Aleatha Combs
Savannah,GA
Summary
Experienced mortgage professional with a strong background in Encompass LOS, loan file review, and mortgage loan processing. Known for accuracy, organization, and clear communication while managing complex files and meeting fast-paced deadlines.
Overview
1
1
Certification
16
16
years of professional experience
Work History
Merchandise Service Team
Lowes Home Improvement Store
Savannah, GA
05.2025 - Current
- Engage with customers to answer questions, provide product information and help locate items.
- Displayed products attractively, stocked them accurately, and ensured correct pricing to enhance customer shopping experience.
- Updated and validated price labels and promotional signage to maintain pricing accuracy and promotional visibility.
- Stocked shelves, rotated inventory, and organized products for easy customer access and improved shopping efficiency.
Cash Office Associate
Lowes Home Improvement Stores
Savannah, Georgia
05.2024 - Current
- Executed bank deposits following accounting practices to ensure secure fund transfers.
- Completed bank deposits with proper accounting controls for secure fund transfers.
- Supported secure fund transfers through compliant bank deposit processing.
- Ordered cash for registers to support starting cash needs and reduce cash shortages.
- Managed cash orders to keep registers stocked with starting cash and prevent shortages.
- Audited cash register and POS totals to identify and rectify discrepancies.
- Resolved cash register and POS variances through daily audits and reconciliations.
- Improved cash accuracy through daily audits, reconciliations, and discrepancy resolution.
- Prepared balanced cash and register bags for next sales day.
Cashier
Lowes Home Improvement Stores
Savannah, Georgia
10.2022 - Current
- Processed cash, check, and credit card payments at register.
- Guided customers through self-checkout process and addressed technical issues to ensure smooth transactions.
- Greeted customers and provided assistance to enhance shopping experience.
- Verified IDs for military discounts and age-restricted items while maintaining organized checkout areas and restocking supplies.
Setup Processor
Fairway Independent Mortgage Corporation
Madison, GA
10.2020 - 04.2024
- Collected USPS address checks, flood certificates, appraisals, titles, FHA and VA case numbers, CAIVRS, tax transcripts, and third-party verifications such as employment, rent, and mortgage.
- Reviewed loan files for accuracy and completeness to assist loan processors in maintaining quality standards.
- Forwarded loan files to processing within 24 hours of receipt in setup queue.
- Monitored outstanding order items and ensured timely follow-up to meet company deadlines.
Loan Processor
Capital City Home Loans
Savannah, Georgia
11.2019 - 09.2020
- Reviewed loan files for accuracy and compliance with lending guidelines.
- Verified borrower details by confirming application information and updating records for accuracy.
- Prepared loan documents to support timely approvals and funding.
- Completed underwriting conditions as requested by underwriting team.
- Coordinated communication between borrowers and loan officers to ensure clarity and understanding.
- Prioritized workload to keep tasks moving in fast-paced environment.
- Coordinated scheduling of closing dates with title companies and attorneys to ensure timely processing.
Production Assistant
New American Funding
Savannah, Georgia
04.2019 - 10.2019
- Entered applications into Encompass and prepared files for processing.
- Verified initial 1003 and borrower documentation were uploaded to E-folders.
- Coordinated orders for address verifications, flood certificates, appraisals, titles, FHA and VA case numbers, CAIVRS, tax transcripts, and third-party verifications, ensuring timely follow-up on all orders.
- Verified file locks, identified missing documentation, and organized files in correct order to facilitate efficient processing.
Loan Setup Associate
Brand Mortgage
Savannah, Georgia
12.2010 - 01.2019
- Reviewed loan applications for accuracy and completeness.
- Uploaded supporting documents to e-folders in Encompass LOS and informed loan officer of missing items to facilitate timely loan processing.
- Coordinated orders for address verifications, flood certifications, appraisals, titles, FHA and VA case numbers, CAIVRS, tax transcripts, and third-party verifications to ensure compliance and accuracy.
- Submitted loan files to processing within 24 hours of receipt in setup queue, ensuring prompt progression to the next stage.
Education
High School Diploma -
Bible Baptist Day School
Savannah, GA06-1984
Skills
- Encompass LOS
- Loan file review
- Underwriting conditions
- Document verification
- Order management
- Deadline tracking
- Data entry
- Attention to detail
- Time management
- Information verification
Accomplishments
- Top setup award with 820 units in 2017
Certification
- Certified Master Loan Processor Certification-National Association of Mortgage Processor (NAMP)
Timeline
Merchandise Service Team
Lowes Home Improvement Store
05.2025 - Current
Cash Office Associate
Lowes Home Improvement Stores
05.2024 - Current
Cashier
Lowes Home Improvement Stores
10.2022 - Current
Setup Processor
Fairway Independent Mortgage Corporation
10.2020 - 04.2024
Loan Processor
Capital City Home Loans
11.2019 - 09.2020
Production Assistant
New American Funding
04.2019 - 10.2019
Loan Setup Associate
Brand Mortgage
12.2010 - 01.2019
High School Diploma -
Bible Baptist Day School