VANISHA DAVIS
Charlotte,NC
Summary
Achievement-oriented Mortgage Professional with over 10 years of experience. Proven track record of managing complex projects while supporting high-performing teams in achieving overall success. Focuses on driving positive change by identifying opportunities, introducing best practices, and implementing process improvements. Value- centric leader who thrives within fast-paced environments delivering forward-thinking and professionalism.
Overview
10
10
years of professional experience
1
1
Certification
Work History
POST CLOSER
SoFi Bank/Wyndham Capital Mortgage
Remote, NC
07.2020 - Current
- Perform a thorough analysis of conditions placed on loans and coordinate with internal and external partners to cure investor deficiencies such as missing, incomplete documents and/or discrepancies
- Manage post-consummation TRID compliance, including issuing revised Closing Disclosures and coordinating refunds to borrowers for incorrectly disclosed fees or tolerance violations
- Identify loan deficiencies and trends by reporting them to management in order to develop enhancements to procedures, training, and tools that will reduce suspense fees and leakage
- Collaborated on special project to achieve 400 aged loan purchases by investors within 30 days.
SUSPENSE ANALYST
Fifth Third Bank
Charlotte, NC
01.2018 - 07.2020
- Executed a complete audit of closed mortgage loans files of over 50+ Correspondent mortgage lenders to ensure loan meets all product and property guidelines of Company and investor, as well as compliance with secondary market standards
- Issued Approvals, denials and suspense conditions for missing documentation
- Conducted a quality control review by performing a thorough review of loan documents to identify any errors, discrepancies, or missing information that may require correction or clarification
- Performed a compliance ease review to determine if any TRID violation occurred or cure deficiencies were present
- Documented all conditions thoroughly and accurately within 24-48 hours through the utilization of the origination loan system, portal, and email communications as applicable.
TRANSACTION PROCESSING ANALYST
Accenture (PHH Mortgage)
Charlotte, NC
11.2015 - 01.2018
- Performed assessment on elements of the credit decisioning process to approve a loan, including underwriting guidelines, income calculation, and validation of assets.
LOAN ADJUSTOR
Wells Fargo
Charlotte, NC
05.2014 - 09.2015
- Reviewed customer hardship, financials, income, tax returns, credit report, and current property value assessments to mitigate potential loss with decision authority of $500K to 900K
Education
ASSOCIATE OF SCIENCE - ACCOUNTING -
Rowan Cabarrus Community College
Charlotte, NC05.2019
Skills
- Encompass / LOS
- Knowledge of Conv, FHA, VA and Investor guidelines
- Regulatory Compliance Documentionn
- Quality Assurance and Auditing
- Proficient in Microsoft Office Suite
- Organization Skills
Certification
- North Carolina Loan Originator License #1477562
- Mortgage Banking Certification
Timeline
POST CLOSER
SoFi Bank/Wyndham Capital Mortgage
07.2020 - Current
SUSPENSE ANALYST
Fifth Third Bank
01.2018 - 07.2020
TRANSACTION PROCESSING ANALYST
Accenture (PHH Mortgage)
11.2015 - 01.2018
LOAN ADJUSTOR
Wells Fargo
05.2014 - 09.2015
ASSOCIATE OF SCIENCE - ACCOUNTING -
Rowan Cabarrus Community College
- North Carolina Loan Originator License #1477562
- Mortgage Banking Certification
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