Mortgage Loan Processing/ Underwriter
Resume:
TARIA K. REYNOLDS
**** **** **** • Pennsauken, NJ 08110
**************@*****.***
CAREER OBJECTIVE
Results-driven-highly-motivated and solutions-focused professional desiring a challenging and rewarding role within a dynamic and successfully progressive organization. PROFILE
● Offer over twelve combined years of solid experience within Mortgage Loan Processing, Underwriting / Financial / Business Organizational Analysis, and Collections roles, including expertise in Training / Development, Billing / Payment Processing, and Customer Relations capacities.
● Proficient at seamlessly blending strong decision-making abilities with solid leadership attributes, successful interpersonal relationship-building techniques, and exceptional written / verbal communication skills.
● Demonstrate dynamic prioritization and time management skills, including quickly identifying and resolving daily problems in a proactive and productive manner while maintaining exceptional professional work ethics.
● Skillful in setting goals and developing action plans, along with consistently demonstrating outstanding self-reliance toward achieving perfection in all professional and personal endeavors.
● Excel within independent or team-based environments to meet and/or exceed all organizational goals and objectives while contributing intelligent business acumen and sharp troubleshooting abilities.
● Capable of staying focused and maintaining a calm demeanor in high-pressure situations while contributing high quality, diplomatic customer / client services skills and a consistently commendable work ethic.
~ KEY PROFESSIONAL ACHIEVEMENTS ~
Nominated, Awarded, and Ranked Top Processor in Loan Processing Personnel during an award ceremony held by GM LLC.
Awarded “Processor of the Year” / “Servicing Mentor” / “Most Valuable Team Player” for Exceptional Job Performance
Received underwriting delegation to underwrite FMNA and Freddie Mac loans Awarded “deficiency free” for maintaining underwriting delegation without errors PROFESSIONAL FINANCIAL EXPERIENCE
Police and Fire FCU 03/20-05/20 - Conventional Underwriter. Encompass system
● Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
● Establish strong relationships with business partners (ie. Sales force, Risk Management, Contact Centers and Fulfillment teams etc.)
● Manages assigned pipeline; Disposition loans within 24-48 hours of receipt and timely resolves conditions, Informs, processors, mortgage loan officers, closers and management of changes, status updates, findings and credit decisions. Aetna US Healthcare 2/18-11-18
Medical Underwriter
● Prepared insurance documents (policy documents, certificates, endorsements, schedules, invoice, etc)
● Ascertained that all file documentation complies with underwriting and authority level standards, and passes all audits
● Reviewed new and renewal business requests in order to determine insurability based on corporate guidelines and standards
● Responsible for authorizing reinsurance of policy when the risk is high or declining excessive risks
Annie Mac Home Mortgage 5/15- 12/16
Underwriter- Conventional, FHA, VA and USDA. Encompass System
Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines.
Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc.
Review and analyze income from both personal and corporate tax returns.
Communicate decisions on loans to appropriate parties both verbally and in writing.
Analyze loan packages for any sign of fraudulent documentation or information.
Work with loan originators to restructure questionable loans into a salable package.
Remain informed of all government regulations, requirements and laws for both branch and broker submissions.
Consult with the processing and closing department to ensure that all underwriting conditions are met prior to closing the loan.
Review and clear all underwriting conditions prior to closing.
Complete all Company mandatory trainings within the required timelines Ocwen Loan Servicing
Bankruptcy Specialist 2014-2015
● Manage bankruptcy timelines and workflow processes on loans in bankruptcy in accordance with established work rules, goals & objectives.
● Direct attorney and vendor activity on loans in bankruptcy
● Review daily /weekly reports for exceptions and discrepancies
● Review and, as appropriate, approve re-projections and issues raised by the attorneys
● Escalate processing delays to Management
● Communicate with the attorneys and monitor activity to ensure that all appropriate actions and corresponding documentation is added to the file and servicing system.
● Prepare policy, procedure, control, and inspection of whole loan servicing portfolio
● Work closely with other departments and assigned attorney to ensure all appropriate actions are taken to expedite the handling of the assets.
● Other duties as assigned
STARS Appraisals 2013-2014
Underwriter
● Review and decision appraisals in accordance with investor and PMI guidelines
● Evaluate third party valuation/ risk tools to assist in determining supported appraised value
● Review, add and clear conditions related to collateral
● Evaluate collateral related DISSCO Alert Flags and clear or document accordingly
● Make outbound calls and to Appraisers to resolve any issues needing clarification and/or unsupported valuation issues
New Jersey Housing & Mortgage Finance Agency 2011- 2013
● Mortgage Loan Processor/ Underwriting Liaison
● Review and prepare all loan applications for underwriting
● Train new and existing processors and underwriters, servicing as an informational resource answering questions on underwriting guidelines and internal procedures.
● Generate approval and denial letters to the borrowers and originations keeping them informed on their loan process.
● Assist originations supervisor by ensuring all originations staff is kept informed with new and existing guidelines, policy and procedures.
Bank Of America N.A, Marlton, NJ 2010-2011
Home Service Specialist 2
● Analyze and record all incoming documents for compliance and loan eligibility.
● Maintain open communication with customers, real estate brokers and Loan Officers to ensure proper and timely processing and submission of mortgage applications.
● Pre-underwrite all loans prepare and analyze final loan transmittal summary submission sheets.
● Assist team leader with training of new personnel and serve as an informational resource to other employees, including answering questions on underwriting guidelines and internal procedures
TD BANK, MT LAUREL, NJ 2009-2010
Senior Mortgage Loan Processor
● Implemented numerous policies and procedures within the first 90 days of my employment with TD Bank(passed by VP of Operations) .
● Provides feedback to Operations Manager and SVP of sales of new ways to improve companies’ standard operational procedure.
● Works closely with the underwriting manager to make decisions on more problematic operations.
● Mentors existing processors on ways to improve their work ethic. GMAC MORTGAGE, CHERRY HILL, NJ
Senior Mortgage Loan Processor 2005-2009
● Mentors and coaches team players on daily job functions to ensure business goals are met.
● Provides feedback to upper management on team players performance and recommends solutions.
● Audit/Monitors reports daily ensuring all existing files are in compliance.
● Assist business analysts with accurate statistics to guarantee a proper monthly budget.
● Receives and Reciproca
department operates at its most efficient state.
CENDANT MORTGAGE, MOUNT LAUREL, NJ
Mortgage Loan Processor 2002 – 2005
● Efficiently compile, verify, and type mortgage loan-based applications and associated paperwork, including reviewing residential loan application files to verify that data is complete and meets established standards (i.e. mortgage amount / type desired, borrower assets, liabilities, length of employment).
● Submit all mortgage loan application files for underwriting approval and subsequent approved loan files to mortgage loan closers, as well as handling all calls to various companies to obtain property abstracts, surveys, and appraisals.
● Proactively provide dynamic training and development of new team members, along with conducting job task delegation and personnel supervision, as necessary
● Consistently support operational performance success and exceptional teamwork through the facilitation of efficient and accurate closing loans activities and ensuring optimal levels of customer service at all times.
~ ADDITIONAL KEY EXPERIENCE ~
CENDANT MORTGAGE, MOUNT LAUREL, NJCollections Associate 2001 – 2002
● Successfully located customers to collect delinquent installments, overdue account payments, damage claims, and non-payable checks, along with accurately maintaining record of collections pursuits and account statuses
● Effectively mentored customers on how to stay current with necessary billing activities, as well as actively advising customers on what to expect before, during, and after foreclosures.
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