Walter L Miles

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

Mableton, GA 30126

Day Phone: 404-***-****

Email: adzuzx@r.postjobfree.com

Education

Clark Atlanta University

Atlanta, Ga. US

Master's Degree - 8/2012

Major: Master’s in business administration/finance

GPA: 3.5 out of 4.0

Morehouse College

Atlanta, Ga. US

Bachelor's Degree - 5/2001

Major: Psychology

Computer Skills: Microsoft Office, Microsoft Excel, DU, LP, AUS, Encompass

Employment History

Angel Oak Companies

980 Hammond Dr Suite 200

Atlanta Ga. 30328

08/2015 – 7/2023

40 Hours/Week

Supervisor: Laurie Leatherwood

Ph. 404-***-****

Position: Correspondent Relationship Liaison/ Investor Sales Analyst

Responded to a variety of questions/ inquiries from clients, managers, and/ or other departments in a timely and thorough manner.

Validated Third Party Review Provider (TPR) audits were conducted using the correct TRID and underwriting guidelines,

Reviewed loans to ensure debt-to-income ratios, loan-to-value ratios, and funds for closing were calculated correctly by the auditor.

Researched and took corrective action to noted post-closing exceptions by working with borrowers, title companies, closing agents, and internal operations staff to obtain the necessary documentation to bring loans in compliance with regulatory and program requirements to ensure loan are sellable on the secondary market.

Managed individual pipeline to ensure auditing results are addressed and cleared within required timeframes.

Communicated identified defects effectively to internal and external counterparties.

Trained new and current employees as needed.

Created training manuals to assist new and current employees with learning different aspects of their job function.

Ensured all documentation obtained to clear noted exceptions are identified properly and uploaded to the correct location in the loan origination system and delivered to the investor.

Assisted team members with more difficult files.

Attended trainings and meetings on New TRID rollouts and relayed the information to teammates.

Analyzed trends on files and relayed to internal staff in an effort to ensure cleaner files are delivered to the investor prior to initial review.

Employment History

Generation Mortgage Company

3 Piedmont Center Suite 300

3565 Piedmont Rd NE, Atlanta Ga. 30350

06/2014 - Present

40 Hours/Week

Supervisor: Tiffany Owens

Ph. 404-***-****

Position: Loan Servicing Customer Account Manager

Responded to a variety of questions/ inquiries from customers, managers, and/ or other departments in a timely and thorough manner.

Maintained complete and accurate records of transactions in accordance with department and/or company policies and procedures.

Instrumental in the creation of servicing processes that ensured performed activities met the required guidelines.

Reconciled and verified accuracy of calculations; researched and resolved discrepancies as needed.

Responsible for accurate and timely response to all loan payoff requests received via mail, email and/or fax.

Successfully generated payoff requests received by departments’ cutoff time.

Ran manual calculations on all payoffs processed to ensure figures are correct.

Consistently maintained a less than 5% error rate on all payoffs processed.

Responsible for the initial review and approving/denying of all line of credit requests received via mail, email and/or fax.

Responsible for handling escalated calls that require detailed research into customers’ accounts.

Amerisave Mortgage Corporation

3350 Peachtree Rd suite 1000 Atlanta Ga. 30326

12/09 – 2/14

40 Hours/Week

Supervisor: Angie Tudeen

Ph. 404-***-****

Position: Processing Support Supervisor

Supervised a group of 20 processors.

Trained new and current employees.

Assisted processors with major customer service issues.

Evaluated processor performance based on company guidelines.

Assisted processors with managing their pipelines.

Held weekly team meeting to ensure that members were adhering to all internal policies and procedures.

Responded to negative customer service surveys within 24 hours.

Ensured processors closed their loans in a timely manner.

Reviewed and analyzed weekly reports about company performance.

Assisted processors with complex loan applications.

Reviewed credit reports and verified pay history and debt obligations.

Verified information on mortgage application against other documents in the file.

Verified and validated employment, income, assets and liability documentation used to support underwriting determination.

Calculated DTI and income using paystubs, written employment verifications, tax returns, divorce decree, alimony, 4506t, etc.

Verified funds to close using verification of deposits, gift funds, IRA, 401K, sale of assets, etc.

Reviewed other real estate owned, disposition of property and rental income.

Reviewed appraisals to support value including flip determination and reasonableness of comps, etc.

Ordered and reviewed title commitments.

Ordered and reviewed Flood Certificates.

Ordered and reviewed homeowners insurance for sufficient coverage.

Input customer information into DU and review AU findings.

Submitted approved loans to closing.

Worked with various title companies to schedule closings.

Southstar Funding

400 Northridge Rd Atlanta Ga. 30350

7/2003- 3/2007

40 Hours/week

Supervisor: Lorenzo Cole

Ph. NA

Position: Mortgage Underwriter

Approved loans in accordance to company guidelines.

Communicated all underwriting decisions to internal and external customers.

Accurately analyzed a variety of credit reports.

Placed reasonable and prudent stipulations on loan files.

Cleared underwriting stipulations in an accurate and timely manner.

Explained conditions needed for funding. Registered new loans.

Completed verifications of employment, mortgage or rent, and deposits.

Reviewed appraisals to ensure collateral was sufficient for lending.

Reviewed titles to ensure vesting and liens are acceptable for program.

Accurately determined income using paystubs, tax returns, & 4506t’s.

Responsible for detecting possible misrepresentations and or mortgage fraud.

Maintained customer relationships with brokers.

References available upon request

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