Carmen Hayes-Boyd
Florence,SC
Summary
Seeking an career advancement to continue the enthusiasm, dedication, responsibility, and good work ethics, combined with a desire to utilize skills obtained through previous work experience. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 20 years of assisting clients, budgeting, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Loan Specialist, GS-11
Department Of Agriculture (Rural Development)
04.2022 - Current
- Currently serving as Single Family Home Loan Specialist (Realty).
- Approved and funded $17 million in housing loans for fiscal year 2024.
- Interprets and implement complex diverse single-family housing programs for eligible rural geographic areas.
- Partnered with wide variety of representatives from state/local governments; other federal agencies; housing authorities; nonprofit organizations; and similar supporting groups to leverage supplemental funding/assistance needed by potential borrowers/grantees.
- Meet with organizations’ representatives to communicate RD needs and requirements, determine availability and nature of support offered/needed, coordinate timing/delivery of support to be provided/obtained.
- Prepare written loan approval determinations or recommendations for borrower's requirements.
- Evaluate financial situations, borrower and construction budgets, credit risk factors and researching and applying various laws, rules and regulations pertaining to approving/denying housing loan applications.
- Assigned by supervisor to investigate, address/resolve escalated servicing problems which failed resolution by lower-level staff.
- Advise supervisor of progress and final resolutions to settle issues
- Provide loan closing instructions to attorneys and title companies with legal instruments and documents used in underwriting and servicing housing loans.
- Integrate policies and procedures are properly observed, all transactions are conducted with authorized personnel if needed, all records and contracts are complete and up to date, and all customer position limits/risk tolerance are observed.
- Provide direct training support to loan technicians on changes of agency policies, guidelines, and systems related to financial management.
- Participate in team discussions, assists with preparation of technical reports for management, represents office in discussions with key stakeholders, and provide lender profiles/summaries on "as needed" basis.
- Responsible for actively supporting civil rights, equal opportunity, diversity and inclusion programs and communicating support to others.
Loan Technician, GS-7
Dept. Of Agriculture (Rural Development)
05.2011 - 01.2020
- Thoroughly processed 502/504 grant/loan single family housing applications for potential homeowners.
- Proficient in using mortgage processing tools such as: Unifi, LoanServ and GLS systems.
- Analyze clients’ credit and compare for accuracy with mortgage borrower’s statements.
- Review loans along with agreements and contracts to ensure accuracy according to policy to determine eligibility.
- Provide guidance and information relevant to risks and benefits of each program applicant's are qualified for.
- Effectively interpret and communicate with borrowers, realtors, and all stakeholders terms of each product and ensure all documents necessary are signed.
- Participate in live Microsoft Teams pre-conference construction loan closings.
- Research mortgage deeds and titles, order appraisals and tax assessments.
- Administer loan closings, paid in full and loss mortgages.
- Provide daily and weekly compliance reports and emails to departmental managers and specialists regarding productivity and progress on assigned special projects.
- Process and prepare financial transactions for large amounts of monies, deposits, and remittances.
- Handle high volume phone calls, visitors and attend meetings.
- Ensure that client records are kept in accordance with company policies with high levels of security.
Associate Client Account Specialist
Automatic Data Processing (ADP)
01.2009 - 01.2011
- Proactively registered businesses regarding Work Opportunity Tax Credits (WOTC) eligibility and documentation for all states.
- Instructed and assisted clients to access and resolve issues pertaining to the WOTC web-based programs (Oracle & PeopleSoft).
- Improved client documentation by 50%.
- Consistently interacted daily with internal departments and external clients to resolve problems and service requests by phone/conference calls and emails.
- Knowledge and ability to troubleshoot issues regarding FICA Hiring Act and I-9 tax regulations.
- Awarded “rock star” status for exceeding daily goals.
- Implemented training techniques for establishing plans for special projects.
- Assist supervisors and team leads on training needs for new employees.
- Provided daily forecasts and reports for upper management.
- Documented phone call logs and record keeping information clearly and precisely.
Evening Manager
Marriott Springhill Suites
01.2004 - 01.2009
- Provided leadership and guidance to hotel team to ensure highest level of quality in standards and service.
- Cut front desk budget by 20% within two years.
- Ensured optimum occupancy, verified and balanced entries and records of financial transactions.
- Performed exceptional decision-making resolving problems that required escalation and corporate attention.
- Addressed technical problems related to computers or inner workings of hotel and security.
- Reset computers systems for next day operations.
- Assisted guess with check in and checkouts.
- Awarded ‘Exceptional Customer Service Award’ from Marriott’s Corporate Headquarters.
Education
Master of Arts - Organizational Management
Webster University/Myrtle Beach, SC Campus
Myrtle Beach, SC (Campus)05.2011
Master of Arts - Human Resource Development
Webster University
St Louis, MO05.2011
B.S. Degree Organizational Management - Business Management
Morris College
Sumter, SC01.2009
Associate of Arts - Criminal Justice
Florence-Darlington Technical College
Florence, SC01.2007
Skills
- Advanced proficiency utilizing Microsoft Applications (ie, Word, Excel, Publisher and Access)
- Copiers, fax machines, scanners, slide projector, multiline telephone systems
- Demonstrated knowledge and skills in implementing internal/external correspondences, mail merging procedures and PowerPoint presentations
- Microsoft Live Teams and Zoom
- Issue Resolution
- Real Estate Loans
- Effective Communication
- Loan Evaluations
- Loan Approvals
- Financial Analysis Aptitude
- Construction Loan Financing
- Preparing Budgets
Certification
- Microsoft Application Certification 2020
- Federal Housing and Mortgage Training 2020
- Do Not Pay Certification 2019-2021
- SAMS Certification 2018-2021
- Multi-Family Housing Training 2012
- Team Leadership Training ADP 2010
- Call Center Training Certification ADP 2010
- Work Opportunity Tax Credits Training 2009
- SC Law Enforcement NCIC Certification 2004
Coursework Highlights
- Managerial Accounting and Finance
- Organizational Management
- Organizational Ethics
- Microsoft Applications
- Research and Statistics
- Strategic Management
- Management and Leadership
- Marketing
- Organizational Behavior
- Human Resources Development
- Rural Development Outreach Participate
Volunteer Experience
- Youth Advisor for New Life in Christ Fellowship Ministries 2009-present
- SC Department of Juvenile Justice Internship 2005
- Certified Juvenile Arbitration Officer Fourth Circuit Solicitor’s Office 2007-2010
References
References Upon Request
Timeline
Loan Specialist, GS-11
Department Of Agriculture (Rural Development)
04.2022 - Current
Loan Technician, GS-7
Dept. Of Agriculture (Rural Development)
05.2011 - 01.2020
Associate Client Account Specialist
Automatic Data Processing (ADP)
01.2009 - 01.2011
Evening Manager
Marriott Springhill Suites
01.2004 - 01.2009
Master of Arts - Organizational Management
Webster University/Myrtle Beach, SC Campus
Master of Arts - Human Resource Development
Webster University
B.S. Degree Organizational Management - Business Management
Morris College
Associate of Arts - Criminal Justice
Florence-Darlington Technical College
- Microsoft Application Certification 2020
- Federal Housing and Mortgage Training 2020
- Do Not Pay Certification 2019-2021
- SAMS Certification 2018-2021
- Multi-Family Housing Training 2012
- Team Leadership Training ADP 2010
- Call Center Training Certification ADP 2010
- Work Opportunity Tax Credits Training 2009
- SC Law Enforcement NCIC Certification 2004
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