Mortgage Loan Officer

Cynthia Enochs

Location: Columbus OH

Interview availability: ASAP

Start: ASAP

Professional Summary

● Results-driven financial and mortgage professional with extensive experience in banking, loan processing, fraud investigation, escrow coordination, and commercial lending.

● Ensure adherence to AML, BSA, and KYC regulations, escalate potential money laundering cases.

● Proven ability to analyze complex financial data, ensure regulatory compliance, and enhance operational efficiency.

● Skilled in loan modifications, title analysis, dispute resolution, and customer relationship management.

● Adept at utilizing financial systems and tools such as SharePoint, MSP, VISA, and Excel to streamline processes and improve accuracy.

● Strong background in proactive sales, risk assessment, and cross-functional collaboration.

● Holds a Bachelor of Arts in Management from Mary Baldwin University. Professional Experience

Merchandise Processor

LBrands, Reynoldsburg, Ohio February 2024 - November 2024

● International Flow Dept.

● Processing orders placed by overseas clients for shipment.

● Followed goal Matrix consisting of large quantities per order, pricing & accuracy. Branch Banker (DMLO)

PNC Financial Services, Columbus, Ohio November 2023 – February 2024

● Financial Solution Center Services

● Engaging in proactive sales and service activities to expand and deepen the branch's customer base. Identifying opportunities to improve customers' financial well-being and delivering tailored PNC solutions to foster loyalty.

● Conducting proactive sales conversations through various channels, including outbound calls, service-to-sales interactions, and effective lobby engagement, to elevate client loyalty.

● Adhering to all policies and procedures, demonstrating sound judgment, and participating in daily branch operations to ensure efficiency and accuracy.

Escrow Coordinator

Quality Choice Title July 2023 – September 2023

● Reviewed & processed title commitment orders

● Answered incoming phone calls

● Travelled to company locations in Newark, Upper Arlington & Polaris offices for work & training Fraud Specialist

JPMorgan Chase Bank – Westerville, OH February 2023 – May 2023

● Processed disputes on merchant charges for Debit Card Non-Fraud claims filed by Chase Bank Cardholders Systems used: CCS, VISA, SharePoint, Excel

● Monitor transactions for suspicious activity, analyze fraud patterns, and recommend prevention strategies.

● Ensure adherence to AML, BSA, and KYC regulations, escalate potential money laundering cases.

● Conduct fraud investigations, manage cases, gather evidence, and report findings.

● Handle fraud-related calls, assist with dispute resolution, and educate customers on fraud prevention.

● Stay updated on fraud regulations, identify process enhancements, and collaborate with compliance teams.

● Basic knowledge about SARs.

Relocated to OH January 2022 - February 2023

PG.2

Remediation Title Analyst - Remote Contract July 2021 - January 2022 Wells Fargo Capital Markets, Charlotte, NC

● Analysis and remediation on title commitment, deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure that all critical factors are concurrent for decisioning on the loan modification, partial claim and combo loan process.

● SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Mphasis Digital Risk

Wells Fargo Capital Market - Senior – Maitland, FL Closer Remote August 2020-April 2021

● Offers end to end originations, due diligence, compliance, and technology services that are customized for the mortgage industry.

● Analysis on loan modification for existing borrowers; review deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure all critical

● factors are concurrent for decisioning on the loan modification process. Loan types; Partial Claim, modifications and Combo files.

● SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Legal Ops Analyst II November 2018 – June 2019

Wells Fargo Bank, NA – Charlotte, NC

● Analyst in the Estate Care Center of Wells Fargo as a direct point of contact to the branch managers and assistant branch managers for guidance & direction with handling accounts for a deceased client’s family, estate/executor or legal entities.

● Hogan, Pega, Banker Connect, Open Text.

Remediation Title Analyst - Contract November 2017 – February 2018 Fargo Capital Market, NA – Ft. Mill, SC

Analysis and remediation on title commitment, deed, note & security instrument of currently held mortgage loans that have been affected by natural causes to ensure that all critical factors are concurrent for decisioning on the loan modification process consisting of partial claim, modifications and combo loans.

● SharePoint, MSP, Early Resolution, ICMP, First American, ServiceLink, Excel, Microsoft Office, SKYPE Rate Lock Coordinator March 2016 – May 2017

Movement Mortgage - Indian Land, SC

● Approve rate lock requests from field and corporate Loan Officers, Market Leaders and Regional Directors for the US east coast region.

Accenture USA – Charlotte, NC December 2014 – August 2015 Lending Process Analyst

● Performed a variety of loan documentation duties on complex loan applications to ensure quality compliance analysis with bank policies, procedures and investor guidelines.

● Preliminary underwriting on initial loan review and modifications per underwriting guidelines.

● Responsible for driving the loan process from receipt of initial application to final clear to close.

● initial contact call to sales Loan Officer and the borrower with follow up contact as required.

● Initiate subordination process internally and communicate with external subordinate lenders and additional borrower verifications.

● Effective and efficient file caseload management. Successfully handled up to 30 full document files a month. Conventional

Pg. 3

Commercial Lending Officer Assistant – Corporate March 2014 - July - 2014 Park Sterling Bank – Charlotte, NC

Assisted Corporate Commercial lending officers (3)with managing a book of business of approximately $140 MM

● Processed new loans, renewals, loan extensions and modifications for closing including construction draws and payment of client invoices. Research GIS & survey data online per property or project.

● Ordered LazerPro closing documents, set file up in system, individual and company due diligence, booking and funding, wire transfers.

● Clearing exceptions, tracking all financial covenants and collateral on borrower and/or guarantors.

● Filed corporate UCC with state and county and Record Deed of Trust with Registrar's office.

● Work closely with legal counsel on all commercial attorney closings.

● Synergy, JackHenry, RIMS, Yellow Hammer, Microsoft Office. Home Loan Processor IV October 2008 – March 2014

Fargo Bank, NA – Charlotte, NC Area

● Performed a variety of loan documentation duties on complex loan applications to ensure compliance and quality control with investor guidelines for policies and procedures on the specific loan program.

● Responsible for driving the loan process from receipt of initial application to final funding.

● Underwriting analysis on quality control for compliance with RESPA, TILA, REG B & FACTA guidelines.

● Working in a team environment to successfully achieve business and volume goals.

● Initiate subordination process internally and communicate with external subordinate lenders.

● Effective and efficient file caseload management.

● Successfully handled 40 - 300 cases a month based on loan program quotas.

● Conventional, Fannie Mae, Freddie Mac, VA, HARP.

● CORE, LIS, LPS, RELS/TaskPoint, RUSH, RES, LIV, Fidelity/LSI, OPS, FileNet, E-Image, Datavision. Carolina Certified Signing Agent & Notary Public – Part Time August 2007 – August 2022 NotaryProNC – Charlotte, NC

● Facilitate remote real estate closings via local and national settlement and mortgage companies.

● Signings consist of FHA, VA, USDA, conventional, refinance, purchase, HELOC, reverse mortgages and witness loan applications. Self-employed

● Microsoft Office, SnapDocs

Education

● Mary Baldwin University Staunton, Virginia – Bachelor of Arts (BA) Management

● Duke University – Post Baccalaureate Paralegal Certification 2007

● National Notary Association - North Carolina Certified Signing Agent & Notary Public Skills

● Banking & Financial Services

● Fraud Prevention & Risk Management

● Loan & Title Analysis

● Customer Service & Sales

● Technical Proficiency

● Regulatory & Compliance Knowledge

● Administrative & Operational Support

● Notary & Loan Signing

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