Mortgage Loan Customer Service
Resume:
Misty Carter
Jacksonville, FL *****
adynjb@r.postjobfree.com
• Over 20 years experience in customer service/collections call center environments as representative, specialist, mentor and supervisor.
• Over 15 years Mortgage Loan experience.
• Knowledge of recent HUD/RESPA/GFE Compliance
• Proficient in review of title commitments, validating closing conditions, reviewing
/balancing HUD Statements, and all aspects of closing document preparation
• Enjoy working in a supportive role.
• Expert knowledge of the FDCPA & TRID process
• Expert knowledge in Microsoft and Excel products
• Expert knowledge in Fannie Mae & Freddie Mac Guidelines
• Expert knowledge in processing Condo and CO-OP loan
• Expert knowledge in Empower and Encompass, UNIFI, Pega and 3270 systems Authorized to work in the US for any employer
Work Experience
Mortgage Loan Processor
PENTEGON FEDERAL CREDIT UNION
September 2021 to Present
Manage a pipeline with 50 plus loans.
Experienced in processing VA, FHA, HELOC, New Construction, Conventional and Refinance Loans. Maintain up to date communication with the borrowers and what is needed for final approval of loan application.
Coordinate closing details with title company and borrower. Regular communication with buyer’s agent and builders. Maintain communication with Mortgage Loan officers, underwriting and closing department for a smooth transaction.
Maintain up to date on all compliance training requirements. Mortgage Loan Processor
Digital Risk, LLC - Jacksonville, FL
March 2020 to September 2021
manage pipeline of approximately 50 home loans prepare file to submit to underwriter and to closing process new mortgage and refinance loans primarily for the United States work with sales agents to ensure loans are processed within company guidelines..expert in full document loan processing. Mortgage Loan Processor
PNC - Jacksonville, FL
August 2019 to March 2020
manage pipeline of approximately 50 home loans prepare file to submit to underwriter and to closing process new mortgage and refinance loans primarily for the United States work with sales agents to ensure loans are processed within company guidelines..expert in full document loan processing. Post Closer
Homegaurd Title & Trust - Jacksonville, FL
September 2017 to August 2019
Receive and post wires, balance closing disclosures with lenders. Maintain escrow, operating and petty cash accounts. Review signed loan documents to ensure accuracy. Fund and disburse funds to sellers and payoffs. Print checks and record mortgages, deeds and other documents with correct county. Closer
Digital Risk, LLC - Jacksonville, FL
June 2014 to September 2017
Mortgage Loan Processor
Citibank N.A
2009 to 2014
Education
High school or equivalent
Skills
• Loan Processor (5 years)
• loans (5 years)
• Mortgage (10+ years)
• Mortgage Loan (10+ years)
• Processor (5 years)
• Time Management
• Microsoft Excel (10+ years)
• Communications
• Word (10+ years)
• Inventory
• Escrow
• Fair Housing Regulations
• Accounts Payable (2 years)
• 10 key calculator
• Customer service (10+ years)
• Microsoft Office (10+ years)
• Pegasystems
• FNMA
• Credit analysis
• Financial services
• Mortgage servicing
Additional Information
LEADERSHIP SKILLS
• Innovative in implementing new methods, policies and procedures to minimize impact to both internal and external customers
• Resolved escalated issues in an efficient and professional manner.
• Assisted Manager with training employees to work on IBS.
• Tested and Trained peers on UIP Dialer.
• In charge of meeting closing deadlines
• Trained new hires in Service Support Specialist II roles ADMINISTRATIVE SKILLS
• Balanced accounts payable and receivable with consistently high level of accuracy.
• As Assistant Manager for two years:
accurately balanced books and balanced deposits
answered phones prepared service call reports prepared invoices handled complaints
• As a mortgage loan processor:
manage pipeline of approximately 50 home loans prepare file to submit to underwriter and to closing process new mortgage and refinance loans primarily for the United States work with sales agents to ensure loans are processed within company guidelines..expert in full document loan processing.
• As a Service Support Specialist II
gathered HOI, payoffs and performed Verification of Employment. Assisted Loan Processors, Underwriters and Closing Departments. Responsible for sending the required disclosures to borrowers in required timeframe. Pulling and working Excel reports for all roles (process, underwriting & closing). Responsible for assigning loans to Processor, Underwriter and Closer to be worked.
• As a mortgage loan closer:
.manage pipeline of approximately 50+ loans finalized mortgage loans for refinances coordinated all steps of the loan closing process arriving at detailed and accurate financial numbers for borrowers checked borrower signed documents for accuracy to clear conditions and fund loans.
Contact this candidate