Data Entry Specialist Mortgage Operations

Stacey Harris

**** ******* ***** * Hueytown, AL *5023 * 205-829–0071 (Cell) ****************@*****.*** Competencies:

● Underwriting

● Self Employed Cash Flow Analysis

● Credit Analysis and decision making

● Automated Product guidelines: Government, Conventional, Portfolio

● Critical Thinking

● People Management

● Process Improvement

● Mentoring/Coaching

● Loan Risk Management

● Customer Service

● Creating Manuals for New Hires

● Quality Control Risk Management

● IT Assurance for LOS Systems

● Program Tester – New Software Mortgage Release

Career Progression:

American Pacific Mortgage Corporation - (dba Ellason Mortgage) Remote Work – Processor – January 2026 to June 30, 2026

● Review and Submit files to Underwriting based on Program Type

● Order Appraisals: Conventional, FHA, VA, and USDA

● Order Title Work – Set Up new Title and Escrow Companies

● Order Written Verification of Income and Assets

● Review all income used on the qualifying of the Loan File and complete Income Worksheet

● Review and Complete Self Employment Analysis Income Worksheet – Verify Third Party Verification

● For all Self -Employed borrowers via Secretary of State or other Third -Party Services

● Review AUS / LPA Findings to verify the file is documented with all applicable items

● Order, Review, and Clear Tax Transcripts

● Verify all applicable parties have been verified on the Limited Denial Participant (LDP) and GSA Lists and make sure any issues have been cleared

● Order and Verify all necessary docs to order Preliminary CD for closing

● Communicate with the Borrower, Underwriter, Loan Officer, Realtors updates and progression of Loan Regulatory Solutions Birmingham, AL (Remote Work) Credit Analyst - October 2024 to Jan 2026

● Review and Audit all Data and Closing Information collected during the process of the file

● Verify Disclosures signed in time frame allotted

● Write Up Exceptions for Information not correct from the Audit Review

● Clear Exceptions once Client sends the data for review

● Review and Clear Written Verifications of Employment/WVOE

● Review and Clear Tax Transcripts

● Review and Clear Self Employment Third Party Verification

● Verify all applicable parties have been verified on the Limited Denial Participant(LDP) and GSA Lists and make sure any issues have been cleared

● Review all income used on the qualifying of the Loan File and complete Income Worksheet Laid off due to Economy: March 2024 to Sept 2024

BankPlus, Ridgeland, MS (Remote work) SR Loan Processor - April 2023 to March 2024

● Review data integrity and data collection

● Provide guidance on loan programs, guidelines, and other documentation to Loan Officer and Operations Partners

● Evaluate Income documentation to accurately calculate income on Salary and Self- Employed Applicants

● Delivered Appraisals and Acknowledgements for signatured to Applicants also request final.

● Review loans for locks and send new disclosures to applicants for signatures if required. Review and address all pre and post-closing audit issues. InQuilsion Mortgage, Birmingham, AL Underwriter July 2022 to October 2022

● Underwrite Conventional Loans to adhere product guidelines, DU/LPA findings, and assess risk.

● Review data integrity and collection.

● Provide guidance on loan programs, guidelines, and other documentation to Operations Partners

● Evaluate income documentation to accurately calculate income for final loan decisions on Salary and Self-Employed borrowers.

● Meet service level standards established by Division Director.

● Exceed expected production level as set by company while maintaining file quality.

● Quickly address and remedy pre and post-closing QC review findings.

● Review loans for locks and send new disclosures to applicants for signatures if required.Review and address all pre and post-closing audit issues

● Deliver excellent service to my supported team while driving overall culture and furthering the divisions mission of bridging the ownership gap of undeserved communities.

● Company closed due to economy.

Synovus Mortgage/Bank Corporation, Birmingham, AL- December 2010 to May 2021 Quality Review Manager

● Assign daily workload.

● Review all incoming files for file quality and data integrity, income, assets, credit, REO’s, verifications, review findings for accuracy, and submit file for Underwriter review.

● Clear conditional approval items not specifically marked for UW Review on Conditional, Portfolio, Jumbo, and Government Loans.

● Train all incoming Processors, Branch Marketing Assistants, and Branch Production Specialists.

● Review and approve monthly incentives for the QR Team.

● Assist the IT Help Desk on resolving issues with the LOS system, product structure, etc.

● Test New Software and procedures from Black Knight when introduced to find inconsistencies.

● Answer all questions from QR Team, Processors, Branch Marketing Assistants/Production Specialist, and Underwriters on loan specific information

● Processor Team Lead

● Process Conforming and Non-Conforming, FHA, VA, Conventional, USDA, Portfolio, 203B with Escrow Repair, one of three processors who could process 203K Loans, and Short Sale Loans.

● Perform UW Review of Verification of Employment, Loan Payoffs, Verification of Rent/Mortgage, Appraisals, Title Work, Homeowner’s Insurance, and other conditions working directly with our Underwriting Team.

● Clear all Conditional Approval items not specifically marked for UW Review on Conventional, Portfolio, and Government Loans.

● Perform final QR/ Pre-Close Review

● Prepare file Closing Department

Quality Assurance Reviewer – Dec 2009 to Dec 2010

● Maintain Business License for all Branch Locations and set up new Branch Locations

● Maintain Re-Purchase Report

● Communicator to Branches on upcoming audits and upon completion would give results of audit and give guidance on how to correct problem areas.

● Maintain the Branch Directory with New Hires.

Education – 1989- 1993 Houston County High School, Houston County, AL

● Graduated 3rd in class with a 3.96 GPA

● Best All Around Athlete

● Softball Scholarship to Chattahoochee Valley in Phenix City, AL

● Software: Microsoft Word, Microsoft Excel, Powerpoint, Publisher, Encompass, Calyx

(Point) Origination Software, TMO (The Mortgage Originator) Internet Explorer, Microsoft Outlook, Lotus Notes, Desktop Originator, FHA Connection, Loan Product Advisor, and Empower

Computer Experience

● Software: Microsoft Word, Microsoft Excel, Powerpoint, Publisher, Encompass, Calyx

(Point) Origination Software, TMO (The Mortgage Originator) Internet Explorer, Microsoft Outlook, Lotus Notes, Desktop Originator, FHA Connection, Loan Product Advisor, and Empower

References: Available Upon Request

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