Loan Processor Claims Representative

Jacqueline Williams Graham **** New Hampshire Avenue NW Washington, D.C. 20011Cell/202-***-****/Email ***********@*****.***

Skills Summary:

I have an extensive background and working knowledge as a Mortgage Loan Processor and Mortgage Loan Closer, to include documentation and verification procedures; I have received and administered training in customer service techniques to junior bank tellers; I am a skilled administrator of Encompass, Empower, Desktop Underwriting Loan Prospector Underwriting: Share point MRIS Computer, bookkeeping, Research Administration, Fiserv/Unify, LIS Systems, Genesis 2000 Mortgage Lending programs, Byte Enterprises; and Wits web Client Software. I possess proficiency in the use of MS Word/Excel, Outlook, and Calyx Point, Fast Docs5, used to scan and locate file documents which have been uploaded. Also have a technical working and administrative knowledge in the fields of both Property and Residential Management, Including use of Building Links and Yardi.

Professional Experience:

Mortgage Loan Processor: Sun Trust Mortgage: July-2018 to Present

Woodbridge, Virginia: Responsible for receiving new Mortgage loan Applications from our sales team assisting with helping collect supporting AUS docs and up-load them into our electronic processing system Software that I am using is Encompass. Correcting any missing data within our system which facilitated completing the application process. Accurately communicate missing items needed to both sales team as well as the borrowers. Following up on needs list items in a timely manner. Submit loan files directly to underwriting for full credit review using Share point software for a full credit review within 24-48 hours of receipt of file. Coordinate orders for services such as, appraisals, title, IRS Transcrips, and any other additional documents. I process Conventional FHA Loans, and VA Loans. (now Truist).

Recovery Support Specialist: November 2011 to June 2018: DC Recovery Community Alliance, Washington District of Columbia: I worked with clients who are suffering from alcohol and /or drug abuse issues. I would advocate with many different Government Agency s’ such as APRA/Department of Behavioral Health I have working knowledge of the WITSWEB software to access the client database one a daily basis.

Twice a month I am responsible for taking meetings to the women’s jail at CTF, providing life coping skills and wellness, providing assistance with housing, employment and other services to help them move back into society, as part of my Recovery Coaching work, also facilitate several in-house All Recovery Meetings for all clients to attend.

Senior Loan Document Specialist 4: November 2011 to August 2015: Wells Fargo Home Loans, Washington District of Columbia: I was responsible for processing, pre- underwriting all loan files Conventional FHA, VA, also Bond loans, purchases and refinances before submitting to our underwriting team for a firm commitment. Once the file is approved, I then contacted the borrower to advise them of their loan approval, request all supporting documentation needed as for a final loan approval. This documentation once received I review and analyze for compliance, to then be submitted on to the underwriting team for a final approval. Coordinate with the borrower and Title Company for a firm closing date. Maintaining constant contact with borrowers throughout the loan process.

Senior Loan Processor: June 2010 to March 2011: Capital One Bank Bethesda Maryland. (Contract) As Senior Loan Processor Responsible for the processing of conventional as well as government loan files, while keeping within the compliance of the Bank’s lending policies. Maintaining constant communication with the borrowers as well as all parties involved in the loan transaction. Proficient in maintaining my pipeline with the constant updates of the new guidelines that were consistently being put into place.

Senior Loan Processor: January 2010 to May 2010: The Industrial Bank of Washington, District of Columbia. As Senior Loan Processor I was responsible for negotiating, underwriting, and coordinating the closing of major and complex consumer, residential, SBA, commercial building and business loans in compliance with the Bank’s lending policies and procedures. Managed conventional and government loan files without incident. Maintained contact with borrowers throughout the entire loan process. Also provided updates to credit files and coordinated with several Closing Cost Assistance Programs for example, Federal Home Loan Bank and HPAP for closing cost assistance to borrowers who qualify for the program.

Teachers Aide. August 2009 to January 2010: LaSalle-Backus Elementary School. District of Columbia Public Schools. Performed work with Special Education Children, assisted teacher with daily lesson plan, worked with special needs children in helping to complete their daily assignments and projects. Provided coaching tools to children to help them in overcoming their learning disabilities.

Claims Representative, September 2008 to January 2009: Social Security Administration, Wheaton, Maryland. Interviewed claimants and processed their paperwork for benefits, Medicare, Retirement and SSI also Social Security Cards. completed phone interviews with claimants applying for Disability Benefits. Worked on claimants appealing their disability determinations. Interacting with attorneys’ regarding various cases for approval through Social Security for benefits.

Grant Reviewer, May 2008 to July 2008: ICF International Vienna Virginia. (Govt. Contract) Reviewed dispersed loan files for accuracy for the Katrina and Rita Victims. Called applicants for missing documentation. If files were complete I then sent the files to QC. Also answered questions from applicants regarding 2nd disbursements on their grants for elevation requests. Worked closely with team leaders to determine if file was ready to be closed out or if further reviews were necessary at that time.

Senior Mortgage Loan Analyst, November 2003 to September 2007: National City Mortgage, Columbia, Maryland. Processed Conventional, FHA and V.A as well as Rural Housing Loans. Prepared loans for underwriting and closing; also utilizing Underwriting skills for all loans using Desk Top Underwriting and Loan Prospector.

Senior Loan Processor and Closer February 2001 to May 2003: First Horizon Home Loans, Bethesda, Maryland. Responsible for preparation and administration of Desktop Underwriting of Conventional loans; processed and closed Government and Subprime loans, dispersed checks for settlement along with closing papers. Also provided assistance to clients applying for Closing Costs Assistance Loan Programs (Montgomery County Closing Cost, and HPAP loans).

Senior Loan Processor September 1996 to February 2001: Mortgage America Bankers Silver Spring, Maryland. Processed and closed Subprime and Conventional loans along with Government loans as well. Submitted loans to various brokers for underwriting and closing. Utilizing HPAP and SELP programs.

Education:

High School Diploma plus two years of College

Training Certificates:

REG B FOR RETAIL OPERATIONS FHA/VA

RESPA ACT

PROTECTING WELLS FARGO INFORMATION

FAIR CREDIT REPORTING ACT

BANK SECRECY ACT

APPRAISAL FRAUD

FRAUD AWARENESS

INFORMATION SECURITY RED FLAGS

PRIVACY FOR CUSTOMER CONTACT PERSONNEL

FAIR HOUSING CERTIFICATE

MANDATED REPORTER

CLINICAL WRITING ENCOUNTER NOTES

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