TRACIE MARROW

** ***** ****** ******** ** *****

631-***-**** · adwkz3@r.postjobfree.com · NMLS# 1938813

SUMMARY:

Experienced and driven banking professional that has a comprehensive knowledge of business finance loans, residential products including FHA, Conventional loans, VA loans, Jumbo loans, refinance mortgages, Reverse mortgages and Home Equity products. HIGHLIGHTS OF QUALIFICATIONS:

-A team player with strong leadership qualities; Thrives under pressure and a great multi-tasker

-Well organized and focused on details, Effective problem solver

-Deliver a high-quality level of customer service for clients

-Successfully processed some of the most challenging loan applications: first-time borrowers, self-employed applicants, and borrowers with problematic credit histories

-Working with a broad range of customers and loan officers to deliver a timely loan package while managing pipeline and follow through

EXPERIENCE:

THE ACCREDITED GROUP (MARCH 2023 TO PRESENT)

-Receive loan package from sales rep and review for accuracy and completion

-Rename files as per company policy as needed Pull credit and create/review bank checklist, run SOS and SAFER searches as needed

-Submit files to lenders via CRM and Lender Portals per guidelines Enter all deal updates to CRM in a timely manner (Approvals, Declines, Items pending)

-Request exceptions as needed - Pipeline management

-Follow up with Sales team and Lenders on deals per milestone MLB RESIDENTIAL LENDING (JULY 2017 TO SEPTEMBER 2022) Senior Mortgage Processor/Pipeline Manager (Westbury, NY)

-Process loan application from opening loan through disclosure to approval and closing

-Primary point of contact for obtaining credit documentation and underwriting conditions

-Analysis of credit reports, property appraisals, title and associated documentation

-Assist Branch and Sales Manager with seminars at active military bases

-Manage all social media accounts for Sales team that included their Military Foundation/branch/loan officers

MCS MORTGAGE BANKERS (NOVEMBER 2015 TO MAY 2016)

Processing Manager (Hollis Queens, NY)

-Issued initial and COC loan disclosures to applicants in accordance with regulatory requirements

-Verified loan documents including income, credit, appraisal and title insurance ultimately preparing application to submit to underwriting

-Gathered information and took each file from pre-approval to closing

-Managed all appraisal orders for Long Island branches

-Trained new employees as needed

-Performed pipeline management duties weekly to ensure file movement MORGAN STANLEY PRIVATE BANKING (AUGUST 2015 TO NOVEMBER 2015) temp assignment Pipeline Manager for Mid-Atlantic Region (Midtown, NY)

-Ongoing (daily, weekly, monthly) review of assigned regional pipelines

-Weekly communication with business partners to discuss pipeline challenges and opportunities

-Ensured loans were progressing through the mortgage process at desired pace and in accordance with the Bank’s policy and processes

-Participated in weekly meetings with Regional Sales Manager and Vice President of Underwriting

-Served as the primary point of contact for the Private Bankers and Regional Manager for Pipeline status

GUARDHILL FINANCIAL CORP (SEPTEMBER 2014 TO JANUARY 2015) Processor/Pipeline Manager to President (Midtown, NY)

-Prepared and submitted loan files to in-house underwriters and outside investors (BFCU, BOI, Flagstar, Santander, New Penn and FNBLI)

-Scheduling and tracking of closing dates, contingency dates, and loan lock expirations

-Reviewed loan approvals and address all conditions required for underwriting and closing

-Handled all post-closing conditions to confirm loan is saleable to investors

-Developed marketing strategies to increase client base Guaranteed Rate, (Formerly the Manhattan Mortgage Co) (March 2013 - September 2014) Loan Coordinator to Executive Vice President-The Manhattan Division (Midtown, NY)

-Verified loan application for correctness, completeness, program adherence and credit worthiness Processed loan from credit decision to post-closing, coordinating borrowers, attorneys, realtors.

-Cleaned and prepared closed loans for shipping to investors by making sure all relevant documents are in the file, as well as bringing files that are missing important information to the attention of the Quality Control department.

LEND AMERICA (JUNE 2008 to DECEMBER 2009)

Senior Loan Processor to Manager of Outside Sales Dept. (Melville NY)

-Examined documents such as appraisal, credit reports, title, income, and bank statements

-Verified income and reviewed credit (using the rescore program to ensure borrowers qualify)

-Coordinated the loan process with borrower, attorneys, & real estate agents to facilitate closings

-Mortgage team consistently finished in top percentage in production and closing for company REFINANCE.COM (DECEMBER 2006 to MAY 2008)

Senior Loan Processor (Syosset NY)

-Ordered title, appraisal and coordinated closings

-Processed loans from submission, origination to funding, managed pipeline of 60 to 80 loans

-Uploaded loans to automated underwriting systems (DO/DU, LP and Clout)

-Analyzed income, asset, title, and appraisal documentation

-Order all lien payoffs, verifications and obtained insurance certificates WASHINGTON MUTUAL BANK (JULY 02 to SEPTEMBER 06)

Senior Loan Coordinator/Jr.Underwriter (Islandia Consumer Loan Processing Center)

-Submitted original and resubmitted loans for credit decision by Credit Analysts

-Performed credit analysis (debt to income ratios, LTV etc.) and verified income documentation

-Reviewed appraisal, flood and title reports and informed parties of requirements needed

-Ordered VOE's, VOD’s, VOM’s and payoffs to clear conditions and resolve conflicts Sales Associate/Assistant (Midtown Manhattan Home Loan Center)

-Assisted clients in completing application and verified financial information provided

-Ordered title, set appraisals, and assign bank attorney

-Managed pipeline to achieve the highest loan funding for loan consultants

-Performed pre-qualification and debt ratio analysis for clients

-Originated Conventional, Jumbo Residential Loans, Home Equity Loans & Lines of Credit EDUCATION/LICENSES:

University of Massachusetts at Amherst: Bachelors 1995 Walt Whitman High School: Graduate Regents Diploma 1991 NYS Life, Accident & Health - licensed Sept 2004

Nationwide Multistate Licensing System & Registry (NMLS) 2020

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