Prepared loan documentation to various lender guidelines, balanced HUD/Settlement statements, walked files from originators through lender guidelines, processing through underwriting, and ultimate closing. Assisted/supported three companies.

Generated new business, built upon company brand, and provided viable alternative sources for individual financial needs.

Mortgage consultant (consumer residential lending)

Consumer finance industry. Solicited and cross-sold auto loans, credit cards, ancilliary products, and home mortgages.

o Identify, sample, and review both Prefund and Post Close mortgage files for adherence to applicable internal and external guidelines. Those files consist of Conventional (Fannie Mae and Freddie Mac), Government (FHA, VA, and USDA), and Investor products. Responsible for relaying findings to Operations, Underwriting, Closing or relevant areas to address and correct deficiencies.o Perform due diligence tasks for QC team and help advance opportunities for improvement. o Participate in audit preparation and processes (MORA – Fannie Mae) Show less

* o Challenged to develop cooperative relationships with line-of-business management to identify learning opportunities. * o Interacts with industry peers and adapts skills in order to continually update processes and methodologies. * o Maintains knowledge of both new regulatory and company products and guidelines while identifying, creating, and delivering training on mortgage-related subject matter. * o Acts as both a processing and underwriting help desk agent answering loan scenario questions for loan officers regarding both loan structure and file setup. Further assists mortgage processing personnel regarding processing tasks and loan closing. * o Performs UAT testing for new product changes

* o Managed and resolved customer escalations regarding mortgage and home equity files as member of Executive Team. * o Analyzed customer satisfaction surveys identifying trends, patterns, and division-related customer satisfaction in relation to KPI’s and Customer Experience (CX). * o Demonstrated full comprehension of the roles and requirements of the mortgage processor, underwriter, closer, and all steps within the mortgage origination platform. * o Investigated source of complaints by working in conjunction with operations and lending partners, risk associates, compliance teams, and corporate counsel when needed. * o Compiled and drafted responses regarding Official Regulatory Complaints (CFPB), State Agencies, Better Business Bureau (BBB) with approval within the legal compliance department. * o Developed, implemented, and setup Complaints Management tracking system utilized in department. (2017 – 2020) * o Investigated and acted upon Permissible Purpose Compliance Audit reviews initiated by consumers.

* Mortgage Processor * o Reviewed loan applications and credit documents. * o Calculated income for both wage-earners and self-employed borrowers. * o Ordered DU findings for automated credit decisions. * o Ordered verifications, payoffs, title work, homeowners insurance, and credit supplements. * o Compiled and submitted paperless files to underwriting for credit decisions. * o Reviewed and cleared conditions on loans in order to obtain a final approval. * o Upon final approval prepared loan packages to send to the closing department. * o Coordinated loan closings with both customers, title companies, and attorneys. * o Stayed abreast of current lending guidelines on products offered.

* Loan Consultant/Senior Mortgage Processor * Preemptively assisted both self-sourced and internet marketed clients through a virtual Internet based origination environment. * Provided internet technical website assistance to site visitors. * Maintained communication while clearing title issues and pushed loans to ultimate disposition or closing.

Mortgage originator (consumer residential lending) Marketed and solicited Countrywide’s products to a wide variety of customers via both telephone, internet, and e-mail platforms. Matched portfolio home mortgage loan solutions to customer needs via a consultative approach. Actively followed up with customers through telephone calls, emails, and ongoing marketing. Closed loans, reviewed credit, put files together for review and lock placement, and walked thru until funding.