Summary
Overview
Work History
Education
Skills
Timeline
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Carmen Gill

St Louis,MO

Summary

Finance and operations leader with proven success in analysis, program management, financial reporting auditing, and achieving results. Recognized as dependable, problem-solver, honest, and genuine passion for achieving goals for self and others. Consistently maintains a professional and positive demeanor, regardless of the situation. Willingness to take on added responsibilities to meet team goals.

Overview

14
14
years of professional experience

Work History

Financial Specialists

Better Family Life, Inc
10.2023 - Current
  • Researched and evaluated potential cost saving methods and products for organization and community.
  • Furnished requested financial data and reports to auditors, regulators and investors and prepared analysis to support risk management.
  • Monitored and updated financial plans to comply with grants.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Skilled at working independently and collaboratively in team environment.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Monthly bank reconciliations

Mortgage Loan Closer

US Bank Home Mortgage
08.2016 - 06.2023
  • Expedited mortgage loan approval by effectively collaborating with underwriters and loan officers.
  • Prepared all paperwork for loan package and arranged final closing meeting.
  • Reviewed mortgage documents for accuracy, which included title abstract and insurance forms.
  • Streamlined communication between all parties involved in mortgage process to ensure timely closures.
  • Checked loan documents for accuracy prior to closing.
  • Collaborated with title companies for smooth and accurate execution of closing documents.
  • Compiled closing packages for drafting and presentation accuracy.
  • Enhanced loan closing efficiency by streamlining document preparation process.
  • Monitored pipelines to track and log status of loans.

Closing Specialist

Central Bank Of St. Louis
08.2015 - 07.2016
  • Verified borrowers consented to all closing documents in order to have timely closing.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Researched potential customers and promoted bespoke product and service solutions.
  • Reviewed and validated details of loan applications and closing documentation.
  • Reviewed funding packages by calculating fees and arranging for disbursement of loan funds.
  • Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.

Mortgage Loan Processor

Stonegate Mortgage
07.2013 - 08.2015
  • Maintained accurate records of loan processing activities and documents in CRM system.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Reduced loan application errors by implementing thorough quality control process for all submitted applications.
  • Mitigated risk exposure for organization through careful evaluation of applicant creditworthiness before proceeding with loan process.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Loss Mitigation Underwriter

CitiMortgage O'Fallon, MO
06.2012 - 07.2013
  • Assisted companies with choosing and timing investments for optimal results.
  • Maintained thorough documentation of all communications, decisions, and actions taken throughout loss mitigation process.
  • Participated in client meetings to discuss financial analysis and investment strategies.
  • Reduced loan delinquencies by implementing effective loss mitigation strategies and solutions.
  • Improved operational efficiency by identifying opportunities for automation within loss mitigation workflow processes.
  • Managed portfolio of delinquent loans, effectively prioritizing cases to maximize efficiency and impact on recovery efforts.

Mortgage Loan Processor

CitiMortgage O'Fallon, MO
09.2010 - 06.2012
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Affirmed loan document accuracy to protect lenders from potential fraud.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Processed mortgage loan applications accurately and successfully for over 5 years.

Education

Master of Management - Business Management

Fontbonne University
St Louis, MO

Bachelor of Science - Agricultural Business

Florida Agricultural And Mechanical University
Tallahassee, FL

Skills

  • Auditing
  • Funds Disbursement
  • Collaboration
  • Reconcile Bank Statements
  • Quality Improvement
  • Financial Reporting
  • Policy Development
  • Customer Service
  • Conflict Management

Timeline

Financial Specialists

Better Family Life, Inc
10.2023 - Current

Mortgage Loan Closer

US Bank Home Mortgage
08.2016 - 06.2023

Closing Specialist

Central Bank Of St. Louis
08.2015 - 07.2016

Mortgage Loan Processor

Stonegate Mortgage
07.2013 - 08.2015

Loss Mitigation Underwriter

CitiMortgage O'Fallon, MO
06.2012 - 07.2013

Mortgage Loan Processor

CitiMortgage O'Fallon, MO
09.2010 - 06.2012

Master of Management - Business Management

Fontbonne University

Bachelor of Science - Agricultural Business

Florida Agricultural And Mechanical University

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Carmen Gill