Kathy Skaggs
Client Specialist at First Horizon Mortgage- Claim this Profile
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Bio
George Abraham
I had the pleasure of working with Kathy for around 5 years at Capital One Bank, collaborating on several teams (fulfillment and Quality assurance), I was amazed by Kathy’s ability to juggle multiple projects was unlike any I’ve seen before and made a dramatic difference in the productivity level of our team Specially the QA files reviews QA files assignment. I was always in awe of Kathy’s ability to get people on board with ideas—even people who were initially on completely different pages. I was particularly impressed by Kathy’s ability to handle even the toughest months where production was increasing on a daily basis and more files need review and assignment. Finally, Kathy would be an asset to any team and any employee would be lucky to have Kathy in their team.
Carolee Dent
I have worked with Kathy for about 5 years at Capital One. Kathy always has a positive attitude. She was a great loan processor with knowledge of many types of loans. Most recently Kathy and I were on the same team with Kathy being a QA underwriting reviewer. She possesses a high attention to detail in her work. She was direct and clear with her responses to reviews. I would highly recommend Kathy for employment.
George Abraham
I had the pleasure of working with Kathy for around 5 years at Capital One Bank, collaborating on several teams (fulfillment and Quality assurance), I was amazed by Kathy’s ability to juggle multiple projects was unlike any I’ve seen before and made a dramatic difference in the productivity level of our team Specially the QA files reviews QA files assignment. I was always in awe of Kathy’s ability to get people on board with ideas—even people who were initially on completely different pages. I was particularly impressed by Kathy’s ability to handle even the toughest months where production was increasing on a daily basis and more files need review and assignment. Finally, Kathy would be an asset to any team and any employee would be lucky to have Kathy in their team.
Carolee Dent
I have worked with Kathy for about 5 years at Capital One. Kathy always has a positive attitude. She was a great loan processor with knowledge of many types of loans. Most recently Kathy and I were on the same team with Kathy being a QA underwriting reviewer. She possesses a high attention to detail in her work. She was direct and clear with her responses to reviews. I would highly recommend Kathy for employment.
George Abraham
I had the pleasure of working with Kathy for around 5 years at Capital One Bank, collaborating on several teams (fulfillment and Quality assurance), I was amazed by Kathy’s ability to juggle multiple projects was unlike any I’ve seen before and made a dramatic difference in the productivity level of our team Specially the QA files reviews QA files assignment. I was always in awe of Kathy’s ability to get people on board with ideas—even people who were initially on completely different pages. I was particularly impressed by Kathy’s ability to handle even the toughest months where production was increasing on a daily basis and more files need review and assignment. Finally, Kathy would be an asset to any team and any employee would be lucky to have Kathy in their team.
Carolee Dent
I have worked with Kathy for about 5 years at Capital One. Kathy always has a positive attitude. She was a great loan processor with knowledge of many types of loans. Most recently Kathy and I were on the same team with Kathy being a QA underwriting reviewer. She possesses a high attention to detail in her work. She was direct and clear with her responses to reviews. I would highly recommend Kathy for employment.
George Abraham
I had the pleasure of working with Kathy for around 5 years at Capital One Bank, collaborating on several teams (fulfillment and Quality assurance), I was amazed by Kathy’s ability to juggle multiple projects was unlike any I’ve seen before and made a dramatic difference in the productivity level of our team Specially the QA files reviews QA files assignment. I was always in awe of Kathy’s ability to get people on board with ideas—even people who were initially on completely different pages. I was particularly impressed by Kathy’s ability to handle even the toughest months where production was increasing on a daily basis and more files need review and assignment. Finally, Kathy would be an asset to any team and any employee would be lucky to have Kathy in their team.
Carolee Dent
I have worked with Kathy for about 5 years at Capital One. Kathy always has a positive attitude. She was a great loan processor with knowledge of many types of loans. Most recently Kathy and I were on the same team with Kathy being a QA underwriting reviewer. She possesses a high attention to detail in her work. She was direct and clear with her responses to reviews. I would highly recommend Kathy for employment.
Experience
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First Horizon Mortgage
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United States
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Banking
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100 - 200 Employee
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Client Specialist
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Oct 2022 - Present
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FBC Mortgage, LLC
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United States
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Financial Services
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400 - 500 Employee
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Mortgage Loan Processor
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Sep 2019 - Apr 2022
loan processor loan processor
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AmCap Mortgage, LTD
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United States
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Financial Services
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200 - 300 Employee
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Mortgage Loan Processor
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May 2019 - Aug 2019
Provided support to branch loan officers and dealers/builders with the evaluates loan applications and documentation by confirming credit worthiness. Improves loan applications and documentation by informing applicant of additional requirements. Rejects loans by explaining deficiencies to applicants. Approves loans by issuing checks or forwarding applications to loan committee. Provided support to branch loan officers and dealers/builders with the evaluates loan applications and documentation by confirming credit worthiness. Improves loan applications and documentation by informing applicant of additional requirements. Rejects loans by explaining deficiencies to applicants. Approves loans by issuing checks or forwarding applications to loan committee.
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Finance of America Mortgage LLC
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United States
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Financial Services
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700 & Above Employee
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Sr Mortgage Processing Specialist
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Apr 2018 - Feb 2019
Finance of America Mortgage, Plano, TX 04/2018- 02/28/2019 Processing Specialist Provided support to loan originators and underwriters teams by ensuring the timely, judicious and accurate processing of mortgage. Assist in reviewing viable files for processing to closing, work closely with processing of mortgages. Reviewed and verify borrowers’ income, assets, credit report, employment histories, property appraisal and tile work information to appear loan applications for underwriter submittal. Ensure compliance with company policies, underwriting guidelines and lending programs requirements Assist branch office staff with approximately 15-25 closing per month Increase loan volume for region to an extra 10 loans per month, generating support for other branches Team lead for operation/processing, includes; training, backup and support Maintained a high level of customer service by being proactive in communication with customers to coordinate the process and closing efforts Request REPSA validation, along with requesting Closing Disclosures (CD) for closing Show less
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Capital One
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United States
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Financial Services
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700 & Above Employee
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QA Analyst
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Oct 2014 - Mar 2018
Analyzes completed underwritten applications for closing. ensuring assurance quality along with meeting compliance guideline with all lender's and regulatory requirements. Contemporary knowledge of business concepts, life cycles and processes• Understand complex or diverse information; conceptualize solutions to problems articulated by management• Effectively resolves problems in a timely manner, and to gather information and identify problems Show less
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Senior Loan Processor
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Jun 2012 - Oct 2014
Managed customer relationship and took necessary steps in accordance with internal policies and procedures to bring the transaction to a ready close status. This included the efficient use of company technology systems to apply proper processing and underwriting for all types of transactions.• Managed loan process from loan origination to closing with a monthly loan pipeline of 30 accounts• Funded 75% of mortgage pipeline monthly with 45-day turnaround from loam loan origination to closure. Cleared any discrepancies prior to close.• Liaison between loan applicants, loan officers, appraiser and underwriters. Facilitated ongoing communication between loan officers and customers to ensure quality customer issues and requires. Assisted underwriters with difficult and exceptional issues to ensure loan closure.• Analyzed customer data to identify opportunities to improve loan application and provide customer education. Accomplishments: Received over 9 top awards for being the top producer. Assisted in training of new processors for new product lines that for the business such as; FHA, VA, HARP, Community Development Lending, Employee loans, Conventional. Show less
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Mortgage Pipeline Coordinator
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Aug 2011 - Jun 2012
Monitored active mortgage loan applications with management in both conventional and government products to examine and evaluate for the closing loans in a timely basis.• Reviewed loan files and determined documentation required to meet investor guidelines• Communicated and responded to internal customers (Loan Consultants, Processing Managers) and external customers (borrowers, 3rd party vendors) generally within two hours• Utilized pipeline reports to effectively manage loans and prioritize daily workflow• Became proficient with document management system and updated all information appropriately and accurately in system• Consulted with Loan Processing Manager weekly on loan status and prioritize workflow accordingly• Maintained knowledge of guidelines and loan program Show less
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Wells Fargo
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United States
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Financial Services
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700 & Above Employee
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Sr Loan Processor
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Oct 2010 - Apr 2011
Reviewed HARP files of complex home loan applications which included: timely and clear communication with customers, settlement agents, brokers, and other counter-parties to obtain missing information and documentation for the loan files and managing assigned pipeline. • Determine initial potential for qualification by evaluating credit history, income levels and assets/liabilities; calculate debt- to-income and loan-to-value ratios. • Provided borrower with real time updates as to the status of their loan along with requests for supplemental loan documentation • Assemble and submit completed file to Underwriting (UW); clear manual conditions, cure title issues, resolve appraisal discrepancies with appraisal review group as needed. • Coordinated the borrowers closing appointment by providing loan documents to the closing agent as well as facilitating changes to final required documents for wire disbursement Show less
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Southwest Funding
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United States
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Financial Services
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300 - 400 Employee
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Senior Loan Processor
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Dec 2008 - Feb 2010
Worked remotely and preformed all functions for the processing for five mortgage originators and was paid per closing. Primary liaison between departments, clients, third party companies and investors. Managed a pipeline 20-50 loans monthly while sending over 50%to closing table. • Entrusted with most complex customer service issues due to exceptional ability to promptly resolve concerns and satisfy customers • Resolved routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens re-conveyances • Collaborated with each loan officer to determine lender/ product line that each application should be submitted • Maintained a high level of customer service by being proactive in communication with customers to coordinate the process and closing efforts • Processed FHA/VA, Fannie Mae, Freddie Mac, reserves mortgages, along with second mortgage and first-time homebuyers • Reviewed preliminary and final HUD, Reviewed all closed transactions Show less
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