CARMA YOUNG
Jacksonville,FL
Summary
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering a 20+-year history of successful loan and mortgage processing. Talented Mortgage Expert with a proven track record of providing financial services to clients while managing complex loan transactions. Possesses a deep understanding of credit analysis, loan origination, and closing. Offers great time management and task prioritization skills.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Lending Specialist
Coastline Federal Credit Union
11.2023 - Current
- Reviewed financial statements and contacted institutions and customers to clarify details
- Review and analyze credit reports for immediate approval
- Close and Fund loans
- Provide quick turnaround time to maintain fast-paced schedule.
Sr. Loan Processor
CMG Mortgage
11.2016 - 08.2022
- Managed an approximate pipeline of 40 files per month
- Facilitated communication with loan applicants, underwriters, and loan officers to optimize the process and maintain updated information
- Provided quick turnaround times to maintain a fast-paced schedule
- Consulted with outside vendors to identify and resolve loan-closing issues
- Collected and compiled title abstracts, insurance paperwork, loan files, and tax histories.
Sr. Audit Manager
BamaChex, Inc
10.2011 - 10.2016
- Initiated comprehensive account assessments to check the viability, stability, and profitability of business operations for over 20 branches
- Participated in billing and collections operations to facilitate client payment of overdue invoices
- Gathered and analyzed financial data to determine improvement efforts
- Developed financial models to assess and analyze financial performance of clients.
Assistant Branch Manager
Regions Bank
10.2006 - 10.2011
- Collaborated with tellers, universal bankers and personal bankers to exceed sales goals
- Developed sales strategy to meet established sales objectives
- Conducted weekly staff meetings to motivate staff members, address concerns, and questions, plan improvements and evaluate progress toward goals
- Supervised team of 12 branch employees and made recommendations regarding performance evaluations.
Education
Associate of Arts - Psychology
Florida State College of Jacksonville
Jacksonville, FL03.1993
Skills
- Lending Software Systems
- Underwriting Collaboration
- Oral and Written Comprehension
- Documentation Review
- Loan Servicing
- Credit analysis
- Excellent Communication
- Organizational Skills
- Relationship Building
Certification
- CNP - Certified Notary Public
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
HybridRemoteOn-SiteImportant To Me
Work-life balanceCompany Culture4-day work weekWork from home option401k matchTimeline
Lending Specialist
Coastline Federal Credit Union
11.2023 - Current
Sr. Loan Processor
CMG Mortgage
11.2016 - 08.2022
Sr. Audit Manager
BamaChex, Inc
10.2011 - 10.2016
Assistant Branch Manager
Regions Bank
10.2006 - 10.2011
Associate of Arts - Psychology
Florida State College of Jacksonville
- CNP - Certified Notary Public
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