improvements, recommends solutions to improve departmental productivity, efficiency and quality of service

• Manage third party relationships including conveyancing attorneys, appraisers, title companies, investors and mortgage software vendors

• Oversee the daily posting and tracking of all mortgages rates

• Oversee the daily processing of mortgage applications ensuring they adhere to credit union/investor guidelines

• Supervise employees (day-to-day supervision, training, coaching, and annual performance reviews)

• Assist in building consistency in application of underwriting guidelines

• Provide specific subject matter expertise to mortgage operations staff regarding underwriting guidelines and product offerings

• 80%: Underwriting Support

• Routine review of line work (re-underwriting of current pipeline loans and/or files reviewed by QC with multiple errors) to determine root cause of error(s) and provide coaching for related staff/underwrite r/manager to eliminate error(s). Report trending to senior management to address in training and communications

• Performs other related activities and other duties as assigned by manager Peoples Home Mortgage

August 2016 - September 2017 Senior Processor

● Prepared disclosures to ensure compliance and regulatory requirements were met.

● Reviewed loan applications for numerous Loan Officers and prepare loan files.

● Coordinated all necessary loan documents and files for appraisals, credit reports, surveys, titles, hazard insurance, HOA review, purchase agreements, flood certifications and Re- inspections.

● Received Conditional Loan Approvals and met all requirements for moving loans to closing.

● Work closely with closing agents and title companies to coordinate closings. Eagle Home Mortgage April 2016 - August 2016

Senior Processor

● Reviewed loan applications for numerous Loan Officers and prepare loan files.

● Coordinated all necessary loan documents and files for appraisals, credit reports, surveys, titles, hazard insurance, HOA review, purchase agreements, flood certifications and Re- inspections.

● Received Conditional Loan Approvals and met all requirements for moving loans to closing.

● Work closely with closing agents and title companies to coordinate closings. Everbank May 2013-March 2016

Senior Processor/Team Lead/Trainer

● Responsible for training new hire processors including VA and USDA training

● Responsible for assisting co-workers on a daily basis with Encompass and DU trouble shooting and processing functions

● Reviewed loan applications for numerous Loan Officers and prepare loan files.

● Received Conditional Loan Approvals and met all requirements for moving loans to closing.

● Coordinated all necessary loan documents and files for appraisals, credit reports, surveys, titles, hazard insurance, HOA review, purchase agreements, flood certifications and Re- inspections.

● Work closely with closing agents and title companies to coordinate closings First Choice Loan Services December 2011- May 2013 Senior Processor/Team Lead

● Responsible for training new hire processors

● Reviewed loan applications for numerous Loan Officers and prepare loan files.

● Received Conditional Loan Approvals and met all requirements for moving loans to closing.

● Work effectively with managers to educate and train outside branches to ensure efficiently. Responsible for performing all tasks necessary to process loans accurately (FHA, VA and Conventional).

● Coordinated all necessary loan documents and files for appraisals, credit reports, surveys, titles, hazard insurance, HOA review, purchase agreements, flood certifications and Re- inspections.

● Work closely with closing agents and title companies to coordinate closings. EDUCATION: Raritan Valley Community College North Branch, New Jersey Attended accounting classes from September 1988 — September 1990 Hunterdon Central Regional High School Flemington, New Jersey College Prep for Accounting, June 1988

SKILLS: Excellent written and verbal communication skills, Planning and organizing skills and ability to manage multiple priorities, Strong customer service skills, Ability to coach and develop employees Conventional, FNMA, FHLMC, FHA, VA, USDA, MFA ENCOMPASS Microsoft Office, Microsoft Teams, Skype, Notary Public References furnished upon request

Contact this candidate