Barbara Beck
Sparta,NJ
Summary
Seasoned Mortgage Banking Professional with 15+ year’s experience. Flexible, Creative and Focus on Details. Offering a dedicated individual with strong leadership skills
Overview
13
13
years of professional experience
Work History
Mortgage Loan Officer
PNC Bank
04.2022 - Current
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Mortgage Loan Officer
Lakeland Bank
07.2021 - 04.2022
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Mortgage Loan Officer
Bank of America
02.2019 - 07.2021
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Mortgage Loan Officer
Santander Bank
10.2018 - 02.2019
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Mortgage Loan Officer
TD Bank
11.2017 - 10.2018
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Mortgage Loan Officer
PNC Bank
10.2016 - 11.2017
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Gold Service Manager
Weichert Financial
07.2015 - 10.2016
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Senior Loan Officer
Residential Home Funding
10.2013 - 07.2015
- Originating of first and second mortgages through referral sources
- Structuring loans to fit varies products to meet the borrowers need based on Fannie Mae, Freddie Mac, FHA, VA, USDA and varies investors
- Marketing to previous clients
- Networking with realtors, builders, attorneys and financial planners
- Maintain production goals while adhering to product guidelines
- Underwriting of Loan application prior to final approval.
Foreclosure File Auditor Proficiency Coach
Bank of America
10.2011 - 02.2013
- Review foreclosed loans, evaluate whether or not they were processed in accordance with HAMP, FHA, HUD & BAC Proprietary Modification or other applicable program guidelines and requirements
- Review and compile fully documented loan histories, imaged documents and information available from all sources to collectively determine if it validates the information used to make the foreclosure decision
- Complete Claim Review and perform Harm Evaluation according to Promontory/OCC definitions: Determine if the foreclosure proceeding was processed in accordance with applicable state and federal laws, to include SCRA and US Bankruptcy Codes, and document any exceptions
- Review and re-underwrite files to ensure all State and Federal lending requirements including Reg Z & RESPA have been met
- Review and analyze all loan documents to ensure all compliance requirements have been met
- Review all fees charged to determine if it meets state and investor guidelines
- Implement policy and procedure reference guides to adhere to State and Federal Regulations
- Create WBT and testing for certifications
- Create and update reference guides to adhere to OCC regulations
- Provide coaching and training as needed.
Education
Bachelor’s of Science - Business Administration
Centenary College
Hackettstown, NJSkills
- Customer service-focused
- Lotus Notes
- Detail-oriented
- Encompass / Calyx Point
- Excellent time management
- AS400
- MS Office Proficient
- Aacer
- Strong Credit Risk Analysis
- I Portal
- DU
- LP
- LPS
- Casetracker
- Equator
- Stewart
- Financial Analysis
- Client Account Management
- Negotiation Tactics
- Sales Development
- Document Review
- Underwriting knowledge
- Residential mortgage lending regulations
- Loan Origination
- Relationship selling
- Goal-Oriented
Nmls
190854
Timeline
Mortgage Loan Officer
PNC Bank
04.2022 - Current
Mortgage Loan Officer
Lakeland Bank
07.2021 - 04.2022
Mortgage Loan Officer
Bank of America
02.2019 - 07.2021
Mortgage Loan Officer
Santander Bank
10.2018 - 02.2019
Mortgage Loan Officer
TD Bank
11.2017 - 10.2018
Mortgage Loan Officer
PNC Bank
10.2016 - 11.2017
Gold Service Manager
Weichert Financial
07.2015 - 10.2016
Senior Loan Officer
Residential Home Funding
10.2013 - 07.2015
Foreclosure File Auditor Proficiency Coach
Bank of America
10.2011 - 02.2013
Bachelor’s of Science - Business Administration
Centenary College
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