Supervisor

• Apr 2022 - Present

Ensure safety program implementation and complianceLead and Supervise all AssociatesComplete all online management and leadership training and developmentRecruit hire, train and deploy a capable work forceEnsure all labor, supply and equipment budget targets are metConduct periodic quality audits within the facility and address any deficiencies immediatelyConduct periodic performance reviews with client leadership to ensure all requirements and cleaningEnsure that janitorial work and floor projects are completed within required standards

Supervisor

• Apr 2022 - Present

Senior Loan Processor

• Apr 2021 - Feb 2022

Gathering information for the loan application Evaluating credit histories for applications Collecting data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application Researching and correcting mistakes in applications for clients Reviewing file documentation for missing or erroneous information Meeting loan application deadlines Assisting Loan Officer with requests and tasks needed to complete and process applications Orders supporting documentation, such as appraisals, verification of employment, verification of deposits, etc. Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.

Corporate Branch Processor

• Jul 2020 - Apr 2021

Compiles financial and other needed data to complete loan file Orders supporting documentation, such as appraisals, verifications of employment, verifications of deposits, etc. Evaluates loan applications for reasonableness and, if needed, escalates files for further evaluation Communicates with Loan Officer/LOA to obtain missing documentation Reviews files for completeness prior to submission to Underwriting Obtains documentation needed to clear conditions, if required Submits approved files to Closing Prioritizes workflow so loans close on time Communicates with title company, appraiser, and other vendors as required Provides excellent customer service to borrower, loan officer, LOA, vendors, and other interested parties Prepares and sends approval and denial letters. Directs client to Loan Officer or other Licensed employee to clarify and or answer any questions Records data on the status of loans, including number of new applications and loans approved, cancelled or denied

Team Lead

• Oct 2017 - Jul 2020

Handle team of Mortgage Loan processing.Supervise & allocate the task on daily operation.End to end Customer interaction & Loan processing operation.Review initial loan approval and work with borrower to gather appropriate documentation knowledge of Financial Federal and State Regulations (RESPA, HMDA, Financial Fair Housing Act, Flood Insurance, Fair Credit Reporting, TRID, Right of Rescission, etc.) and thus must have complete working knowledge of real estate transactions mortgage processing, closingto FNMA and FHLMC standards and TFCUoperations. Works independently and manages the pipeline to ensure meets or exceeds annual goals as establish through the Performance Management Process.Serves as a coach and mentor to staff regarding day-to-day operations.Helps Manager with coordinating the training of new personnel.Implement new work procedures as approved.Analyzes standard and complex real estate loan applications and closes them in accordance with department policies and procedures. Uses analytical ability and judgment to determine the acceptability of the information and documentation.Communicates with members and outside companies, as needed.Stays abreast of the secondary market and regulatory changes and makes recommendations regarding file quality standards, as may be required.Makes recommendations regarding workflow processes as may be needed to comply with changes.Collect all required documentation for the loan packageObtain property abstract, survey, and appraisalCreate a loan submission package for the Underwriting departmentSubmit completed files to assigned UnderwriterSatisfy all conditions when received from UnderwriterEnsure that approval falls within the established lending guidelinesCommunicate with other professionals, including attorneys, county clerks and title companiesSubmit approved mortgage loan application files to closing party for settlementAssist in training new mortgage loan processors

Mortgage Loan Processor

• Apr 2016 - Jul 2020

Interviewing loan applicants.Assisting applicants in selecting the most suitable mortgage option.Reviewing loan applications.Evaluating applicant financial information including salary, assets, debts, and expenses.Calculating applicant credit scores.Verifying the accuracy of applicant data.Approving or rejecting loans.Managing real estate loan documentation.Ensuring compliance with banking regulations.Submitting a detailed loan package to the Underwriting department.

Letter Carrier

• Feb 2014 - Mar 2016

Helping to sort and prepare the mail for delivery Deliver mail to mail boxes, receptacles and other designated areas Retrieve outgoing mail from businesses and residences Collecting of monies for COD’s (Cash on Delivery) as well as mail marked “postage due” Obtain signatures from customers for all mail that is registered, insured or certified Lifting, carrying and delivering heavy bags of mail as well as packages of all sizes and leaving notices for packages that are undeliverable Helping to sort and prepare the mail for delivery Deliver mail to mail boxes, receptacles and other designated areas Retrieve outgoing mail from businesses and residences Collecting of monies for COD’s (Cash on Delivery) as well as mail marked “postage due” Obtain signatures from customers for all mail that is registered, insured or certified Lifting, carrying and delivering heavy bags of mail as well as packages of all sizes and leaving notices for packages that are undeliverable

Customer Service Representative

• Jul 2013 - Feb 2014

*Provides exceptional Customer service by meeting all Customer demands as they relate to relatively straightforward inquiries, with the support of more experienced personnel *Originates loan applications *Understands Customer needs and provides new product solutions *Opens new accounts and processes changes to existing accounts *Generally resolves problems independently, escalating more difficult issues to supervisors *Performs a broad range of tasks of varying complexity and scope *Recognizes when to consult Managers with Bump it Up issues *May prepare documents for loan closings and coordinate appointments with Customers

Mortgage Servicing Representative

• Dec 2012 - May 2013

Responsible for mitigating the organization’s potential losses by collecting on delinquent mortgages and providing repayment solutions to assist customer with curing their delinquent account status.. Identifies and overcome road blocks and obstacles that prevent timely decisions for a customer.. Utilizes negotiation and judgment skills to determine the most appropriate solicitation for each customer while minimizing loss and maintaining top notch customer satisfaction and delight.. Utilizes business applications and appropriate technology to perform routine activities.. Received corporate certification for HUD and FHA guidelines.

Senior Account Specialist

• May 2010 - May 2013

Worked with customers to restructure their charged-off personal and business credit cards and consumer finance loans.. Managed a book of accounts averaging 1.5 million dollars monthly.. Received corporate certification in Anti-Money Laundering, Information Protection, Operational Risk Awareness, Business Continuity, Records Management and Card Act.

Senior Account Manager II

• Oct 2003 - May 2013

Risk Operations Senior Account Manager

• May 2010 - Jun 2010

Collected on early and late stage delinquency accounts, with a primary focus on Pre charge-off accounts. . Educated customers on account terms and alternate payment programs and methods.. Utilized and negotiated all payment programs to secure payments on Consumer Credit Card and Consumer Finance accounts.. Contacted delinquent or high-risk customers in order to secure payments.

Foreclosure Referral Review Representative

• Feb 2012 - Dec 2012

Performed loan reviews to ensure federal, state, and investor guideline are met prior to approving loans for foreclosure. . Utilized business applications and appropriate technology to perform routine activities. . Maintained and adhered to internal operational controls and ensures they meet company standards. . Shared best demonstrative practices and recognized for a job well done. . Received corporate certification for HUD and FHA guidelines. Performed loan reviews to ensure federal, state, and investor guideline are met prior to approving loans for foreclosure. . Utilized business applications and appropriate technology to perform routine activities. . Maintained and adhered to internal operational controls and ensures they meet company standards. . Shared best demonstrative practices and recognized for a job well done. . Received corporate certification for HUD and FHA guidelines.

Customer Satisfaction Account Manager

• Oct 2003 - Jun 2010

Handled customer calls related to account maintenance requests, account activity, product services, and benefits inquiries. . Sold several products through account recognition skills to existing customers. . Supported customer satisfaction excellence and revenue generation plans. . Served as a team captain who takes on manager responsibilities. . Certified as a Connect Coach. Handled customer calls related to account maintenance requests, account activity, product services, and benefits inquiries. . Sold several products through account recognition skills to existing customers. . Supported customer satisfaction excellence and revenue generation plans. . Served as a team captain who takes on manager responsibilities. . Certified as a Connect Coach.

Dictaphone

• Jan 1996 - Dec 2003

Validate all order paperwork submitted to ensure completeness and accuracy Read contract to identify invoicing, special subscription invoicing terms, payment and acceptance terms Process all orders timely to ensure shipment, implementation and revenue as quickly as possible while maintaining Sarbanes-Oxley compliance Process all changes to orders timely Set up contract and billing parameters in subscription billing system (iCab) Validate customer setup, pricing schedules and rates to prepare billing events and monthly invoices Process invoices timely while understanding affects on cash receipts Email invoices to specific contract customers Process professional services travel expense invoices as travel is incurred Issue credits and rebills of invoices accordingly Reconcile order and invoicing dollars Prep and process vendor invoices for payment Setup staffing forecasts and budgets for professional services forecasting Research discrepancies and present solutions to problems Complete and submit all required SOX (Sarbanes-Oxley) transactional review sign off forms timely and accurately Document all order activity and attach all order paperwork in Oracle system. Log and track subscription transactions Establish communication and coordination as needed with sales, service, professional services team, customer and all other departments regarding order status and inquiry