Bonnie Ellis Taylor
Covington,GA
Summary
Reliable, punctual, highly motivated and dedicated professional seeking a position with a company that will allow use of prior mortgage skills, knowledge and background while growing individually in the mortgage profession. I enjoy working with the public, solving problems and contributing to a team that has a positive impact on the lives of others by helping them to meet a financial need by refinancing their home or by making a dream a reality through homeownership. As you will see from my resume, the crash of 2008/09 took me out of the mortgage business due to layoffs and business closings that resulted from a dying housing market. I would consider it a privilege and an honor to be able to get back into an industry that I have so loved and was very successful in for so many years.
Overview
18
18
years of professional experience
Work History
Insurance Specialist
Symmetry Financial Group
Covington, GA
04.2019 - Current
- Expanded client base by following up on and calling warm leads on a weekly basis
- Marketed company offerings for more than 20 insurance companies to clients in order to match them based on their individual needs, health challenges and family budget.
- Determined client needs and financial situations by listening and scheduling fact-finding appointments.
- Obtained underwriting approval by completing application for coverage.
Centralized Servicing Processor
Lendmark Financial
Covington, GA
10.2014 - 06.2015
- Maintained accounts by routinely entering new transactions, collecting payments on current, past due and bankruptcy accounts
- Assisted with clerical and customer service needs when necessary
- Increased accuracy through frequent account review and reconciliation
- Offered solutions such as loan modifications and deferments to help clients bring accounts current in order to avoid repossession or bankruptcy.
Inventory Specialist
Atlanta Arms
Social Circle, GA
02.2011 - 09.2014
- Prepared items for storage, sales and shipment with proper packaging, tagging and shipping
- Laced necessary orders for components and necessities required in order to manufacture satisfactory products for future sale
- Managed incoming components and stock by inspecting and documenting merchandise
- Rovided excellent customer service and satisfaction with fast service, accuracy in order placement and knowledge of all products offered
- Updated office files daily and kept records organized, detailed and up to date
- Inalized end of day financial transactions which included processing credit card payments, completing deposits and issuing refunds.
Mortgage Loan Coordinator II
Suntrust Mortgage
Stockbridge, GA
04.2009 - 10.2009
- Obtained approvals by helping loan officers and underwriters resolve problems with mortgage applications
- Upported applicants throughout the mortgage process by obtaining information for applications, assisting with forms and requesting needed documentation for final approval
- Verified completeness, accuracy and integrity of all loan documents
- Carefully reviewed credit histories and financial and employment documentation
- Processed and closed from start to finish FHA, VA and Conventional mortgage loans
- Underwrote conventional loans through Desktop Underwriting.
Loan Counselor II
Lendmark Financial
Covington, GA
01.2009 - 04.2009
- Obtained overdue payments by reaching out to delinquent account holders
- Set up repayment plans for delinquent accounts
- Solved problems and assisted branch managers with paperwork and issues pertaining to their individual branch's client accounts
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
Loan Processor II
BB &T Alternative Mortgage Lending
Covington, GA
06.2003 - 01.2009
- Obtained complete and accurate applications for loans by collecting, verifying and updating information
- Compiled vital financial data from customers, including assets, salaries, and employment statuses
- Facilitated timely closings by coordinating between staff, clients, and external service providers such as closing attorneys and realtors
- Helped with approval or denial decisions by locating any information or reports requested by underwriters
- Determined risk level and feasibility of granting loans based on standard calculations
- Helped individuals with unsuitable credit work through application processes and qualify for loans
- Collaborated with team members to meet daily demands, reach monthly goals and handle challenging projects.
Loan Coordinator and Processor
Atlanta Capital Mortgage
Atlanta, GA
08.2002 - 05.2003
- Supported applicants throughout the mortgage process, including obtaining information for applications and assisting with forms
- Carefully reviewed financial and credit histories to identify positive and negative markers
- Worked with underwriters to resolve problems with mortgage applications and obtain approvals
- Ordered title work, appraisals, credit reports and closing documents for each mortgage loan.
Loan Processor
Homelink Mortgage
Lawrenceville, GA
01.1999 - 08.2002
- Handled any conditions requested from the underwriting departments of numerous different lenders.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained long-term relationships with customers as the majority were real estate investors.
- Set up and completed loan submission packages for conventional and hard money loans.
Education
Bachelor's - Christian Counseling
Liberty University
Lynchburg, VAChristian Counseling
Luther Rice College & Seminary
Lithonia, GA Skills
- Persuasive Negotiation
- Verbal and Written Communication
- Client Interviews
- Premium Calculations
- Client Consultations
- Credit History Analysis
- Relationship Building
- Mortgage Underwriting
- Clientele Development
- Service-Oriented
- Financial Needs Assessment
- Underwriter Collaboration
Additional Information
- GAP EXPLANATION I would like to address an approximate 4 year gap in employment from 2015-2019. During that time I was self employed as a home and office cleaning person. I had a client base of 13-15 homes and offices that I cleaned on a regular weekly or biweekly schedule. During this time I also had begun working part time toward my bachelor's degree.
Timeline
Insurance Specialist
Symmetry Financial Group
04.2019 - Current
Centralized Servicing Processor
Lendmark Financial
10.2014 - 06.2015
Inventory Specialist
Atlanta Arms
02.2011 - 09.2014
Mortgage Loan Coordinator II
Suntrust Mortgage
04.2009 - 10.2009
Loan Counselor II
Lendmark Financial
01.2009 - 04.2009
Loan Processor II
BB &T Alternative Mortgage Lending
06.2003 - 01.2009
Loan Coordinator and Processor
Atlanta Capital Mortgage
08.2002 - 05.2003
Loan Processor
Homelink Mortgage
01.1999 - 08.2002
Bachelor's - Christian Counseling
Liberty University
Christian Counseling
Luther Rice College & Seminary
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