Markus Watson

Finance and Banking

Savannah, GA *1419

adwc4y@r.postjobfree.com

+1-769-***-****

Driven in Collection, Manager, Mortgage, Finance, Customer services and Banking professional with 16 years background. Effective at maximizing customer service opportunities while exceeding individual performance goals and track record in mortgage and home lending cross-sell s in product sales, Demonstrating strong interpersonal skills and exceptional service throughout the sale process offering offering vast knowledge of banking regulations and compliance procedures, meanwhile dedicated to maintaining professionalism and integrity while talents shine in competitive, innovative and creative environment.

Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

Forensic Loan Analyst Team leader

American Financing Corporation - Tampa, FL

February 2022 to Present

• Review employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirements

• Review and recalculate asset documentation per guideline requirements

• Review title commitments and policies

• Verify proper licensing of parties to loans being reviewed

• Review and analyze borrower’s mortgage applications, credit reports and related documents

• Review and analyze real estate purchase contracts

• Review state and federal disclosures for compliance

• Analyze individual loan files and determine compliance with applicable lender guidelines Senior Mortgage Processor Manager

TD Bank - Tampa, FL

May 2020 to February 2022

• Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Also verify the compiles, and inputs application information for mortgage loans

• Processor reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for including but not limited to borrower assets, liabilities, and length of employment, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

• Loan Processor recommends that loan not meeting standards be denied. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

• Calls or writes credit bureau and/or employer to verify accuracy of information.

• Calls specified companies to obtain property abstract, survey, and appraisal.Informs supervisor of discrepancies in title or survey.

• Mortgage Loan Processor submits mortgage loan application file for underwriting approval.

• Working knowledge FNMA/FHMLC/FHA/VA/USDA loan products including AUS, DU/LP/GUS.

• Experience working in a wholesale capacity partnering with multiple funding sources and lenders with the ability to navigate multiple loan systems and processes. Mortgage Loan Processor

USAA - Riverview, FL

August 2019 to April 2020

• Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Also verify the compiles, and inputs application information for mortgage loans

• Processor reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for including but not limited to borrower assets, liabilities, and length of employment, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

• Loan Processor recommends that loan not meeting standards be denied. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

• Calls or writes credit bureau and/or employer to verify accuracy of information.

• Calls specified companies to obtain property abstract, survey, and appraisal.Informs supervisor of discrepancies in title or survey.

• Mortgage Loan Processor submits mortgage loan application file for underwriting approval. Conduct VA and conventional loan guidelines.

Processor/Underwriter

USF Credit Union - Tampa, FL

October 2018 to July 2019

Developed the annual branch business plan for maximum profitability and effectiveness.

• Processing personal, auto loan, credit cards, equity line credit, refinancing loans

• Setting credit polices, credit lines, procedures and standards in conjunction with senior management

• Handling member complaints in professional manner

• Cross sale member with Gap, warranty, and insurance products and as well as other Opportunities to better the financial plan.

• Implemented annual performance and doing 1.2 million in loans a month.

• Performed daily maintenance of loan applicant database and teller work as well as keeping the vault correct

• Educated customer on variety of loan products and available credit options.

• Analyzed applicants financial status, credit and property evaluation to determine feasibility of grant loans

• Determine rate locks, issuance of disclosure and overage and underage and fee waivers

• Maintained consistent high performance with a solid record of achieving or exceeding objectives. Branch Manager

Pioneer Credit - Jackson, MS

March 2015 to October 2018

• Actively recruited and oversaw training for all new branch employees.

• Developed the annual branch business plan for maximum profitability and effectiveness.

• Implemented annual performance appraisals for all branch staff.

• Performed daily maintenance of loan applicant database.

• Educated customer on variety of loan products and available credit options.

• Analyzed applicants financial status, credit and property evaluation to determine feasibility of grant loans

• Determine rate locks, issuance of disclosure and overage and underage and fee waivers

• Maintained consistent high performance with a solid record of achieving or exceeding objectives.

• Keep overall collection counts under 1.5%

Collection Manager

Central Mississippi Credit Union - Jackson, MS

September 2011 to May 2015

• Account Management; Delinquent Account division; Collection and bankruptcy

• Client account negotiations; payment plan structuring

• Account supervision

• Customer service

Education

3and half years in Business Administration

Jackson State University - Jackson, MS

May 1998 to December 2004

High school diploma or GED

Skills

• COLLECTION (10+ years)

• LOANS (10+ years)

• FHA (10+ years)

• BANKRUPTCY (6 years)

• DISPATCHING (3 years)

• budgeting (10+ years)

• leadership development (9 years)

• management (10+ years)

• training (5 years)

• team building

• Word (5 years)

• budget (4 years)

• Strategic Planning (5 years)

• Marketing (10+ years)

• retail sales (4 years)

• Banking (4 years)

• Underwriting (9 years)

• SAR (5 years)

• Mortgage Loan (10+ years)

• Mortgage Loan

• Underwriting (7 years)

• SAR

• Fnma

• Loan Origination (10+ years)

• Property Management (10+ years)

• Credit Analysis (10+ years)

• Bank Secrecy Act

• Business Development (10+ years)

• Financial Planning (10+ years)

• Loan Officer Experience (10+ years)

• Negotiation (10+ years)

• Sales Management (10+ years)

• Account Management

• Financial Analysis

• English

• Customer service

• Analysis skills

• Research

• Windows

Awards

Branch of the Month

May 2018

Assessments

Data Entry — Highly Proficient

August 2019

Entering data quickly and accurately.

Full results: Highly Proficient

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

Additional Information

SKILLS

• Mortgage/Loan origination and processing - FHA, VA, Conventional

• Project Management

• Bankruptcy; Allonge

• Skip tracing

• Dispatching/Route Management and Logistics

• Skilled Negotiator

• Leasing

• Apartment Management

• Know if State and Federal Collection Laws

• Inventory Management

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