Environmental Conservation, Animal Rescue, Fundraising, Hiking and Kayaking
Candace Jones
Savannah,GA
Summary
Experienced mortgage professional with compliance experience, ensuring adherence to regulatory standards and mitigating risks, with strong analytical skills and ability to assess complex financial documents. Proficient in mortgage loan processing, managing complex loan files, and navigating regulatory requirements with emphasis on team collaboration, adaptability, and achieving results in dynamic environments. Excellent organizational skills and strong analytical capabilities contribute to reliable and results-driven performance.
Overview
29
29
years of professional experience
Work History
Sr Loan Processor/Encompass Analyst
New American Funding, LLC
11.2020 - Current
- First Level support to assist Loan Processors, Underwriters, Compliance and Funding Dept with system and regulatory issues
- Process includes the careful analysis of loan documents and updating the proprietary database with appropriate loan data and detailed notes regarding each transaction.
- Works closely with manager and quality control staff in addressing and resolving any issues discovered during the review, including material findings and guideline violations.
- Possess advanced knowledge of credit policies, loan programs, loan types and approval processes.
- Loans examined include but are not limited to, conventional jumbo, conforming and non-conforming products, HELOC and Assumable Loans.
Sr Loan Processor/Home Valuation Coordinator
Lennar Mortgage/Lennar Homes
05.2019 - 11.2020
- Responsible for the analysis and approval of all financial statements, personal and business tax returns, collateral, credit, and all other loan related documents.
- Oversee appraisal order requests, ensuring timely follow up and retrieval of completed appraisal reports.
- Facilitate communication between appraisers, appraisal management companies, and internal staff.
- Maintained compliance standards of XML, CDP and EAD.
- Demonstrate understanding of USPAP and Appraisal Independence Guidelines (AIR).
Sr Loan Processor
ISGN Solutions, Inc
07.2018 - 05.2019
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Provided quick turnaround times to maintain fast-past schedule.
- Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
Closing Coordinator
True Title Agency
01.2018 - 07.2018
- Ensured accuracy in financial calculations and legal requirements, maintaining a thorough understanding of current laws and regulations.
- Facilitated communication between all involved parties throughout the entire closing process, ensuring transparency and setting clear expectations at each stage.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Analyze commitments and chain of title to clear title for closing
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
Sr Loan Processor
JPMorgan Chase
05.2016 - 01.2018
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
Operations Manager
Old Town Trolley
09.2008 - 05.2016
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Successfully managed 25 Tour Conductors/Drivers
- Developed and implemented programs to maximize customer satisfaction.
- Monitor payroll, employee hours and performance reviews/pay increase
- Provided product and leadership support, effectively communicating expectations.
- Resolve customer questions, issues and complaints
Sr Loan Processor/Jr Underwriter
Various Companies
01.1996 - 05.2008
Education
No Degree - Medical
US Navy
Great Lakes, IL07-1991
Skills
- Project Management
- Relationship Management
- Credit Analyst
- Risk Management
- Due Diligence
- Loan Review
Affiliations
- American Legion
Interests
Timeline
Sr Loan Processor/Encompass Analyst
New American Funding, LLC
11.2020 - Current
Sr Loan Processor/Home Valuation Coordinator
Lennar Mortgage/Lennar Homes
05.2019 - 11.2020
Sr Loan Processor
ISGN Solutions, Inc
07.2018 - 05.2019
Closing Coordinator
True Title Agency
01.2018 - 07.2018
Sr Loan Processor
JPMorgan Chase
05.2016 - 01.2018
Operations Manager
Old Town Trolley
09.2008 - 05.2016
Sr Loan Processor/Jr Underwriter
Various Companies
01.1996 - 05.2008
No Degree - Medical
US Navy
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