Veronica Deloris Menter

**** *********** ***** ************, ** 32210 904) 866 – 5990 adu3e1@r.postjobfree.com

KEY SKILLS

10+ years as a mortgage professional working with Wells Fargo, Bank of America, JPMC, and Washington Mutual.

Prepared loan disbursement spreadsheet, itemized disbursements, closing costs and participation funding, wire transfer activity and disbursing payments.

Reviewed all post closing, delinquency monitoring and credit bureau reporting.

Maintained and processed all documents required throughout the loan process.

Conducted interviews and counseled employees when production was not meeting the desired goals.

Reviewed all post closing, delinquency monitoring and credit bureau reporting.

Performed monthly self audits and reports for management review.

Knowledge of Microsoft Office, Words, Excel.

Record organization and management.

EDUCATION

University of Phoenix October 23, 2017 Completed

PROFESSIONAL EXPERIENCE

Authorization Specialist

(EMSI) Examination Management Service Insurance, Jacksonville, FL 04/2019- 07/2020

Responsible for the overall success of the chart preparation and insurance authorization procurement function.

Provided good judgement in the coordination of all practice activities that contributed to assuring that the charts are prepared and that all authorizations for treatment have been received prior to the patient appointment.

Identify the appropriate clinical records and submit the authorization request to the insurance company based on plan requirements for approval.

Receptionist

A Cut Above Salon, Jacksonville, FL 07/2012- 03/2019

Answered incoming calls to schedule or cancel hair appointments

Stocked shelves with hair products

Accepted payments for the sale of hair products

Issued clients business cards to pass onto friends and family members.

Mortgage Associate

Wells Fargo, Jacksonville, FL 3/2012-6/2012

Reviewed loan documentation, exceptions, and files to determine if programs, processes, and documentations are in compliance with internal company requirements, insurer guidelines, investor requirements and government regulations for Loss Control Technology Services Solutions Group.

Prepared loan disbursement spreadsheet, itemized disbursements, closing costs and participation funding, wire transfer activity and disbursing payments.

Requested and keyed updated appraisals with completed information regarding loan amount dates of expirations, signatures, and effective dates.

Reviewed all post closing, delinquency monitoring and credit bureau reporting.

Performed monthly self audits and reports for management review.

Keyed loans in the core system and verified output reports to ensure accurate accounting reconciliation.

Reviewed legal documentation to verify receipt of required documents and verify signatures and dates.

Maintained and processed all documents required throughout the loan process.

Requested endorsements to Title Policies when they were not included with policy and reviewed policies for accuracy.

Conducted interviews and counseled employees when production was not meeting the desired goals.

Served as a liaison for employees regarding the work flow and achieving productivity.

Identify the fee rule and whether it applies to the loan and the condition of the loan.

Short Sale Negotiator (Contract)

Bank of America, Jacksonville, FL 9/2011-11/2011

Calculated and uploaded Input Value.

Negotiated and made changes to offer and sent back to agent if necessary.

Reviewed all post closing, delinquency monitoring and credit bureau reporting.

Performed monthly self audits and reports for management review.

Booked loans in the core system and verified output reports to ensure accurate accounting reconciliation.

Reviewed legal documentation to verify receipt of required documents and verify signatures and dates.

Keyed closed FHA and VA loan modification information into the First American Title Program called FAND.

Government Review and Resolution (Contract)

Bank of America, Jacksonville, FL 9/2010-1/2011

Reviewed and resolving paperless loan file defects by using system tools, Pinnacle, Apex (DTS, Deficiency Tracking System) and Apex Defect Manager.

Prepared loan disbursement spreadsheet, itemized disbursements, closing costs and participation funding, wire transfer activity and disbursing payments.

Contacted the title agent at the branches and the borrower.

JR Funder (Contract)

JP Morgan Chase, Jacksonville, FL 1/2009-1/2010

Reviewed loan documents to ensure all conditions are met.

Ensured loan funding in a timely manner.

Entered loan information into system and verified accuracy.

Maintained quality and standards in a production environment.

Loan Clerk (Contract)

Bank of America, Jacksonville, FL 1/2008-12/2008

Audited original recorded mortgage and final title policy for accuracy.

Served as a liaison with attorney’s office to inform them of errors found during auditing.

Requested endorsements to/from title policies to reflect errors.

Requested that the original mortgages to be recorded after corrections.

Contacted attorney’s and post closers for outstanding documents.

Post Closer/Supervisor

Washington Mutual, Jacksonville, FL 2/2003- 12/2006

Prepared loan disbursement spreadsheet, itemized disbursements, closing costs and participation funding, wire transfer activity and disbursing payments.

Reviewed all post closing delinquency monitoring and credit bureau reporting.

Performed monthly self audits and reports for management review.

Booked loans in the core system and verified output reports to ensure accurate accounting reconciliation.

Reviewed legal documents to verify receipt of required documents and verify signatures and dates.

Responsible for maintaining and processing all documents required throughout the loan process.

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