Human Resources Customer Service

Kenneth Wayne Manns

*** ****** **** **, *** C, Franklin, VA 23851

Home Phone 757-***-****

Email: *********@*****.***

QUALIFICATIONS

Candidate has performed multiple levels of Mortgage duties, and assignments for over 25 years including, but not limited to Real Estate Agent Liaison, Federal Audit Coordinator, customer service skills applied by phone, Zoom, Skype, and/or in person. Proficient in all forms of Social Media, MicroSoft Office. Excel, and SharePoint. Highly proficient in the Encompass mortgage software, & Softpro as examples Candidate is Mortgage Certified in CFPB Consumer Law and Regulations, and will ensure these requirements are applied according to Federal, State and Local guidelines. Strengths include Leadership, professionalism, excellent communication skills, punctuality, detail oriented and deadline conscious. Candidate is able to execute, and convey established procedures that promote productivity and company growth with confidence and focus. Candidate has the ability to work remotely, and/or onsite. Candidate can also work with a designated team efficiently under pressure with little, or no supervision to ensure company goals, are met, or exceeded. Excellent typing skills, alpha/numeric data entry (15,000.KSPH), investigative problem solving skills with proven results, that have exceeded consumer expectations. Overall my goal is provide excellent customer service to my clients utilizing the Company’s mission statement in every compacity.

WORK EXPERIENCE

QVC FULFILLMENT CENTER

Nov 2024 – Present

Fulfilment Center Fulfilment Operator is responsible for Operating Powered Industrial Trucks to support various warehouse operations including picking, stowing, loading and unloading. TRAFFIC PLAN

Nov 2022 – Nov 2024

Crew Chief – Distributes traffic control signs & markers along road for designated work sites GTS, FCC

& Columbia Gas). Controls movement and flow of traffic through site using posted signs, hand & flag signals. Supervise crew assigned thorough instruction, and traffic commands. Drivers are well informed of detour routes, and patterns of work site. PROSPERITY HOME MORTGAGE {Remote)

July 2020 — Oct 2022

Closer. Responsibilities consisted of confirming & reviewing preliminary information provided from the attorney/title company. Entering pertinent information in LOS, (Encompass) to produce a complete loan package for real estate closings. (Conventional, FHA, VA, VHDA, USDA) Ensuring that all documents are prepared & executed according to Federal, State & Local level guidelines. Pipeline management to ensure closing dates are met in a timely manner based on contract dates, or prior to the same for a successful closing experience for the borrower. SERVICE PROVIDER OVERSIGHT RISK ANALYST II (Mortgage Sub-Servicer) JULY 2018 – JULY 2020

Service Provider Risk Analyst II implements and maintains a business partner performance management program. Service Provider Oversight works directly with the internal business units to ensure that Service Providers are properly identified and appropriately assessed to ensure the Company and its Clients are protected. The Risk Analyst II will provide expertise, guidance and support the business to successfully onboard and manage the Service Providers performance. This role reviews the business unit processes and procedures to ensure that they comply with investor & agency guideline, client requirements, and internally established

standards.

TIDEWATER MORTGAGE SERVICES, INC. VIRGINIA BEACH, VIRGINIA FEBRUARY 2015 —MARCH 2018

Closing Manager/Closer as Manager of the closing department my duties are, but not limited to managing closing personnel at the corporate office as well as personnel at our satellite locations. To ensure the accuracy of the mortgage loan data from the various loan products/types that our sales department have originated. Update our E & 0 spreadsheet which includes closing agent names, expiration dates, and confirming insurance amounts. Instruct the closing department with LOS issues, compliance ease issues & Ma vent issues. Answer LO, processor, U/W and settlement agent questions. Assist w/warehouse line maintenance. Resolve investor related conditions in a timely manner. Review QC audits, and reconcile if needed.

TIDEWATER HOME FUNDING, LLC, and CHESAPEAKE, VIRGINIA JANUARY 2010 - JANUARY 2015

Closing Manager: As part of the Senior Management Team my role is to manage the closing/post- closing and shipping department. My duties are to coordinate the real estate closings once the loan files come in from the Underwriting department. I also manage our various warehouse lines, working daily with our bank reps & our accounting departments to ensure all loan proceeds are disbursed correctly and accurately at the closing table for purchases & after the rescission period on refinances. I oversee and direct my staff accordingly in the curing of stips/conditions from various investors, i.e. Chase, BB&T, USBANK, Affiliated Mortgage, etc. I prepare and submit the HMDA report to HUD annually. I am also a MERS signing officer. On extremely busy times, I will also prepare closing packages

(Conventional, FHA, VA, VHDA, 203k, Reverses) ensuring that all prepared documents close in compliance on Federal, State and local levels per underwriting requirements of THF, LLC. TIDEWATER MORTGAGE SERVICES, INC. VIRGINIA BEACH, VIRGINIA MAY 2004 — JANUARY 2010

Closer. Responsibilities consisted of confirming & reviewing preliminary information provided from the attorney/title company. Entering pertinent information in LOS, then uploading the loan in the document prep system (IDS) to produce a complete loan package for real estate closings.

(Conventional, FHA, VA, VHDA, USDA) Ensuring that all documents are prepared & executed according to Federal, State & Local level guidelines. Responsible for submitting executed documents to HUD & VA for loan guarantee under government guidelines accordingly. SOUTHERN TRUST MORTGAGE, NORFOLK, VIRGINIA

APRIL 2003- MAY 2004

Corporate Office Closer: Responsibilities include reviewing presented real estate dossier from the attorney/title company then entering all furnished information into loan document prep software thereby producing a complete loan package for a real estate closing. (Conventional, FHA, VA, VHDA} Ensuring that all executed documents close in compliance on Federal, State and local levels per underwriting requirements of CNI, once approved funds are disbursed completing real estate transaction. Responsible for submitting complete executed documents to FHA & VA for loan guaranty under governmental guidelines accordingly.

COLUMBIA NATIONAL, VIRGINIA BEACH, VIRGINIA

AUGUST 2000-APRIL 2003

Settlement Officer: Responsibilities include reviewing presented real estate dossier from the attorney/title company then entering all furnished information into loan document prep software thereby producing a complete loan package for a real estate closing. (Conventional, FHA, VA, VHDA) Ensuring that all executed documents close in compliance on Federal, State and local levels per underwriting requirements of CNI, once approved funds are disbursed completing real estate transaction. Responsible for submitting complete executed documents to FHA & VA for loan guaranty under governmental guidelines accordingly.

FIRST JEFFERSON MORTGAGE, VIRGINIA BEACH, VIRGINIA APRIL 1999-AUGUST 2000

Closer. Responsibilities include reviewing loan (Conventional, FHA, VA, VHDA) files for compliance and completeness, obtaining any necessary documentation prior to closing. Entering all loan information into document prep software. Creating all closing documents including but not limited to Note, Deed of Trust, Truth in Lending and Hud-1, then forwarding them to closing agent and/or attorneys for actual closing per request.

SHUTTLEWORTH, RULOFF, GIORDANO, VIRGINIA BEACH, VIRGINIA DECEMBER 1998-APRIL 1999

Real Estate Paralegal: Duties include representing seller by way of preparing closing packages for Conventional, FHA, VA, VHDA loans. Preparing Hud-1 statements and deeds, disbursing seller proceeds, payoffs, and adjustments accordingly. Send final package to lenders, reconcile requirements per title commitment and order final title policy. Extended duties include: post-closing follow-up, and conducting closing proceedings as needed at month end.

APPROVED FINANCIAL CORP, VIRGINIA BEACH, VIRGINIA

MAY1997-DECEMBER1998 Entering

all loan information into document prep software. Creating all closing documents including but not limited to Note, Deed of Trust, Truth in Lending and Hud-1, then forwarding them to closing agent and/or attorneys for actual closing per request. Funds Examiner: Essential duties were to receive executed loan packages at Corporate Headquarters and to examine for completeness, after which proceeds and incentive checks are disbursed after rescission period to appropriate attorneys and closing agents. EDUCATION

George W. Curtis graduated 1980

Carver Area High School graduated 1985

Harris Trust and Savings Bank

Completion of TCF (Total Customer Focus) May-1993

ABI of Banking-1992

Foundations of Banking

References available upon request

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