SAMANTHA JONES

Raleigh, NC *****

adx3y2@r.postjobfree.com

+1-919-***-****

To obtain a position to enhance my skill and the ability to grow within the company as well as in my career. More than 7 years of Investment Banking experience with award winning results Well- developed relationship. Banking expertise that compliments account acquisitions skills. Broad knowledge on numerous financial instruments and complex scenarios. Work Experience

Loan Specialist

M/I Financial

November 2021 to May 2023

· Gathers, analyzes, and processes necessary documentation from applicant(s), credit bureaus, employers, and various creditors to verify financial information and credit standings.

· Reviews, organizes, and collates application and loan information to ensure timeliness and accuracy in providing a useable credit file to be submitted to underwriting for approval.

· Communicates with applicant(s), underwriters and/or creditors to resolve issues or questions regarding application information.

· Prepares file for final clear-to-close by branch management. Default Title Review

Wells Fargo Home Mortgage

May 2020 to November 2021

· Review daily reports to ensure completion of assigned duties.

· Review title reports for clearance and to assure all items are accounted for marketable title.

· Resolve rejected curative issues. Address inquiries from client, senior lien holders, claims departments, underwriting counsel, foreclosure attorneys and internal staff professionally and in a timely manner.

· Meet tight deadlines for clients and maintain quality standards. Read and understand foreclosure reports.

Accounting Rep. Cancellation Mgmt. Specialist

Genworth Financial Services

January 2019 to April 2020

· Processed all aspects related to the rescission & reinstatement of mortgage insurance coverage including but not limited to the system processing, calculation of refund of premium, communication to third parties of premium due and the management and related response of all inquiries internally and externally regarding certificate coverage status in accordance to departmental policies/procedures.

· Monitored and resolved all system rejected cancellation transactions.

· Monitored and reduced the number of suspense items by actively engaging 3rd party participation in resolution and prevent re occurrence. Managed & resolved any issues relating to premium payments received after cancellation of coverage.

· Responded to internal and external customer requests via email while maintaining a focus on delivering excellent customer service.

· Managed production queues of incoming cancellations, policy changes, and loan transfers. Loan Documentation Specialist

First Citizens Bank & Trust Company

July 2018 to October 2018

· Responsible for the daily creation, onboarding, review, or regulatory compliance of loan documentation.

· Performed high volume, time sensitive duties related to the loan documentation; including researching

& problem solving to minimize documentation risk to ensure departmental service levels are met.

· Remained current with changing of departmental procedures, bank policies, federal, state and other governmental rules and regulations for multiple banks in multiple states. Loan Officer Assistant

Fairway Independent Mortgage Corporation

December 2016 to July 2018

· Called applicants to follow up & obtain all information not provided at loan application.

· Inputted missing loan data to complete an application for submission.

· Assisted with obtaining condo information, realtor contact information, attorney fee sheets and insurance binders.

· Assisted with ordering appraisals and title, and Homeowners Insurance, Assist with the structuring of loans and the calculation of income. Running loans through various systems for credit and automated underwriting.

· Reviewed asset statements, paystubs, tax returns and other documentation provided by borrowers for large deposits, accuracy and to ensure that the documentation is complete Attend weekly pipeline meetings.

· Assisted with guiding clients through the mortgage process ensuring important dates are met. Structuring mortgage options utilizing our various automated underwriting systems, calculating income, analyzing assets, etc.

· Ordered Flood certifications, reviewed/approved the Initial and final Closing Disclosures as well as attend closings as needed

Data Entry

Genworth Financial

July 2016 to October 2016

· Input the Loan application and Credit Documents, as well as assets & all closing documents into Captiva.

· Verified all Documents are complete, Identified and Classified documents are correct prior to sending files to underwriter to review for approval of Mortgage Insurance and or approval of loan programs based on the loan products of Federal, State and Genworth Financial loan products.

Loan Documentation Specialist

Wells Fargo Home Mortgage

October 2015 to February 2016

• Cleared title for all recordable loan modifications.

• Responded to written and phone inquiries from customers, title companies and internal personnel regarding loans. Managed a pipeline up to 80 loans per Month.

• Analyzed title reports and communicated title deficiencies.

• Generated Subordination agreements to loan in 1st lien position, clearing of liens and judgments, corresponded with bankruptcy attorney, as well as worked Home Equity loans for modifications compliance with all mortgages regulatory requirements. Upgrade Support Specialist

Closing and Title Software -The Select Group

June 2015 to September 2015

· Providing industry phone support for all SoftPro applications and utilities to resolve outstanding issues.

· Assisting SoftPro customers with various tasks, including but not limited to, Client Installations, Worde Merge issues, trouble shoot, and input Lender Look up tables, Printing issue, Print to PDF, print to email, Title issue HUD/CDF forms balancing, reconciliation, and other related pieces of the Real Estate closing process.

· Create templates as well as overlaying of files, upload and download of the new regulated CFBP forms and the new CDF regulated documents.

· Documenting each call and its resolution thoroughly and accurately.

· Providing a high level of customer service to each customer he/she works with at all times. Tax Research Analyst

QBE First of America

February 2011 to April 2015

· To obtain property tax information regarding loans (calls/faxes, web, file documents) Work closely with Tax Servicing and Jurisdictions to ensure accurate and timely of Real Estate payments, pay both escrow and non-escrow items in a timely manner, take appropriate action on Automation of payments to ensure automations have paid the taxes, verify Insurance and forced-placed Insurance, cancellation notices, scan relevant documents into Homeowners records, document all actions on file.

· Prepare checks to Jurisdictions of payment based on Client Business rules. Verify Parcel and formats per State, County jurisdiction.

· Works various reports or sources of work - including but not limited to ITLS Queues, Files/images, NYA, spreadsheets, LPP reports, VMTL reports, Alltel reject reports, audits

· Corrects or disputes all audited/returned work within 72 hours of receipt

· Monitors and maintains individual quality and production standards

· Completes assignments timely and accurately

· Understands and adheres to QBEF standard business practices

· Works expertly in all relevant business applications and functions

· Communicates data integrity issues to be researched, validated and corrected.

· Shares accountability with team for delivering service and quality to clients

· Assists with other functions or departments as necessary Experience Quality Review Analyst

Virginia Housing Development Authority

September 2005 to September 2010

· Performs an extensive Closing, Post Closing and MRB review of delegated loan packages (which consists of, but is not limited to, performing interest, escrow and income calculations) for accuracy, Review of the Final HUD-1 and Appraisal,

Review of the Deed of Trust, note final Title policy as well as the Deed of Sale, request correction if needed. completeness and compliance with all federal (FHA, VA, RD, FMLA, FHLMA), State, Authority, and insuring agency guidelines, in a timely and efficient manner, while providing excellent customer service for both internal and external customers. Attend and participates in a variety of agency meetings (RMBA, MBA, VMBA, VA, RD) as representatives of VHDA’s S/F Development

Program.

Education

Diploma in Business Dynamics

Mount Vernon High School - Mount Vernon, NY

1984 to 1988

Skills

• Team Leadership

• Private & Institution Accounts

• Negotiation & closing

• Client Relations

• Regulatory Compliance

• Banking

• Fair Housing Regulations

• Escrow

• Underwriting

• Loan Officer Experience

• Tax Experience

• Microsoft Windows

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