TEDESHA T. GILCHRIST

954-***-**** ● advg41@r.postjobfree.com ● Wimauma, FL 33598

Detail-oriented professional with excellent communication, interpersonal and creative thinking skills. Aiming to leverage my abilities to successfully fill the vacancy at your company. Frequently praised as hardworking by my peers, I can be relied upon to help your company achieve its goals. EXPERIENCE

Senior Remote Mortgage Processor Benchmark Mortgage/Builder, Houston, FL AUG '21 - DEC '22

● Review Loan Processor reports daily, Project to Close, Timeline Exception

● Review/Work Pipeline daily

● Process complex loan files including Texas Bond and Jumbo loans Sets up and maintains credit and other files for documentation, compliance, and historical reference; scans all related documentation for electronic retention purposes

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● Process all construction loans, ensuring all required documentation is in the file and accurate

● Review Title, Judgments, Liens, Credit Report, Loan Estimates, Appraisals, HOI, MI Insurance etc. Accessed computerized financial information to answer general questions and give details on specific accounts.

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● Transferred details from separate journals to general ledgers or data processing sheets.

● Monitored status of loans and accounts to ensure that payments were up to date.

● Computed deductions for income and social security taxes. Senior Mortgage Processor CMG Mortgage, Tampa, FL

OCT '19 - AUG '21

● Verify conditions of approval which includes income/assets documentation

● Provide excellent customer service to clients

● Review daily pipeline reports, Submit fully processed files through automated underwriting system Responsible for collection, review, and validation of all required documentation, including income, following up with the customer as appropriate

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● Responsible for initial income analysis of salary and wages and complete file review

● Authority to approve certain Underwriting conditions

● Review and approval of Title, Employment verification, Hazard Insurance policy and more.

● Managed application workflow to provide timely approvals and meet lock expiration dates. Integrated information from multiple sources to enable efficient processes, enhanced analysis and streamlined reporting.

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● Communicated conditions to borrowers in easy-to-understand, non-mortgage verbiage. DEC '18 - OCT '19

Senior Mortgage Processor & Quality Annalyst DHI Mortgage, Tampa, Florida

● Review Loan Processor reports daily, Project to Close, Timeline Exception

● Review/Work Pipeline daily

● Maintain accurate communication log

Re-review documentation in file, input any changes into the computer systems and re-run for a correct AU Determination

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● Review Title, Judgments, Liens, Credit Report, Loan Estimates, Appraisals, HOI, MI Insurance etc

● Submit all files to a DHI Underwriter for approval

● Review conditions when received from underwriting

● Provide status of file to all parties

When all conditions are received, make any changes necessary to the computer system and resubmit to the AU system

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● Reconcile the Fee Summary Sheet

● Reviewed loan agreements to verify completeness and accuracy.

● Assembled and compiled insurance forms, loan forms and tax receipts for loan closings.

● Computed payment schedules.

● Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans. Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.

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● Analyzed quality and performance trends to provide recommendations and action plans for improvement.

● Created exercises and quality assessments to reinforce learning.

● Educated agents, supervisors and managers on QA process and goals.

● Participated in internal assessments and audits as required.

● Ensured that lab cleanliness and safety standards were maintained. Mortgage Processor III Bank Branch And Trust, Tampa, Florida JUL '16 - DEC '18

● Obtain required credit and compliance documentation for assigned applications

● Develop and maintain a strong understanding of Mortgage Lending products, policies, and processes Submit mortgage loans to Underwriting ensuring BB&T Mortgage and investor policies and procedures are met

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● Calculate all forms of income (e.g., wage earner, retirement, self-employed)

● Review real estate appraisals, calculating appropriate homeowners' insurance coverage

● Analyze bank statements to determine sufficient required assets, and other tasks as required

● Conduct proactive and effective pipeline management in accordance with performance standard expectations

● Mentor new hire associates and assist with client escalations. Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms and tax receipts.

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Loan Processor Bank Of America Corporation, Tampa, FL JUL '13 - JUN '16

Requests property appraisals, applicant credit reports, income, assets, and other information pertinent to loan applicant's evaluation

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● Compiles, processes, submits files to underwriter for final review

● Clears conditions, closes and funds loan packages

● Assists with member inquiries and information requests Manages and maintains a continuous pipeline of mortgage and home equity loans in various stages of processing

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Subject Matter Expert (SME) Effectively Train processor on the function including process, guidelines and utilizing client systems.

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AML/KYC Analyst Bank Of America Corporation, Tampa, Florida JUN '12 - JUL '13

● Collaborated on projects with other professionals, such as lawyers, accountants and public relations experts.

● Liaised with management to perform searches related to 314b requests and criminal subpoenas. Researched, analyzed and manipulated transactional data using system-generated spreadsheets to identify suspicious activity.

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● Prepared AML investigations case files and drafted SAR narratives to comply with department procedures.

● Incorporated feedback from secondary reviews to improve productivity and accuracy.

● Planned, supervised and reviewed work of assigned subordinates. Investigated activities of institutions to enforce laws and regulations and to confirm legality of transactions and operations and financial solvency.

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Customer Advocate- Office Of The President Bank Of America Corporation, Tampa, Florida SEP '10 - MAY '12

● Possess strong problem solving and critical thinking skills to resolve customer complaints

● Effective listening skills and the ability to diffuse sensitive situations

● Ability to effectively utilize empowerment skills and exercise sound decision-making Handled inquiries from other financial institutions, providing status and updating cases to bring final resolution to posting defects

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Assist with escalated mortgage and home equity lines of credit concerns ranging from default to non-default concerns

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● Investigate/resolve a wide variety of issues and requests that include gathering additional information Accountable for the successful resolution of all customer requests and hand offs to the appropriate executive channel while adhering to established service level agreements

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Small Business Specialist Bank Of America Corporation, Tampa, Florida JUN '09 - SEP '10

● Handled complex or escalated calls from customers or internal partners

● Performed routine account related transactions such as opening new accounts

● Solve problems by investigating a wide variety of issues and requests Conveyed a professional, courteous, and positive attitude when interacting with customers and third-party individuals

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● Cross sell or up sell other financial products to existing and potential customers

● Constantly Exceeded performer in all sales measured metrics EDUCATION

Herbert Lehman College

SKILLS

Conventional & Government Mortgages Conforming & Nonconforming Loans Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios ARMs Loan Closing, Funding & Documentation Account Service Excellence Customer Communication Title Abstracts Appraisal Verification Property Evaluation Credit Applications Critical Thinking Credit Verification Underwriting Guidelines Real Estate Lending Processes Financial Reports Analysis Reviewing Financial Statements

CERTIFICATIONS

Real Estate License

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