Jessica Gingher

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

Castle Rock, Co. 80108

To whom it may concern,

Hi there! My name is Jessica Gingher. I have 15+ years residenƟal mortgage lending experience as well as real estate sales and transacƟon coordinaƟon. My most recent background is operaƟons / producƟon management and processing loans.

I recently took this last year off to spend Ɵme with my family aŌer my husband was promoted to a new posiƟon. At the Ɵme it was the best decision for our family as my husband was required to travel every week. Resigning was a difficult choice as I leŌ a very Ɵght work family and lucraƟve posiƟon. Now that things have quieted and my husband is more seƩled, it is Ɵme for me to get back to work. I miss the camaraderie of being on and building a team, helping clients, and growing in a career. An ideal fit would be something that coincides with my operaƟons and lending background. The skills I have acquired as the Team Lead/ProducƟon Mgr. for The Langhans Team and Sr Loan Processor can translate to many posiƟons in OperaƟons. I.e.: Any financial loan processing (mortgage, auto, commercial, even insurance), docs preparaƟon, underwriƟng and compliance, Ɵtle and escrow services, accounƟng and porƞolio/asset management. I can manage some of the toughest credit, income, and asset scenarios and am resourceful enough to work through the most difficult porƞolio management issues. I work well under pressure and Ɵght Ɵmelines. My knowledge of loan documentaƟon is extensive. I am a very adapƟve learner, resourceful and hard working. I have a fun personality that can fit into any office culture.. Being in mortgage lending as long as I have, has also given me a tough skin to handle the more difficult demands in the workplace. As for computer skills, I may or may not have used your plaƞorm, but I can assure you, I can learn any of them in record Ɵme! Look at my resume. Call my references. I was with Team Langhans for 6 years and Bank of England prior to that posiƟon for many years.

Thank you for taking the Ɵme to read this. I hope to hear from you soon. Sincerely,

Jessica Gingher

Jessica Gingher

Jessica Rae Gingher

7944 Saxeborough Dr

Castle Rock, CO 80108

303-***-**** Cell/Hm

adz5ro@r.postjobfree.com

Strengths

Strong interpersonal & sales skills, problem solver, team player, customer oriented, determined, hard working, creative, organized, ability to multi-task, resourceful, detail oriented, adabtable, very quick learner, great sense of humor with an excellent business mind. Work Experience:

Team Lead/Production Mgr – The Langhans Team July 2016 – July 2022 Cross Country Mortgage, Guild Mortgage, Bank of England dba ENG Lending

Right hand to top producing Loan Officer/ Branch Mgr. Patrick Langhans.

Assisted branch manager with developing processes and procedures, checklists, and training to drive and meet branch metrics.

Running weekly or daily team & backlog meetings to ensure team members are executing their duties.

Managing daily employee tasks, interviewing, hiring new employees and training

Management of backlog – Creating daily and interactive backlog and contract deadline reports to review with Processing and LO’s –(Encompass, Excel)

Work to ensure smooth and on-time closings. Get loans closed!

Problem solving on the toughest files – working with borrowers and processors to meet the more difficult & stressful tasks that accompany lending requirements – providing resources and options to get those difficult deals across the finish line.

Overseeing the final decisions on income, assets, and all-around file standards with LPIs (sales team) and LPIIs (processing)

Handling client relations & customer service – “WOW” service for borrowers and realtor partners

– calls and emails from both, acting as liaison for branch manager when unavailable.

Manage relationships with underwriting, closing, title companies, escrow services.

Extensive knowledge of FNMA, FHLMC, FHA, VA, CHFA, JUMBO guidelines, TILA, RESPA, HMDA, TRID, REG B regulations

Extensive knowledge of income calculations with tax returns for self employed borrowers– Sch C Sch E, K1s, 1120/1120s - proficient with Loan Beam (Income calc program)

CD, LE & disclosures. Balancing CDs and review with borrowers and agents

Encompass360, myKey and hundreds of other platforms used in the industry for various needs

(Outlook, Excel, Word, Salesforce, VOE sites, AMC, MI ordering, DU / LP, E Housing, HomeConnection,ValueCheck, Title Pro, I-Certs, LDP/GSA, IBTS, FHA connection, VA website etc etc.)

Appraisal management –value appeals, ordering, revisions

Stepped in wherever I was needed. Processing, sales, branch or ops manager and administrative roles.

Sr. Loan Processor January 2012 – June 2014 & April 2016 – July 2016 Bank of England, DBA ENG Lending Inc.

Loan processing for Correspondent Lender.

Disclosures, change of circumstance, income & asset evaluation, appraisal and title review, contract terms, packaging and submission of refinance and purchase money loans. Conventional, FHA, VA, USDA, CHFA.

The company overall was able to lend in 48 states. Experience with multiple states requirements, property and transfer taxes, typical buyer paid costs vs seller paid costs.

Desktop Underwriter and Loan Prospector. – ability to easily adapt to different lender specific systems on brokered loans.

Encompass 360. VA portal. FHA Connection, GUS, CHFA Home Connection

Knowledge of Fannie Mae & Freddie Mac, FHA & VA guidelines as well as RESPA law CD and LE disclosure requirements . Disclosing change of circumstance (rate lock, loan amount change, program change, etc.). Initial disclosure packaging.

Full Pre-scrub process on a file to ensure a COMPLETE submission to Underwriting resulting in clean approval or Clear to Close.

Payoffs, VOM, Credit Supps, Credit Re-score, VOE (written and verbal), VOD, LOE. Ordering Transcripts (cross referencing to tax returns). Analyzing tax returns for self-employed borrowers and business owners. Net rent Analysis

Clearing conditions, docs ordering, setting closing appointments with title and funding in a timely manner within lock & contract deadlines.

Coordinating with Title, Escrow, Underwriting, Closers.

Working with up to seven Loan Officers with various levels of experience.

Keeping a positive attitude in an ever-changing industry.I am tough enough to get through the most difficult transactions and circumstances.

Client relations. General office duties.

Get loans closed!

Loan Processor Nov 2010- Dec 2011

Downs Financial Inc.

See above for processor experience

Transaction Coordinator March 2010 – Oct 2010

Century 21 Award – Ruth Pugh Group

Transaction Coordination of between 20-30 closings per month with up to 60 open short sale files

Ordering Natural Hazard Disclosures & Home Warranties, providing invoices, reviewing title and HUDs

Preparing offers, counter offers & disclosure packages.

Communicating with buyers/sellers and agents regularly regarding the process of their transaction

Identifying contingency timelines, maintain those timelines.

Schedule termite & physical inspections, clearance and final walk through.

Closing out files, balancing sales reports, calculating agent commissions.

Support to management and listing coordinator. Short sale negotiating, contract negotiating, MLS input.

Listing Coordinator/Pre-marketing Manager/Transaction Coordinator/Real Estate Salesperson San Diego House Hunting March 08- March 2010

REO asset management, listings, and closings.

Cash for Keys - Preparing CFK agreement, delivery and uploading into REO management system, move out and delivery of CFK monies.

Utility services, determining trash out and sales cleaning plans.

Coordinating bids & rehab quotes from vendors. Vendor invoice management

Bank Inspection reports, HOA questionnaires, BPOs.

Managing the many different REO systems

MLS and preliminary marketing –maintain status on MLS and REO systems.

Close out transactions, buyer/seller packages, shut down utilities, remove signage, audit file, final invoicing.

Credentials: NMLS LO License (inactive), California Real Estate License (Inactive), Colorado Real Estate License (Inactive), ECC Chairman for Charters Oaks HOA

**Willing to be re-licensed and renew notary certification if desired. Education: University of Northern Colorado – general studies – 1996-1997 Numerous Sales training courses, Fair Housing & Contracts classes, CORE seminars, tapes and books.

References:

Patrick Langhans – Branch Manager -Cross Country Mortgage 303-***-**** David Ricketts – Branch Manager – Bank of England 720-***-****

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