Canica Kelly
Summary
Seasoned Mortgage Loan Processor seeking a challenging position in the mortgage industry, which will allow me to utilize my lending experience, skills, knowledge and NMLS licensing for professional growth and advancement.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Fraud Dispute Intake Specialist
U.S. Bank
07.2023 - Current
- Interact positively with unsatisfied customers utilizing a consistent pleasant tone on a daily basis
- Navigate multiple computer systems, applications and software packages to file Fraud and Dispute claims
- Process and respond to customer inquiries while providing information on accounts to prevent fraud
- Present options to customers about ways to make their banking easy and convenient, while ensuring their needs remain top priority
- Review fraud risk
- Identify risk factors and trends of potentially fraudulent activity
- Interact with customers, contact centers, and branches to master fraud prevention effectiveness
Processing Specialist
Assurant, Inc.
09.2022 - Current
- Identify policy types and determine appropriate action needed
- Make appropriate updates to client database in order to meet regulatory obligations
- Perform logging checks and processing checks
- Clear queues and place out bound calls to insurance carriers
- Make timely premium payments from established escrow accounts to ensure continuous coverage
- Provided assistance and back up support to meet client requirements and Service Level Agreements
Mortgage Loan Processor
Santander Bank, N.A.
01.2021 - 05.2022
- Managed a large pipeline of assigned loans, including purchases and refinances
- Ordered credit supplements, completed credit deletions and reviewed credit reports for any new debt obtained
- Reviewed title, recording of deed, homeowner’s insurance policies, and tax certificate breakdowns for accuracy
- Updated assets and liabilities
- Ensured debt to income remained in compliance with FNMA/FHLMC guidelines
- Communicated with title insurance companies and attorneys to ensure the closing process met expectations
Senior Associate Ops/Mortgage Loan Processor
WNS Global Services, Inc.
08.2020 - 01.2021
- Verified borrower’s information from the 1003 Loan Application and 1008 Loan Transmittal
- Ran AUS findings effectively using FNMA DU and FHLMC LP
- Reviewed conditional approval letter, Loan IQ and CoreLogic credit report
- Calculated borrower’s income and expenses including pay-stubs, W2’s and 1040’s
- Adhered to agency guidelines for FNMA/FHLMC for loan types Conventional, VA, USDA and FHA
- Ordered and reviewed various third-party vendor documents required (e.g
- Appraisal, Title, Homeowner’s Insurance, Flood Certificate, Work Number Verification of Employment, Fraud Guard/Other Risk Mitigation reports etc.)
Mortgage Loan Quality Control Specialist (Contract)
South State Bank
09.2016 - 12.2016
- Validated loans complied with applicable federal, state and local regulations
- Audited 40-50 loans per week with a minimum 4% error margin utilizing Loan IQ
- Reviewed MERS Annual Review/Reconciliation for quality results
- Performed adverse action quality on mortgage loan file reviews
- Ensured that the final file is complete and provided within defined time-frames, including all required disclosures
Loan Servicing Specialist III
Wells Fargo Bank
08.2015 - 04.2016
- Processed default claims according to company and investor guidelines to ensure maximum reimbursement
- Reviewed and corrected errors identified by audit in a timely fashion, while complying with banking guidelines
- Contacted appropriate resources to clarify or obtain additional information needed to accurately file claims
- Monitored lender requests, calculating figures and meeting all deadlines related to these requests
- Investigated clearance of general ledger reconciliation exceptions
Mortgage Loan Processor II
First Citizens Bank
12.2014 - 02.2015
- Assisted mortgage loan applicants throughout the loan process to ensure all submitted documents met underwriting requirements
- Calculated various income types, reviewed credit report, and obtained verifications of employment
- Secured verification's (employment, income, rental, mortgage, credit) from outside vendors and resolved discrepancies
- Effectively managed a pipeline of loans by prioritizing based on projected closing date and ensured that loans closed prior to approval expiration and/or rate lock expiration date
Mortgage Loan Processor II
TD Bank
07.2012 - 01.2014
- Managed a large pipeline of assigned loans, including purchases and refinances
- Reviewed files from underwriting, resolved outstanding conditions, ensured file compliance and prepared closing packages
- Sent loan disclosures to borrowers for a timely return to secure rate lock
- Communicated with Title Insurance companies and Attorneys to ensure entire closing process met Service Level Agreement deadlines
- Heavy communication with Mortgage Loan Officer's and borrowers regarding the updated process of their purchases and refinances
Education
No Degree - Accounting And Finance
Midlands Technical College
West Columbia, SCHigh School Diploma -
West Florence High
Florence, SC06-2000
Skills
- NMLS SAFE Mortgage Loan Originator
- Ability to process large pipeline volumes, maintaining a high degree of quality, compliance and accuracy
- Self-starter, strong sense of urgency, exceptional time management
- Exceptional interpersonal, verbal communication and written skills
- Organized, detailed oriented, dependable and extremely thorough
- Proven ability to research and resolve complex issues
- Ability to work both independently and as a team member
- Coach and develop other representatives on product and procedures
Accomplishments
SAFE Mortgage Loan Originator License
Certification
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
Languages
English
Native or Bilingual
Timeline
Fraud Dispute Intake Specialist
U.S. Bank
07.2023 - Current
Processing Specialist
Assurant, Inc.
09.2022 - Current
Mortgage Loan Processor
Santander Bank, N.A.
01.2021 - 05.2022
Senior Associate Ops/Mortgage Loan Processor
WNS Global Services, Inc.
08.2020 - 01.2021
Mortgage Loan Quality Control Specialist (Contract)
South State Bank
09.2016 - 12.2016
Loan Servicing Specialist III
Wells Fargo Bank
08.2015 - 04.2016
Mortgage Loan Processor II
First Citizens Bank
12.2014 - 02.2015
Mortgage Loan Processor II
TD Bank
07.2012 - 01.2014
No Degree - Accounting And Finance
Midlands Technical College
High School Diploma -
West Florence High
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