Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Candy Black

Arab,AL

Summary

Dependable Mortgage Lender with track record of success in field, attention to detail and proactive mindset. Seeks opportunities to improve processes and workflows for team benefit. Conscientious, hardworking and excels at multitasking in fast-paced environments. Works great alone or with others and consistently exceeds expectations. Over 25 years of experience in the Mortgage industry.

Overview

25
25
years of professional experience

Work History

Appraisal Analyst

Alabama Farm Credit
Cullman, AL
09.2021 - Current
  • Prepare engagement letters for Outside Fee Appraisers as needed for residential and large land tract properties
  • Review each appraisal for accuracy and approval
  • Analyze real estate tax cards, warranty deeds, Utilized the use of Land ID to deed plot each property, and process partial release requests.
  • Maintained positive working relationship with fellow staff and management.
  • Communicated effectively with management regarding potential problems or issues that may arise during the course of an appraisal review.
  • Reviewed title reports for liens, encumbrances, vesting issues, legal descriptions.
  • Developed relationships with local appraisers to ensure timely delivery of appraisals.
  • Prepared written summaries detailing findings for underwriting decision-making purposes.
  • Evaluated loan applications and appraisals to ensure accuracy and compliance with lending standards.
  • Gathered and analyzed information to determine risk acceptability.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.

Mortgage Processor III

Trustmark Bank NA
Huntsville, AL
01.2021 - 09.2021
  • Worked closely with loan officers, borrowers, and title companies to prepare loans for mortgage closings on Purchase and Refinance transactions
  • Responsibilities included communicating with the each borrower and collecting required loan documentation for approval / closing based on Automated underwriting findings or manual underwrite loan conditions
  • Additional responsibilites included calculating and verifying income via paystubs, VOE and tax returns
  • Review of the appraisal and SSR findings were also an additional responsibility as the mortgage processor
  • As the processor closings were scheduled and title documents were reviewed for any liens or UCCS along with verifying the legal description matched the legal for the collateral
  • Time management was vital in the daily responsibilites as my pipeline was larger requiring a lot of attention to detail and deadlines
  • Daily communication via email or phone calls was vital with the other members of the mortgage team to ensure the loan file is thoroughly underwritten and ready to go to closing, all while making sure all compliance regulations are met.
  • Reviewed loan applications and supporting documentation to ensure accuracy of data.
  • Researched and resolved discrepancies related to the loan application process.
  • Maintained communication with borrowers to ensure timely submission of required documents.
  • Verified income, assets, credit reports, title insurance policies and appraisals for each loan file.
  • Developed strong relationships with lenders and brokers in order to facilitate smooth processing of loans.
  • Followed up on conditions requested by underwriters or insurers during the loan approval process.
  • Prepared closing documents for review by underwriter or manager.
  • Ensured compliance with federal regulations such as RESPA, Truth in Lending Act, Home Mortgage Disclosure Act and Anti-Money Laundering laws.
  • Provided guidance to customers regarding mortgage products and procedures.
  • Coordinated with third party vendors such as title companies, appraisers, surveyors.
  • Analyzed financial statements including tax returns and bank statements.
  • Calculated debt-to-income ratios, loan-to-value ratios, and other applicable percentages.
  • Managed a pipeline of loans from origination through funding stages.
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
  • Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
  • Created and completed loan submission packages.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
  • Managed conditions sent from underwriting departments.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
  • Gathered property appraisals, surveys and tax records to update mortgage loan files.
  • Maintained complete confidentiality of submitted information according to release guidelines.
  • Educated clients regarding guidelines and adjustments of loan contracts and packages.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.
  • Evaluated financial statements and contacted institutions and customers to clarify details.
  • Checked approvals against established bank and government lending standards.
  • Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
  • Contacted outside sources, references and vendors to verify client financial information.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Scanned and uploaded loan and related documents into system.
  • Checked applicant credit, personal references and employment histories.
  • Examined and verified information in loan application and closing documents.
  • Checked value of customer collateral to hold as loan security.

Real Estate Appraisal Analyst III

BBVA
Homewood, AL
05.2006 - 01.2021
  • During my career at BBVA, a home my job duties included being a home equity loan processor, first mortgage processor, first mortgage appraisal underwriter and home equity loan appraisal underwriter
  • Systems worked in are E3, Cadence and Appro
  • Responsibilites included reviewing credit reports, desktop underwriter findings and loan prospector findings for first mortgage loans.
  • Maintained current knowledge of industry trends by attending continuing education courses.
  • Analyzed economic factors affecting real estate markets in order to assess risk levels.
  • Communicated effectively with management regarding potential problems or issues that may arise during the course of an appraisal review.
  • Reviewed title reports for liens, encumbrances, vesting issues, legal descriptions.
  • Participated in internal audits, reviews designed to evaluate compliance with applicable regulations, guidelines.
  • Performed additional duties as assigned by supervisor or department manager.
  • Assisted in developing policies and procedures related to residential appraisal review processes.
  • Prepared written summaries detailing findings for underwriting decision-making purposes.
  • Monitored appraisal process performance metrics including turn times, quality assurance scores, customer feedback ratings.
  • Researched complex valuation issues using a variety of resources such as public records databases, county tax assessment rolls, MLS listings.
  • Evaluated loan applications and appraisals to ensure accuracy and compliance with lending standards.
  • Interfaced regularly with other departments such as Loan Processing, Closing, Credit Risk Management.
  • Collaborated closely with colleagues across multiple locations in order to facilitate efficient workflow processes.
  • Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
  • Gathered and analyzed information to determine risk acceptability.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.
  • Liaised with field, gathering information to base and defend underwriting decisions.
  • Utilized diverse data tools and processes to analyze, interpret and manage data.

Mortgage Originator

Amsouth Bank
Huntsville, AL
08.1999 - 05.2006
  • During my career at AmSouth Bank (now Regions Bank) I started out as a loan officer assistant and was promoted to mortgage originator
  • I serviced the Marshall County area but my reporting office was in Huntsville
  • I met with clients, took applications for first mortgage transactions, offered cross sell for a home equity line of credit and ordered appraisals, title and other inspections
  • I collected income and asset documents from the client, calculated income and would initially send the loan thru automated underwriting systems such as desktop underwriter and loan prospector.
  • Communicated effectively with colleagues at all levels within the organization.
  • Analyzed market trends to identify potential new business opportunities.
  • Attended industry conferences and seminars to stay abreast of changes in the mortgage industry.
  • Managed the origination process from application through closing.
  • Conducted credit analysis on loan applicants, including reviewing credit reports and financial statements.
  • Ensured compliance with applicable state and federal regulations governing mortgage lending practices.
  • Developed relationships with referral partners such as real estate agents, builders, accountants, attorneys.
  • Counseled clients on loan options available based on their individual needs.
  • Performed due diligence activities related to new or existing loans, such as verifying income sources, assets, debts.
  • Reviewed title insurance policies for accuracy and completeness of information.
  • Prepared loan documents for submission to underwriting department.
  • Provided guidance to customers on mortgage products, rates, terms, and conditions.
  • Developed and implemented strategies to increase customer satisfaction and retention.
  • Monitored progress of pending applications throughout the entire origination process.
  • Advised borrowers regarding their eligibility for various loan programs offered by the company.
  • Provided prequalification letters for prospective buyers upon request.
  • Coordinated with appraisers to ensure timely completion of home appraisals.
  • Gathered client debt, credit and income information to determine loan eligibility.
  • Informed customers of application deadlines, approvals and denials.
  • Developed and maintained relationships with local real estate agents.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Educated customers regarding actions and strategies for debt repayment.
  • Helped clients fill out loan applications and find ideal loan options.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
  • Submitted applications to credit analysts.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Complied applications and paperwork and double-checked for accuracy.
  • Analyzed new markets and developed referral networks to locate new loan prospects.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Informed customers of loan application requirements and deadlines.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Collaborated with company teams to expedite loan approval processes.
  • Stayed abreast of lending regulations, industry trends and market rates.

Education

High School Diploma -

Holly Pond High School
Holly Pond, AL
05-1993

Skills

  • Use of Gmail and Teams; Knowledge of Cadence; Appro and E3 loan systems Proficiently
  • Word and Excel Very detail oriented and organized Time management
  • reviewing title commitments, tax records, appraisals and required property inspection reports
  • Credit Analysis
  • Mortgage Lending
  • Data Collection
  • Building Strong Relationships
  • Analyzing Data
  • Application Preparation
  • Document Review
  • Appraisals
  • File Management
  • Pipeline Management
  • Financial Document Review
  • Information Verification
  • Loan Processing Expertise
  • Policy Adherence
  • Processing Documents

References

  • Cindy Sanford, 256-434-0284
  • Randy Mummert, 256-466-9597
  • Haley Hale, 256-318-8736

Timeline

Appraisal Analyst

Alabama Farm Credit
09.2021 - Current

Mortgage Processor III

Trustmark Bank NA
01.2021 - 09.2021

Real Estate Appraisal Analyst III

BBVA
05.2006 - 01.2021

Mortgage Originator

Amsouth Bank
08.1999 - 05.2006

High School Diploma -

Holly Pond High School

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Candy Black