Williemae Ackerman

*** **** *****, ********, ** 29203 ~ 803-***-**** ~ adwq0u@r.postjobfree.com

PROFESSIONAL SUMMARY

Over 20 years’ experience in the Mortgage Banking Industry. Diversified experience includes Post Closing Team Leader, Documents Specialist, Suspense Specialist, Service Specialist, Loan Closer, File Delivery Supervisor, and Curative Team Leader. Thorough knowledge of the mortgage loan process, mortgage loan documents and compliance requirements. Function well in a fast-paced environment while always projecting a professional image and a high degree of tact and diplomacy.

Key Qualifications

Attention To Detail

Planning & Organizing

Communication Skills

Interpersonal Relationships

Mortgage Documentation

Regulatory Compliance

Mortgage Loan Process

Auditing Files

Training

PROFESSIONAL EXPERIENCE

SouthState Bank, Columbia, SC 2016 – 2022

Post-Closing QC Specialist

Review closed first mortgage loans files to include conventional, FHA (Federal Housing Authority), VA (Veterans Administration), USDA (U.S. Department of Agriculture) and Construction to Permanent.

Document errors and report them in a detailed workflow process.

Complete required checklists/worksheets.

Review and respond to exception reports, internal and external audits.

Assist with final trailing documents.

Work closely with Booking/Imaging/Servicing, Mortgage Suspense, and Shipping & Delivery.

Research any file discrepancies and facilitate solutions.

Support Post-Closing Manager with special projects and assignments.

Aid in workflow, function as liaison with internal and external departments to ensure loan accuracy.

Final Documents Specialist 2010 - 2016

Responsible for the collection and shipment of original recorded mortgages and final title policies from attorneys in

three states.

Managed delivering of the Loan Guaranty Certificate or Mortgage Insurance Certificate for government.

loans to investors.

Reconciled external investor reports and internal reports to track outstanding documents on a daily

basis.

Built a solid and affable rapport with attorneys and their office personnel to ensure a high level of

document collection,

Performed imaging, indexing, and shipping original documents to the investors.

Post-Closing Team Leader.

Accurately reviewed closed mortgage loan packages to ensure compliance with applicable government,

corporate, agency and investor regulations for high volume salability expectations.

Worked closely with Closing Team to catalog and resolve any on-going issues.

Ensured accuracy and clarity of document images in appropriate systems.

Maintained detailed tracking of volume flow and reporting to management.

Validated HMDA (Home Mortgage Disclosure Act) data in system for monthly reporting.

Completed MERS (Mortgage Electronic Registration System) and transferred the servicing to the appropriate investor.

Successfully managed a team of up to five members with a focus on motivation, training, and goal setting.

Suspense Specialist

Oversaw and cleared suspended loan items in a timely manner for three bank entities.

Reported daily loan status to investors and management.

Disclosed with loan originators, processors, underwriters, operations personnel, and management to

clear exceptions in a timely manner.

Prepared monthly Suspense Reports for distribution to management.

Monitored investor websites for procedure/policy changes and reported to the appropriate parties.

Assisted management in other areas as requested or needed.

Wachovia Mortgage/Wells Fargo Home Mortgage, Columbia, SC 2009 – 2010

Deficiency Resolution Analyst /Business Support

Ordered BPO (Broker Price Opinion) and AVM (Automated Valuation Model) appraisals via Fannie Mae/Freddie Mac.

Reviewed, imaged, and distributed appraisals to assigned processors.

Printed and prioritized daily reports from Client relation websites to resolve deficiencies and

utilized resources to avoid site penalties.

Requested, analyzed, and researched updates of integrity of reports.

Communicated progress via telephone, written correspondence, and online applications.

Acted as liaison between attorneys, attorney office personnel and customers.

Service Specialist

Supported the sales site team of Credit Analysts in closing of loans through loan file maintenance.

Established customer satisfaction and timely completion.

Evaluated in detail new file submissions for completeness and reviewed and identified errors on the

settlement statement.

Multi Mortgage Services, Inc., Columbia, SC 2003 – 2008

Loan Closer/File Delivery Supervisor

Analyzed FHA/Conventional preliminary documents and closing documents necessary to facilitate closing

transactions including evidence of flood and hazard insurance, mortgage insurance documents and approved the

HUD/Settlement Statement.

Requested revisions from applicable insurance entities.

Requested funds and prepared closing documents to be delivered to attorney’s office.

Reviewed underwriters’ approval for contingencies to be properly executed and confirmed all ATC

(at closing conditions) were satisfied.

Evaluated completed closed loan packages for accuracy, compliance, and completeness.

Reconciled and balanced escrow files for numerous lenders.

Reviewed recordable documents for compliance, retrieving corrections when necessary.

Worked directly with Attorneys, Realtors, Appraisers, Title companies, Processors and Borrowers.

Curative Team Leader

Reviewed and analyzed title commitments according to Fannie Mae guidelines.

Extended ardent customer service to potential borrowers, title agencies and 3rd party financial

Institutions.

Provided support documentation to clear title of any outstanding issues prior to loan closing.

Received Employee of the Month (April 2003).

TECHNICAL SKILLS

MS Word, Windows, NT Windows, AOD Servicing, Impact, LIS (Fidelity), Encompass, LaserPro

EDUCATION & TRAINING

Zinger Miller Supervisory Development Training Phase I & II

Mortgage Banking State Housing/FHA/FNMA/FHLMC/HUD/VA

Title Insurance, Time Management, General Accounting, Goal Setting, Administrative Support, Loan Application, Record Keeping, Training, Communication, Underwriting Theory, Foreclosure Procedure

HAMP Modification I and II & Income Analysis

American Business Institute, NY

Business Administration Certificate

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