Anise R. Cooks Collins
Sourcepoint Mortgage- Compulink Service- Secretary of Housing and Urban Development (HUD) Servicing Company- Stonebridge Reverse Mortgage
Fredericksburg,USA
1
Certification
37
Years of experience
Driven finance professional and extensive background of maximum customer service opportunities and constantly exceeding performance goals as a Senior Mortgage Loan Processor and Loan Officer Assistant. Well-versed in Alt A, A paper, government, non-prime and hard money products. Proven ability to handle highly confidential personal and financial information in a timely manner. Computer savvy in MS Office Suite and proprietary mortgage-processing software. Accomplished in identifying and capturing opportunities to accelerate expansion and improve profit contributions. Adapt at working in fast passed environments by employing strong organizational skills with attention to detail.
Work History
Customer Service Administrative -Temporary Contract Position- Work Onsite
1 Month- Front Desk Duties: Greet Walkin Customer and assign them to an available Financial Agent. Maintain a friendly business atmosphere. Answer multiline phone system and input the reason for their call to further assist them. Update the customer files and set up an appointment to make payments or apply for an extended payment period agreement.
- Provide walk-in payment collections and release of payments agreement.
- Call customer as a reminder of payment due: Debt Collection. Support End-of–Month calls to customers to make payments prior to late fees for collections.
- Financial Lending- Short Term loans
3 Months
- Pending start date with Sourcepoint Mortgage was pushed back from: October 2023 to December 4, 2023.
- Notary Public - Commonwealth of Virginia #350288
Caller Team Customer Service
2 Years 5 Months- Conducted outbound calls to engage potential clients and gather feedback on services.
- Utilized CRM software to document interactions and track customer preferences.
- Developed effective communication strategies to improve client satisfaction ratings.
- Streamlined call scripts based on customer responses to enhance conversation flow.
Customer Service Specialist- Temporary Contract Position- Work from home
2 Years 6 Months- Provide customer service to the Elderly about their reverse mortgage. Inbound calls 60 and Outbound calls 100 Approx. per 8-hour shift. Provide a kind and interpersonal interaction with the Customer, Client and Employer. TEAM player and attend all meetings through TEAMS.
- Investigative customer to resolve problems in a timely manner. Update Data Base; Customer file information. Updates include Adding to Date Base: Alternate Contacts, Relatives, Attorneys and/or POA’s.
- Provide file records and update Data Base- chain of contact in case of death or hospitalization. Provide servicing to Transferred Mortgage Companies to Stonebridge Mortgage –Compulink Servicing Company (HUD) for servicing.
- Sourcepoint Mortgage Policy: Bring your own device-computer policy- Set-up and install systems: Secured Remote Worker, Cisco VPN, Horizon VPN, TEAMS, MS 365 Suite-Outlook, Access, OneNote, Excel, PowerPoint and OneDrive.
- Notary Public - Commonwealth of Virginia #350288
- Notary Public - Commonwealth of Virginia #350288
Customer Service Representative
9 Months- Administrative position to the Customer Service representative- Non licensure position. Consisted of Coding and processing the concerns of customers, clients, and underwriters for customer service. In-coming Email and Voice Message Call and Response Services. Opened, Processed and Coding of All U.S. postal mail, Headquarters Mail and Email. Use operations software: SharePoint, EPIC, Navient/ Microsoft Teams. Constant and on-going Coding processes change. Hybrid position, VPN and Full Automated Home-Office.
- Notary Public - Commonwealth of Virginia #350288
Mortgage Customer Service Specialist-Loan Coordinator
1 Year 4 Months- Mortgage Coordinator: Customer Support Specialist and Escalations Dept. Provided Inbound and Outbound customer Support: Call Center Update Loan File Status in Lakewood System and prepared files, or Underwriting review. Provided Borrower with the request for documentation needed by the Underwriter for Final Approval. Cleared Condition Needed for Loan Approval. Provided Support to: Loan Officers, Customer Advocates and Management TEAMS. Provided All Third-party Documentation Order and updates for: Title Company, Appraisal and Homeowners Insurance.
- WFH
Health Care/Personal Care Specialist
4 Years 1 Month- Visiting Angel's specialization- Senior Health Care. Transitioned current assignment and recipient from living at her home with in-home Health Care (Visiting Angel's) into a Rehabilitation Facility. Assisted with next transition into a Memory Care Unit "MCU" Assisted Living while inside the "MCU" my role is as a Private Personal Care Specialist. Hospice Care of MWH (visits the client while inside "MCU"). Our goal is to maintain a comfortable and thriving environment for the client and the family. Encourage wellness and make observations about the client's health and mental capacities. Coordination and scheduling with Mary Washington Hospital; Hospice Division. Hospice provides an extra level of comfort. Coordination with Visiting Angel's (my employer) and maintain daily plan of care to include baths and personal care.
Mortgage Coordinator
1 Year 1 Month- Duties: Coordinated time for the applicant to provide documents to the office. Gathered and up-loan information and prepared mortgage loans for preview before broker submits little loan package. Provide support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages. Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines, and lending-program requirements. Trainee for Virginia State and National Processor Licensure. On-call evenings and weekends.
- Notary Public - Commonwealth of Virginia #350288
Health Care Provider
2 Years 7 Months- Health Care Specialists Administered bedside and personal care including ambulation and personal hygiene assistance. Prepared and maintained patients' progress reports. Performed housekeeping duties. Planned, shopped, and prepared nutritious meals for patients. Participated in case reviews. Transported patients to appointments and activities. Execute daily activity plan and nutrition schedule. Provide a Wellness plan and complete an exercise schedule.
Account Executive/Mortgage Specialist/Credit Counselor
2 Years 1 Month- Primary duties as an Account Executive (Mortgage Specialist/Credit Counselor/Loan Administrator) include but not limited to developing new business opportunities and maintain relationships with lenders, investor, loan officers, originators, and real estate agents. Actively target and engage potential homeowners, buyers, lenders, and investors. Research and develop mortgage loan programs for potential clients and homeowners. Review, analysis, and verify financial statements, income documentation, and background checks to be applied to the loan application. Prepare verify and administer the loan application. Collect and verify verifications of employment, deposits, liabilities, and rental history. Coordinate and produce closing conditions requested by the underwriter and the support teams of the lenders and investors to insure a timely closing. Supply and confirm the required documentation needed by the title company to perform the title search, abstract, and open a title binder with a preliminary HUD-1. Order Appraisals, Site and Home Inspections upon request. Finally, ensure the Closing and Post-Closing of the commercial and mortgage loans in a timely and proficient manner.
- Notary Public - Commonwealth of Virginia #350288
Office Manager/Sr. Loan Officer & Processor
2 Years 5 Months- Responsibilities involve managing the office and overseeing coordinating, scheduling, and interviewing, assisting with the selection of new employees. Supervise and work closely with Loan Consultants and Loan Processors in completing loan applications and obtaining financial information from borrowers. Originate mortgage loans for home purchases, refinance, and new home construction. Analyze applicants' finances. Thorough knowledge of pre-qualification principles and practices. Review & analyze loan transaction packages for preliminary approval or denial in accordance with bank guidelines. Knowledge of HELOCs/Fixed seconds; and Conventional (conforming and non-conforming), FHA and VA loan products with ability to price and originate all loan types. Assemble all required documentation for processing and underwriting on each transaction and prepare and present all related deal points to Lenders/Mortgage Brokers when required. Processed and closed loans. Knowledge of and effective business relationships with local Realtor/Builder, title insurance and appraisal companies with the ability to interact effectively with customers, employees, and business partners.
- Office notary public - Commonwealth of Virginia
3 Months
- Assist E
- TRADE Bank with processes to develop new ways to improve systems databases. Provide their services to other services, customers, bankers, and investors. Fast pace, deadline driven decisions as to whether a loan can be charged-off, or initiate foreclosure proceedings. Work directly with Loss Mitigation Managers on Short Sale packages, Charge-off and foreclosure loan packages. Process and prepare the initial loan packages, confirm property values, ownership verification, pull and review credit reports. Evaluate the reasons for default and apply reasons for default to the history to the Loss Mitigation loan package. Provide my recommendation to proceed with Charge-off, Foreclosure or Short Sale for the loan package. Review Real Estate contracts for property sales. Develop and apply research to support default decision, on-line resources used to justify market values: SiteX, Vector Report, Zillow, and Realtor.com. Authorization to pull consumer credit reports through Equifax services. Apply Servicer/Lender/Investor purchase pool look-up to the loan packages. Use MS Access 2003, 2007, MS Excel 2003, 2007, MS Excel 2003, 2007, MS Outlook 2003, 2007, MS Word 2003, 2007 and Citrix Access platform. Provide a complete loan package for the Loss Mitigation Managers for final decision to be reviewed by Analyst, Manager and Director prior to final decision and signatures.
- Notary Public - Commonwealth of Virginia
Sr. Loan Processor/Loan Officer/Closing Coordinator
9 Years 5 Months- Loan Officer Responsibilities included developing new business opportunities and sales leads by cultivating relationships with realtors, builders, etc. Assisted Branch Manager in identifying target accounts for active outside business development. Efforts including participation in homeownership fairs, open houses, and conventions. Worked with sales staff on a continual basis to retain and grow existing business. Performed, created additional business development activities to increase sales and leads. Company processor, trainer, and mentor. Staying educated regarding local developments and trends in the real estate and mortgage industries by providing training to all employees. Supervised and worked closely with Loan Consultants and Loan Processors in completing loan applications and obtaining financial information from borrowers. Originate mortgage loans for home purchases, refinance, and new home construction. Applied thorough knowledge of pre-qualification principles and practices. Review and analyze loan transaction packages for preliminary approval or denial in accordance with bank guidelines. Knowledge of HELOCs/Fixed seconds; and Conventional (conforming and non-conforming), FHA and VA loan products with ability to price and originate all loan types. Assembled all required documentation for processing and underwriting on each transaction and prepared and presented all related deal points to Lenders/Mortgage Brokers when required. Processed and closed loans. Developed knowledge of effective business relationships with local Realtor/Builder, title insurance and appraisal companies with the ability to interact effectively with customers, employees, and business partners.
- Office Notary Public - Commonwealth of Virginia
Mortgage Consultant {Contractor Fannie Mae}
2 Years 4 Months6 Years 2 Months
- Duties included but not limited to gathering information for loan pre-qualifications. Loan placement with Bank/Mortgage Lenders. Processed and closed loans. Followed up with applicant to obtain documentation (e.g., paystubs, payoff statements, bank statements, etc.) to process application. Analyzed loan applicant credit report and verified applicant income and assets to determine loan risk. Maintained regular contact with applicant to provide loan status update and/or request additional documentation.
- Mornet Plus Classic troubleshooters/helpdesk. DU/DO system certification. Specialized in FHA/VA Government loans and approved eligibility status for a lender/mortgage company.
Education
Certificate - Real Estate Appraisal Preparatory
- Some College. Computer science
- Real Estate Northern
Skills
Data Entry (10+ years)
Operations Management (5 years)
Mortgage Loan (10+ years)
Customer Service (10+ years)
Invoice Processing
Real Estate (3 years)
Loan Origination
Loan Officer Experience
Citrix
Banking
Credit Analysis
Fair Housing Regulations
Memory Unit Care Manager
Underwriting
Computer Networking
Help Desk Specialist
Salesforce
Contract Negotiation
Account Management
Microsoft Windows
Business Development
Hospice Care
Microsoft Office
Word processing
Time management
Certification
- CPR Certification
- First Aid Certification
- Assessments Work Style: Conscientiousness - Completed February 2020 Measures a candidate's tendency to be rule- abiding, well-organized, hard-working, confident, and think before acting. Full results: Completed
- Verbal Communication - Highly Proficient April 2020 Speaking clearly, correctly, and concisely Full results: Highly Proficient Indeed Assessments provides skills tests that are not indicative of a license or certification1 or continued development in any professional field.
Additional Information Skills Mortgage
- Closer (Expert) More than 10 Years Verify that all closing documents are updated and finalized HUD-1 title. Confirm the rate lock and points are approved and completed. Clear to close the loan is given to proceed with closing.
- Prepare loans for closing with the title company's scheduler. Proceed to final closing and post-closing; where applicable.
- Processing (Advanced) More than 10 Years Ability to gather necessary documents to initiate processing a loan. Complete the 1003 upload corrected credit report with authorization letter on file.
- Generate the LE and other Loan Package documents. Generate and perform: VOE, VOM. VOR. VOM and VOL, Order title work and appraisal from approved appraiser list. Clear all U/W conditions prior to loan approval and the loan closings conditions.
- Once the loan is cleared to close get the rate-lock and schedule the closing with the title company or settlement agent. Coordinate the actual closing date and time with the Borrower. Clear all post-closing conditions where applicable.
- Mortgage Loans (Expert) More than 10 Years Proficient with 1st/2nd and HELOC mortgage loans. Conventional Conforming and Non-Conforming loans. Government loans FHA/VA. Appraisal (Expert) More than 10 Year
Timeline
Caller Team Customer Service
Fox Financial
01.2024 - CurrentRead More
Customer Service Specialist- Temporary Contract Position- Work from home
Sourcepoint Mortgage- Compulink Service- Secretary of Housing and Urban Development (HUD) Servicing Company- Stonebridge Reverse Mortgage
12.2023 - CurrentRead More
Customer Service Administrative -Temporary Contract Position- Work Onsite
YO Connex- Employment Agency- Landmark Financial
11.2023 - 12.2023Read More
Virginia Unemployment Commision
09.2023 - 12.2023Read More
Customer Service Representative
Long and Foster Insurance
11.2022 - 08.2023Read More
Mortgage Customer Service Specialist-Loan Coordinator
Source Point Mortgage
01.2021 - 05.2022Read More
Mortgage Coordinator
Security Trust Mortgage, LLC
04.2017 - 05.2018Read More
Health Care/Personal Care Specialist
Visiting Angel's
03.2016 - 04.2020Read More
Health Care Provider
Public Partnerships
08.2012 - 03.2015Read More
Account Executive/Mortgage Specialist/Credit Counselor
ABBA Mortgage Company
07.2008 - 08.2010Read More
Aerotek, Credit Adm. Asst., Loss Mitigation Department Trade Bank, Ballston Tower
02.2008 - 05.2008Read More
Office Manager/Sr. Loan Officer & Processor
Mac Arthur & Baker International Inc
03.2006 - 08.2008Read More
Mortgage Consultant {Contractor Fannie Mae}
Aerotek
05.1999 - 09.2001Read More
Sr. Loan Processor/Loan Officer/Closing Coordinator
Landmark Financial, LLC & Associates
09.1996 - 02.2006Read More
Marketing/Loan Officer Financial Alternatives
02.1989 - 04.1995Read More
Northern Virginia Comm. College
from Real Estate Northern
Read More
Northern Virginia Comm. College
from Some College. Computer science
Read More
Northern Virginia Community College
Certificate from Real Estate Appraisal Preparatory
Read More