Deborah ( Deb) Lovett

Experienced Mortgage Operations Specialist

Phoenix, AZ 85023

adus77@r.postjobfree.com

+1-602-***-****

• Elevates Profitability

• Exceptionally Computer Literate

• Process Improvement Expert

• Productivity Specialist

• Budgeting

• Profit and Loss Reporting Expert

• Project Management Specialist

• Excellent in Collaboration and customer service

• Extremely proficient Microsoft Office Suite

Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

Sr Loan Evaluation Coordinator

Pacific Mountain Capital LLC - Scottsdale, AZ

January 2022 to Present

• Spoke directly to customers via auto dialer.

• Review current financial situation such as DTI, LTV, credit and score reviews.

• Assisted Loan officer in finding proper program.

• Once all required items were received submitted to Underwriter for pre-approval letter. Mortgage Closing Manager

Community Loan Servicing - Charlotte, NC

January 2021 to December 2021

• Resolved any escalation issues to ensure customer satisfaction.

• Determine team member availability (unscheduled vacancy) and arrange for coverage needs.

• Review teams pipeline and assess progress on a regular basis.

• Host daily Team huddles to reinforce achieving targeted priorities and closings as well as working with Processing teams.

• Review quality results from previous day as well as any compliance findings to conduct coaching sessions and ongoing training.

Mortgage Loan Officer / SR. Processor ssor

Chase Home Lending - Phoenix, AZ

December 2018 to January 2021

• Worked in large call center taking an average of 35 t0 40 calls per day.

• Worked with customers to explore options for refinancing and accessing the equity in their homes.

• Managing large growing pipeline and reviewed required underwriting documents to ensure loans closed in a timely and efficient manner.

• Monthly closings average $2MM in closings.

Mortgage Closing Manager - Contractor / Consultant Chase Home Lending - Phoenix, AZ

March 2018 to December 2018

• Hired, trained and created Closing team of 10 to 12 Closers.

• My closing team exceeded productivity requirements and exceeded divisional Home Lending expectations within the first 45 days.

• Resolved any loan closing escalation issues to ensure customer support and satisfaction.

• Assess capacity of team to meet required metrics throughout the day and arrange load balancing as needed to meet all deadlines.

• Communicated directly with Sr. Management and the Executive weekly to discuss future goals. Director Post-Closing - Investor Delivery Manager

HOMEOWNERS FINANCIAL GROUP USA LLC - Scottsdale, AZ January 2015 to December 2017

• Managed all distressed assets; working directly with Executive team, Secondary Marketing and others to assist in processing, refinancing and finding other solutions for problem loans.

• Ran the trailing documents department to ensure all missing and outstanding final documents are received, correct and delivered to the investors in a timely manner.

• Brought company current in trailing documents for loans over 5 years old to 120 days. which allowed a waiver of late delivery fees for trailing docs in excess of $100K.

• Manage all aspects of the imaging systems to ensure accuracy within our paperless environments.

• Stakeholder and subject matter expert for Post-Closing - Loan Delivery departments for new origination system project. Assisted, Designed and implemented the Post Closing process flows as well as all reports for the department.

• Worked in partnership with Secondary Marketing on all Investor relations issues, recertification and new investor additions including recent applications to GNMA. Vice President - Post Closing Manager

NATIONAL RESIDENTIAL MORTGAGE - Scottsdale, AZ

January 2013 to January 2015

• Managed and monitored all cash transactions and trades with Fannie Mae and Freddie Mac as well as monthly Pools for Ginnie Mae.

• Manage and facilitate all Best Efforts and Mandatory delivery loans to Private investors

• Oversaw the trailing documents department to ensure all missing and outstanding final documents were received, correct and delivered to the investors within required time frame to avoid late fee accrual.

• Manage team of 7 Coordinators to ensure daily pipeline of closed loans committed to various investors are delivered and purchased within 30 days from disbursement.

• Manage all aspects of the imaging systems to ensure accuracy within our paperless environments as well as all servicing transfers and data reconciliation with the Loan Serve Systems.

• Manage and coach employees, handle all employee relations issues within the department including but not limited to training, ongoing support, annual reviews, compensation and disciplinary action as needed.

Investor Liaison / Processor

RYLAND MORTGAGE - Scottsdale, AZ

December 2011 to December 2012

• Resolved discrepancies with documentation by working with customers and investors to ensure compliance with all state and federal regulations.

• Manage and maintain a pipeline of 80 to 100 loans per month that are committed to various investors and ensure they were purchased in less than 20 days from disbursement.

• Act in the capacity as subject matter mortgage expert to re-process all loan products - FHA, VA, and Conventional to ensure all conditions were met in accordance with Ryland and Investor guidelines.

• Management of all Housing and Bond Authority loans to ensure they are closed and processed per the Housing Authorities guideline.

VP Manager Loan Delivery and Post Closing

COLORADO HOUSING AND FINANCE AUTHORITY

August 2008 to December 2010

• Managed and facilitate all loan delivery projects related to MBS securities to Ginnie Mae and Fannie Mae. As well as monitored all cash transactions and trades with Fannie Mae and Ginnie Mae.

• Decreased the number of outstanding post-closing documents from 3390 in August 2008 to 261 in April 2009

• Reviewed and approved all loan modification requests for the Servicing department to ensure accuracy with title information and previous lien information.

• Worked closely with Compliance and Legal on new programs and form changes including all applications to Agencies as well as acting as a Subject matter expert implementing new system to support sales.

• Introduced and implemented MERS into CHFA's Origination and Servicing departments Manager Process Improvement

AURORA LOAN SERVICES - Englewood, CO

September 2007 to August 2008

• Increased effectiveness of implementation time from three weeks to 72 hours on Compliance and Product Development related changes.

• Managed projects to oversee the expansion of 3 new facilities as well as 2nd shift to add staff to facilitate additional increase in monthly fundings for wholesale operations

• Developed and implemented business solutions to optimize operations productivity while remaining within budget on all implementations

• Managed several teams remotely in multiple sites. Director of Operations

Aurora Loan Services - Park Medows, Colorado

October 2005 to September 2007

• Managed 7 operations teams of 15 team members each that covered the Western United States including Texas. All teams exceed monthly origination goals six months in a row.

• Developed and implemented business solutions to optimize operations productivity while remaining within budget on all implementations

• Operational cost savings of $7.5 million for 2007 on increased productivity from expedited implementation of process improvement projects

• Increased delivery of process improvement projects from an average of 6 per month to 15 per month with addition of new procedures and project tracking system. Director of Warehouse Lending / Credit Lending /Collateral / Records Management

FIRST NATIONAL BANK OF ARIZONA - Scottsdale, AZ

June 2000 to October 2005

• Designed, implemented and managed the Warehouse Lending division.

• Created and sustained profitability in less than one year from startup date with no monetary loses to the company or the division.

• Reduced default risk by 85 percent with continued improvement of for the Warehouse Lending and purchase plans.

• Managed all aspects of treasury and warehouse lending including contract negotiations and daily forecasting.

• Increased salability of loan portfolio from 30% to 75% within the Secondary market but restructuring departmental process and procedures.

• Managed and completed all offsite Due diligence for potential new clients.

• Created committed for vetting of new warehouse clients and review requirements for financial stability.

• Managed all aspects of Loan delivery to all Agencies - Fannie Mae, Freddie Mac and Ginnie Mae.

• Oversaw Correspondent Lending division for 9 months while their Director was on medical leave. Education

Associate in Business management

GateWay Community College - Phoenix, AZ

September 1991 to June 1993

Skills

• Microsoft Office (10+ years)

• Time Management

• Excel

• Leadership Experience

• Fair Housing Regulations

• Microsoft Word

• Process Improvement

• Product Development

• Loan Origination

• Banking

• Loan Officer Experience

• Underwriting

• Team Management

• Management

• Credit Analysis

• Forecasting

• Warehouse Management

• Budgeting

• Strategic Planning

• Pricing

• Research

• Business Analysis

• Profit & Loss

• Financial Analysis

• Sales

• Sales Management

• Sales Support

• Asset Management

• Documentation review

• Conflict management

• Project management

• Analysis skills

• Communication skills

• Operations management

• Program management

• Salesforce

• Inside sales

• Load Balancing

• Mortgage Servicing

• Business Development

• Oracle

• Hospitality

• Retail sales

• Animal care

• Writing skills

• Loan processing

• Customer service

• TILA

• Negotiation

• Lending

Links

http://www.linkedin.com/in/dlove44

Certifications and Licenses

NMLS License 1823556

March 2018 to January 2021

National Mortgage Licensing Sales certification.

Assessments

Sales skills — Proficient

February 2022

Influencing and negotiating with customers

Full results: Proficient

Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.

Groups

International Association of Professional Women

June 2010 to Present

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