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Mortgage Loan Customer Service

Location:
Oldsmar, FL
Posted:
August 24, 2023

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Resume:

Aimee Quish

Demonstrated a history of leadership positions in multiple fields,

including in a high-volume fast paced mortgage-lending industry with a high degree of change. Possesses the proven ability to think strategically and respond in a dynamic environment, with a solid knowledge of operational procedures. An outstanding verbal and written communication skill set, which includes strong presentation and interpersonal skills.

Excellent working knowledge of information technology systems. Established organizational, goal setting, analytical, technical and planning skills with the ability to create a service culture with emphasis on motivation, recognition, and improving performance. Ability to develop and communicate a clear and compelling customer driven corporate vision.

Freedom Mortgage – Senior Processor – Purchase Team, June 2021 – September 2022

• Processes conventional, VA, & FHA loans (Including New Construction) from set up to submission, from conditions to close.

• Additionally processes some Bond loans, USDA, 1st & 2nd mortgage simultaneous closings with a 2nd lender,

Subordinations, etc.

• Reviews residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.

• Provides strong customer services skills while keeping the clients abreast of the status of their loan, and guiding them through the loan process, all while gently pressing to have conditions & e-signed/wet signed documents returned in a timely fashion to meet closing deadlines.

• Submits mortgage loan application files for initial underwriting review & approval, seeing them fully through the lending process to a successful on-time closing.

• Organized closings with borrower, lender and Title Company.

• Aware of and adhered to all state and federal regulations.

• Am compliant with lender policies & loan guidelines.

• Managed a pipeline of between 40 – 70 funded loans monthly. AnnieMac Home Mortgage – Processor, July 2020 – May 2021

• Processed conventional, VA, & FHA loans from set up to submission, from conditions to close.

• Additionally processed some Bond loans, USDA, 1st & 2nd mortgage simultaneous closings with a 2nd lender,

Subordinations, etc.

• Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.

• Provided strong customer services skills while keeping the clients abreast of the status of their loan, and guiding them through the loan process, all while gently pressing to have conditions & e-signed/wet signed documents returned in a timely fashion to meet closing deadlines.

• Submitted mortgage loan application files for initial underwriting review & approval, seeing them fully through the lending process to a successful on-time closing.

• Organized closings with borrower, lender and Title Company.

• Aware of and adhered to all state and federal regulations.

• Was compliant with lender policies.

• Managed a pipeline of between 60-100 funded loans monthly.

.

Eagle Home Mortgage – Processor, October 2018 – June 2020

• Processed conventional, VA, & FHA loans from set up to submission, from conditions to close.

• Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.

• Submitted mortgage loan application files for underwriting approval, seeing them fully through the lending process.

• Organized closings with borrower, lender and Title Company.

• Aware of and adhered to all state and federal regulations.

• Was compliant with lender policies.

• Managed a pipeline of between 50 & 90 loans monthly. Nations Group Inc. – Office Administrator/Manager, August 2016 – Sept 2018

• Facilitates as well as oversees the smooth and efficient running of all aspects of the office.

• Writes all business correspondence, emails, and

marketing/advertising copy.

• Assists with the coordination of all recruitment activities.

• Establishes and acquires all stationary requirements for the office in compliance with office guidelines.

• Manages multiple projects and assignments simultaneously, while meeting established deadlines.

• Plans, prioritizes, and organizes workloads, as well fulfills the training needs of all staff members.

• Maintains high customer service standards, as well as excellent open communication with all staff members.

• Makes sure that all contracts/paperwork are mistake free, and processed effectively and efficiently.

Jefferson Bank – Head Processor/Office Manager,

December 2015 – Until the close of the department, July 2016

• Managed a team of mortgage loan officers and support professionals toward maximum productivity and efficiency

• Process conventional loans from set up to submission, from conditions to close.

• Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.

• Recommended that loans not meeting standards be denied.

• Submitted mortgage loan application files for underwriting approval, seeing them fully through the lending process, including attending the closings at the borrowers’ request.

• Organized closings with borrower, lender and Title Company.

• Aware of and adhered to all state and federal regulations.

• Was compliant with lender policies.

Nations Group Inc. – Worked Remotely from the U.K. & Ireland February 2012- December 2015

Networked and connected both agents whom had clients wanting to purchase property in the US (primarily Florida) and/or clients themselves whom were looking to buy properties in the US. Additional duties included any and all that could be handled remotely as listed above.

IS-Innovative Solutions - Owner/Mortgage Broker, January 2007- May 2012

Founded the business and led a team of high-performance loan officers. Oversaw the marketing, originations, underwriting, processing, and closing of loans. Obtained funding from local, regional, and national lenders for both commercial and residential properties.

• Realized a 90% closing rate with loans originated.

• Played a role in loan officers' originating and closing residential and commercial loans from 2007 to 2012, which included single family homes, multifamily condominiums, villas and townhomes, office buildings, retail/strip centers, industrial buildings, mixed use, and investment properties.

• Brokered loans of up to $3 million, the majority of which had special issues that required additional financial and credit analysis.

TGIF Pro Processing - Founder/Owner/Loan Officer,

January 2005 – November 2011

• Owned, managed, and ran a highly profitable loan processing company which also encompassed remote processors in many states.

• Managed a team of mortgage loan officers and support professionals toward maximum productivity and efficiency

• Process conventional loans from set up to submission, from conditions to close.

• Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.

• Recommended that loans not meeting standards be denied.

• Submitted mortgage loan application files for underwriting approval, seeing them fully through the lending process, including attending the closings at the borrowers’ request.

• Organized closings with borrower, lender and Title Company.

• Aware of and adhered to all state and federal regulations.

• Was compliant with lender policies.

• Sent closing numbers to lenders and checked settlement statements for accuracy.

• Typed Deeds of Trust for second mortgages as well as the release of Deed of Trust.

• Strong communication skills with borrowers and lenders.

• Worked efficiently and effectively due to the sensitive time constraints required for closings.

• Very detail oriented, organized with strong ability to multi-task and prioritize.

• Interacted on a daily basis with Clients, Financial Advisors, Wealth Management Bankers and Mortgage Loan Officers.

• Managed a pipeline of approximately 50 loans at any given time.

• Collected and tracked all documentation and information needed to close loans in a timely fashion.

• Monitored loans to ensure compliance with all State and Federal regulations.

• Ensured final terms of loan meet expectations of all parties while turning a profit for company.

Global Financial - Mortgage Broker 2006 - 2007

Generated leads from multiple sources, including corporate accounts, personal referrals, cold calling, and inbound inquiries. Matched products with client needs based on assessment credit worthiness ranging from grades A-D. Helped clients refinance loans, consolidate debts, and complete home purchases. Answered questions from people interested in applying for a mortgage. Ran credit checks and advised prospective customers on ways to improve their credit rating. Managed and trained a Loan Processor.

• Originated more than $1 million in loans annually.

• Drove referrals by establishing strong relationships with real estate brokers and agents.

• Developed creative personal budgeting strategies for clients, improving their chances when qualifying for loans and obtaining the best interest rates.

• Recognized exceptional performances in marketing, foraging mutually beneficial relationships with Lenders. Title companies, Appraisers and Inspectors, as well as customer service. EDUCATION - FSU/Lees McRae College 1990 - 1995

• Majored in Communications with an emphasis in English

• Minored in Sports Medicine

• Clearwater Central Catholic High School – Graduated 1990 SKILLS

• MS Word, Excel, Outlook, Publisher and PowerPoint, Quick Books Pro, General Office Machines, Telephone Switchboard.

• Expert user of Mortgage ware, Empower, Encompass and Calyx Point Mortgage Processing Software.

• Automated Underwriting Systems.

• ADDITIONAL WORK HISTORY INCLUDES:

• Director of Sales & Marketing for Seasons Magazine

• Director of Sales for Homes & Land Magazine (Pinellas, Pasco, Tampa Bay Area)

• Director of Marketing for Remax Realty (Tarpon)

• Director of Marketing for Meristar Management

• Additional information available by request.



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