Goal-oriented individual with strong mortgage industry skills and a proven record of success in quality-driven support roles. Capable project manager; a self-starter who is well equipped to manage and prioritize the competing demands of multiple projects.
Overview
12
12
years of professional experience
Work History
Sr. Mortgage Loan Processor
US Bank Home Mortgage
Bloomington, MN
11.2019 - Current
Act as liaison between borrower, underwriter, loan originator and lender
Analyze and pre-underwrite all loan documents before submitting to underwriting including income, asset, credit and title documents
Provide customer with timely and periodic status updates of their loan application
Return all inquiry calls within one business day
Collect required documentation from applicants and follow up on missing items
Establish, maintain, and update files, databases, records and/or other documents for recurring internal reports
Compile documents for customer files and enter intakes to Data Management System for processing and assessment
Assure that all customer files are complete and in compliance with regulatory agencies and internal policies
Ensure customer privacy, security of files appropriate staff access
Prepare commitment letter(s), denial letter(s), and cancel files when necessary
Maintain pipeline report and notify management of status as needed
Process documents received for each file, verifying accuracy and completeness of each document.
Prepared file for final clear-to-close by branch management.
Hits monthly forecast goals
Exceeds and meets all metric standards
Meets 92.86% purchase closing dates
Efficiency rage from 171.84% to 373.38%
Maintained compliance with privacy and security requirements, as well as federal statutes
Proficient In Fannie Mae/Freddie Mac Guidelines, FHA/VA, And HAMP/MHA Guidelines
Business Development Executive
THE RIGHT STAFF
Minneapolis, MN
01.2019 - 11.2019
Responsible for development of full cycle recruitment of candidates to fulfill client staffing requirements and needs
Use of various prospecting techniques such as online advertising, social media, and traditional recruitment methods to develop effective candidate pipeline
Partner with hiring managers and directors to understand client needs, determine staffing requirements, and negotiate offers
Develop growth strategy with focus on financial gains and customer satisfaction
Recruitment techniques structured in research and identification of new markets and client needs
Cold calling techniques for engagement with prospective clients
Promotion of company’s products and services that address or predict client’s objectives
Preparation of sales contracts adhering to law-established rules and guidelines
Maintenance of records of sales, revenue, invoices, etc.
Provide trustworthy feedback and after sales support
Building and maintaining long-term relationships with new and existing customers
Development of entry level staff into valuable salespeople
Conduct 100+ follow-ups week and over 100 marketing drops B2B
Maintain monthly email blasts based off prospect list and current client list of 500 – 100 qualified prospects and clients
Attend lunch and coffee meetings, conduct personal, professional, and civic networking opportunities
Licensed Resident Insurance Producer
Family Heritage Life Insurance Company of America
Plymouth, MN
09.2018 - 01.2019
Specialized in helping clients (individual and business) through choices of supplemental insurance options such as accident coverage, cancer coverage, and heart disease and stroke
Outside sales offering individual and group supplemental plans
B2B sales
Networking and development of referral base
Running small business, self-employed as licensed agent
Top 10 Sales Agent for month of November 2018
Eagle award
State of Minnesota License Number: 40599579
Sr. Loan Processor
US Bank Home Mortgage
Bloomington, MN
06.2015 - 09.2018
Act as liaison between borrower, underwriter, loan originator and lender
Analyze and pre-underwrite all loan documents before submitting to underwriting including income, asset, credit and title documents
Provide customer with timely and periodic status updates of their loan application. Return all inquiry calls within one business day
Collect required documentation from applicants and follow up on missing items
Establish, maintain, and update files, databases, records and/or other documents for recurring internal reports
Compile documents for customer files and enter intakes to Data Management System for processing and assessment
Assure that all customer files are complete and in compliance with regulatory agencies and internal policies
Ensure customer privacy, security of files appropriate staff access
Prepare commitment letter(s), denial letter(s), and cancel files when necessary
Maintain pipeline report and notify management of status as needed
Process documents received for each file, verifying accuracy and completeness of each document.
Conducted pre-funding and funding activities for over 40 monthly applications
Reviewed and validated details of loan applications and closing documentation
Loan Processor/ Credit Specialist
All Wheels Financial
Minneapolis, MN
10.2013 - 06.2015
Prepare, validate and process loan documentation
Oversee all outstanding accounts and manage financial relationship with clients
Validate insurance information to ensure customer compliance
Coordinate with backside lenders and notate all data in NLS system
Works independently requiring minimal assistance with standard and non-standard requests
Ability to prioritize and organize work to meet agreed upon deadlines
Works well with others, team player
Set up and completed loan submission packages
Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
Prepared documents for underwriting by verifying client income, credit reports and other information
Reviewed financial statements and contacted institutions and customers to clarify details
Medical Collector
Colltech INC
Minneapolis, MN
01.2013 - 10.2013
Adhere to FDCPA and HIPAA regulations
Dealt heavily in healthcare insurance claims and processing
Contacted patients to arrange payments for overdue bills
Self-driven position, over 150 accounts worked per day
Experience working with healthcare providers
Excellent and accurate keyboarding while entering large volumes of data into software systems
Researching, investigating, negotiating, processing, and adjusting claim payment option
Corrected, completed and processed claims for multiple payer codes
Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance
Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers
Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices
Customer Service / Netspend Representative
Car Hop
Minneapolis, MN
08.2010 - 09.2011
Handled inbound/outbound calls in fast-paced, high-volume call center
Assisted accounts with auto-pay setup, registration and card activation
Trained and guided clients through purchasing process and set appointments
Researching, investigating and negotiated with clients for payment options
Works independently and well with team to accomplish goals
Data entry of client information
Used critical thinking to break down problems, evaluate solutions and make decisions
Conducted research, gathered information from multiple sources and presented results
Identified issues, analyzed information and provided solutions to problems
Handled 100+ calls per day to address customer inquiries and concerns
Collections Representative
UAC
Minneapolis, MN
04.2009 - 08.2010
Managed accounts 30 days past due from ques of 100-200 accounts
Primarily outbound calling establishing payments and retaining customers
Modified accounts and loan contracts, calculated budgets and financially advised customers
Works independently to accomplish goals and tasks
Works well with others as part of team
Customer service experience
Used skip tracing resources to locate debtors and updated information in company system
Negotiated to collect balance in full
Resolved challenging situations with friendly but firm strategies
Processed payments and contracts on accounts
Used scripted conversation prompts to convey current account information and obtain payments