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Click here or scroll down to respond to this candidateCandidate's Name
Ready today!Jacksonville, FL Street Address
EMAIL AVAILABLEPHONE NUMBER AVAILABLEFinancial Professional with 15+ years in the banking industry. Experience ranges from customer service roles in Mortgage Loan Originations to Account Executive positions for prestigious clients such as Microsoft Financing and Merrill Lynch Home Loans. I also have wealth of experience in all types of loan processing that requires excellent attention to detail with reviewing credit, income and assets while always adhering to current compliance standards.Willing to relocate: AnywhereAuthorized to work in the US for any employerWork ExperienceProcessing ManagerFreedom Processing Services-Jacksonville, FLOctober 2019 to February 2024 Maintained a current knowledge of all rules, regulations and laws that apply to mortgage lending as well as BSA/OFAC/USA Patriot Act/CIP/AML Set daily priorities for all processing staff, while maintaining compliance with regulatory guidance. Maintained feedback with loan officers, department managers Real Estate Agents, Brokers, Closers/ Funders to ensure high standards of continuing loan quality and peer effectiveness. Ensured all processing staff met required deadlines for loans within their pipeline. Provided guidance to all processing and support staff on program guidelines and acceptable. Reviewed all documentation to ensure it met program, agency and investor guidelines Ensured ongoing proficiency in how to look up all program guidelines. Fluent with DU & LP. Ensured ongoing proficiency with FHA, VA, Construction Conventional, HUD and Agency guidelines. Assisted other departments within organizations with resolving any issues with problem files in order to protect the Banks from possible loss. Provided ongoing training, coaching and mentoring to staff on a regular basis. Ensured the organizing and maintaining of pipeline reviews withal all department managers and brokers. Maintained a thorough knowledge of the Loan Origination System as well as Fiserv, Encompass as well as many other related systems, implementing changes to worksheets and work flows within the systems. Monitored doc prep systems for processing documents being utilized by department staff, making sure all were current and compliant, making adjustments as necessary. Identified procedural revisions or suggested policy changes as required by any defect findings, compliance issues or guideline updates, ensuring system changes or enhancements. Worked closely with Lending Institutions and Brokers to keep open lines of communication. Oversaw daily proactive pipeline management and file assignment. Generated reports for management teams and adjusted target volumes as necessary. Managed all business compliance, ensuring compliance and adherence to all regulations. Held daily staff meetings, ensuring the team was keeping up to speed on business objectives, individual goal's, process improvements or adjustments and compliance requirements. Experienced in managing quarterly and annual employee performance reviews. Skilled in managing client complaints and escalation phone calls, quickly overcoming any objections or frustrations regarding the loan process and calming customers concerns. Sr. Loan ProcessorCarrington Mortgage Services, LLC-Jacksonville, FL August 2016 to August 2019 Provided daily proactive pipeline management Communicated with customer and Loan Officer consistently and effectively, while providing excellent service Maintained contact schedule with customer and Loan Officer, updating loan record on all communication Communicated effectively to build relationships internally between the Loan Officer, Closer, UW, set up, and lock desk departments etc Set expectations, provided timely status updates, and established deadlines for customers on returning conditions Coordinated all customer activity in order to meet desired closing dates Managed a pipeline of over 50 active loans, driving activities to meet the customers expectations and to meet an on time closing Effectively managed and all work queues ensuring all required activity timelines were met. Restructured, re-priced transactions with the Loan Officer that do not meet underwriting guidelines Audited conditions prior to file submission to underwriting to confirm they meet requirements for approval. Assisted clients with loan level questions and concerns Reviewed reports to target loans in the pipeline that need special attention and prioritized accordingly. Delivered clean, complete and accurate files to both underwriting and closing Communicated effectively with clients, customers, and vendors with licensable parameters. Had access to, and worked with confidential financial data. Adhere to strict confidentiality policies and procedures. Perform related duties as requested by management. Processing Team LeadFreedom Mortgage Corporation-Jacksonville, FLMay 2014 to August 2016 Managed a team of loan processors on a daily basis. Conducted daily meetings, goal reviews and ensured productivity. Organized and maintained loan file reviews from loan application to fund to ensure all were being proactively worked and moving quickly. Provided reports and updates for the Vice President while also working with management throughout the organization to ensure an efficient loan process, adjusting volume targets and goals where necessary. Translate and coordinated event logistics, such as investor loan requirements and scheduled events as they relate to home financing. Sets daily priorities for all processing staff, while maintaining compliance with regulatory guidance Maintained feedback with loan officers, department managers, closers/funders to ensure high standards of continuing loan quality and peer effectiveness. Ensured sure all processing staff were meeting required deadlines for loans within their pipeline Provided guidance to all processors and support staff on program guidelines and acceptable documentation to meet program, agency and investor guidelines. Stayed proficient on all program guideline's and bank regulations. Fluent with DU & LP Stayed proficient with FHA, VA, Construction Conventional, HUD and Agency guidelines Worked with other departments in resolving issues with problem loan accounts in order to protect the company from any fraud or losses. Provided ongoing training, coaching and mentoring to staff on a regular basis. Maintained a thorough knowledge of the Loan Origination System as well as all related systems. Identified and implemented changes to worksheets and work flows within the system as necessary. Monitored doc prep system for the processing of documents utilized by department staff for any necessary updates or improvements. Identified any required procedural revisions or policy changes that were necessary upon defect findings, compliance and or guideline updates. Flagged for system changes or enhancements and made the appropriate parties aware. Worked closely with all managers to keep open lines of communication Maintained a current knowledge of all rules, regulations and laws that apply to mortgage lending as well as BSA/OFAC/USA Patriot Act/CIP/AMLMerrill Lynch Home Loans Senior ProcessorPHH Mortgage-Jacksonville, FLApril 2012 to April 2014 Translated and coordinated event logistics, such as investor loan requirements and scheduled events as they relate to home financing. Assigned tasks for order out and expedited them myself as necessary. Review title reports and work with title as needed to ensure clear chain of title. Ordered subordinations as necessary. Set the appropriate customer expectations to meet turnaround times on the receipt of the application package and trailing documents. Run D/U and set the required conditions needed for credit, income and assets. Reviewed loans to ensure all compliance conditions were met. Worked with underwriters to review credit and address any concerns. Review all credit, income and asset documents provided by the customer and ensuring all met Investor guidelines. Communicated with customers and third party stake holders such as Real Estate Agents, Financial Analysts and Title Companies. Continuously kept the customer first by answering phone calls and e-mails, providing support, keeping track of issues and resolutions and using the system and support departments to resolve recurrent problems. Managed inbound and outbound communications with the customers and all third party stakeholders. Built and maintained very positive working relationships with all third party stakeholders. Set expectations for all parties and worked closely with Borrowers, Advisors and Wealth Management Bankers throughout the process. Moved quickly to get conditions cleared with underwriters and obtain clear to close. Reviewed closing documents, settlement statement and worked with title to balance and schedule closings. Met daily goals and exceeded monthly account volume. Account ExecutiveBalboa Capital-Jacksonville, FLFebruary 2012 to April 2012 Interacted with customers and perspective customers as needed Built and maintained good working relationships both inside and outside of the company. Demonstrated conflict resolution and communication skills Demonstrated a positive and optimistic mindset, even in the face of challenges. Demonstrated the ability to multi-task and manage multiple assignments. Demonstrated above average time management, organizational, creativity, and cooperation Calculated lease figures (add, subtract, multiply, divide, calculate discounts, interest, and taxes) Demonstrated skill and ability to critically think and problem solve in a variety of situations; think outside the box Demonstrated flexibility and understanding, showing the ability to work well under pressure Demonstrated capability to work in fast-paced environments and ability to adapt to changing conditions and work environments. Effectively presented information to new accounts and clients, responding to questions one-on-one and in small groups with customers, managers, and other staff. Worked closely and in conjunction with the Sales Consultants, Sales Managers, Sales Coordinators, and Customers to ensuring a smooth functioning and flowing sales process Setup all sales orders, which included file creation, system input, and approval processing Work closely with Company Representatives to ensure proper approvals are in place Prepared/created lease documents and sent out for signature Followed up on outstanding documents if not received back in a timely manner Worked closely with consultants, regional leaders and coordinators to ensure all items were in place for order processing and ensured that any outstanding items were turned in before delivery and/or funding submittal Finalized all lease orders, ensuring funding pack preparation, submittal, and processing of funding reports Managed all tasks so that completion took place within set timeframes established Maintained system updates and the utilization of multiple reports (such as expiring Bank Applications and Rates, Open Quotes, Open Invoices, Monthly Funding, Lease % by Consultant, and all others necessary) Supported management with special tasks, projects, presentations, and reports Supported any other Coordinators as needed and when time permitted Senior Account ExecutiveMicrosoft Financing-Jacksonville, FLMay 2008 to February 2012Start to finish experience in loan document generation, calculation, booking and funding process. Communicated with Microsoft Partners regarding daily financing projects. Maintained ongoing pipeline reporting and closing forecasts in the multi-millions of dollars. Demonstrated strong project management skills and excellent communication skills with a focus on process excellence as well as cross group collaboration. Demonstrated experience in financial rhythm such as close, forecast and budgeting Utilized excellent problem solving skills with an outstanding customer service orientation for high profile accounts. Supported the Service Representatives and their teams in achieving target revenues for Microsoft Financing. Demonstrated success in Consultancy and Product Support contracts Financial adjustments and collection adjustment experience Managed vast amounts of data, showing exceptional organization skills, software analysis and testing and assisted in the auditing process. Extensive success with relationship management and project assignments with corporations including Microsoft, Ricoh, Konica Minolta Premier Finance and more. Vendor Account SpecialistCIT-Jacksonville, FLMay 2007 to May 2008 Reviewed Lease Documentation for accuracy and acceptability Booked transactions through various complex software systems. Audited new business and processed to insure data integrity Demonstrated a comprehensive understanding of program management, documentation review and auditing parameters. Developed and maintained an optimized strategy of financial services for high profile accounts generating high volumes. Demonstrated a unique ability in regards to relationship management and financial analysis Senior Team LeaderNew Century Mortgage Corp-Reston, VANovember 2005 to February 2007Extensive experience in loan calculations along with rate calculation and loan proposals. Negotiated and coordinated the closing of major and complex consumer residential loans in compliance with lending policies and procedures Processing, underwriting and funding of loan files Assisted in attaining established region and branch goals through active participation in sales management and financial advisor programs, and provided leadership, training, and support to financial advisors Consistently met and superseded revenue requirements and goals Developed marketing strategies to target consumers Educate the consumer in regards to loan programs, financial aspects and the benefits of a home refinance. Work figures for what consumer qualifies for, interest rates, monthly payments and present them with numerous financial options. Extensive outbound calling to generate business leads Excellent with customers and very good at building long term customer relationships. Top producer within the branch within first 6 months in the industry. Responsibility of training other loan advisors, scheduling and helping with other loan advisors deals. First ResponderGovernment Contracting-McLean, VAApril 2002 to November 2005 Performed static and mobile low-profile protection and counter surveillance to Principal. Performed motorcade duties in support of the Principal utilizing Motorcade training. Coordinated activities and movements while part of a larger detail. Travelled in support of protective operations, both domestically and internationally as needed. Liaised with local authorities when necessary and as applicable emergency situations arise. Practice OPSEC and COMSEC with sensitive and confidential material. Performed ad hoc duties based on client needs. Conducted advance work and developed reports on gathered intelligence Took additional deployments abroad as a first responder in order to provide fast, on the ground, support to law enforcement agencies in the midst of crisis. Armed Arrest Officer/SupervisorDepartment of Criminal Justice-McLean, VAApril 2000 to November 2003 Responded to emergency situations utilizing training techniques, laws/regulations, and good judgment. Responded to threats and suspicious activities. Safeguarded the public, personnel, guests, visitors, and properties. Conduct stationary and roving patrols, providing active deterrence to illegal activity Communicated with and provided assistance to the public. Participated in investigations, sting operations aimed at eliminating drug and gang activity. Responded to calls for help Prepared reports and duty logs each day. Documented all incidents or hazardous conditions including detecting suspicious behavior. Monitored alarms and fire systems. Investigated/assisted with accidents or robberies. Participated and assisted with emergency evacuations. Patrolled several city blocks in high crime areas in effort to clamp down on illegal activity in all weather conditions. Apprehended perpetrators. Defused stressful situations and attempted to prevent them from escalating. EducationAssociate in Criminal JusticeNVCC - Arlington, VAJanuary 2001 to December 2004Skills Excel (10+ years) Negotiation (10+ years) training (6 years) Microsoft Office (10+ years) User Interface (UI) Law Enforcement (5 years) Writing skills (10+ years) retail sales Fair Housing Regulations (10+ years) Outbound Sales (5 years) Sales Pipeline (8 years) Social Networking (10+ years) Presentation Skills (4 years) Team Leadership (6 years) Business Development (4 years) Customer Service (10+ years) Microsoft Office (10+ years) Underwriting (5 years) ICU Experience (1 year) CRM Software (8 years) Relationship Management (10+ years) Social Media Management (5 years) Loan Officer Experience (6 years) Web Services (5 years) Word processing (10+ years) Lending (10+ years) Management Experience (6 years) Security (4 years) Data Entry (8 years) Supervising Experience (8 years) Analysis Skills (8 years) Data Entry (6 years) Microsoft Outlook (10+ years) Joint Operations (10+ years) Pricing Microsoft Powerpoint (4 years) Organizational Skills (10+ years) Loan origination (5 years) Loan Origination (6 years) Process Improvement Microsoft Word (10+ years) Marketing (5 years) Account Management (10+ years) Databases (10+ years) Customer Relationship Management (10+ years) Time Management (10+ years) Leadership Experience (6 years) Project Management (4 years) Financial Services (10+ years) Microsoft Word (10+ years) Excel (10+ years) Sales Pipeline Credit Analysis Bank Secrecy Act Financial Analysis Compliance Management Business Analysis Agile Salesforce Quality Assurance Data entry Databases Quality audits Quality control Business coaching Staff training Leadership Corporate finance Data pipelines Typography Typing 10 key typing Computer skills Microsoft Office Microsoft Word Microsoft Excel Adobe Flex Customer support Customer retention Customer acquisition Customer service Customer relationship management Account development Account analysis Document review DocuSign Google Docs Report writing Credit analysis (10+ years) Underwriting (8 years) Windows Remote Desktop (8 years) Debits & credits (10+ years) Microsoft Word (10+ years) Microsoft Excel (10+ years) Microsoft Office (10+ years) Data pipelines (10+ years) Data entry (10+ years) Customer retention (10+ years) Customer support (10+ years) Account reconciliation (10+ years) Account reconciliation (10+ years) Quality assurance (10+ years) Microsoft SharePoint Oracle ERP systems (10+ years) Fiserv (10+ years) Profit & loss (10+ years) Loan origination (10+ years) Loan processing (10+ years) Loan Servicing (10+ years) Quality audits (10+ years) Title processing (10+ years) ALTA surveys (10+ years) Subordinations (10+ years) Internal audits (10+ years) Debits & credits (10+ years) Credit analysis (10+ years) Credit Risk (10+ years) SAP CRM (5 years) Citrix (10+ years) Encompass (10+ years) DocuSign (8 years) Loan processing (10+ years) Adobe Acrobat (10+ years) Quality audits (10+ years)Certifications and LicensesDriver's LicenseSAFE TestJuly 2020 to July 2023Passed Safe TestDriver's LicenseApril 2020 to April 2030DL |
