Carolina D. Jefferson
Chandler,AZ
Summary
Focused professional with tenure experience in the Mortgage/Financial Industry.
Outgoing Licensed Realtor with 20 years of experience. Fantastic salesman with proven eye for detail and goal-oriented mindset. Known for closing sales quickly and ensuring both buyer and seller satisfaction.
Overview
20
20
years of professional experience
Work History
Realtor
Uncommon Realty International
11.2024 - Current
- Coordinated various aspects of real estate transactions such as inspections, appraisals, and financing arrangements, minimizing delays and challenges for clients.
- Streamlined contract negotiations by meticulously reviewing documents and communicating clearly with all involved parties.
- Collaborated with other agents to ensure timely closings and successful transactions for all parties involved.
- Delivered exceptional customer service by addressing client concerns promptly and professionally throughout the entire transaction process.
- Mentored new agents, providing valuable guidance on industry best practices and strategies for success in the real estate market.
Regional Flight Attendant
Envoy Airlines
11.2023 - Current
- Collaborated with cross-functional teams to enhance overall flight experience for passengers while maintaining strict safety standards.
- Assisted in achieving high customer satisfaction ratings by consistently providing a welcoming and enjoyable flight experience.
- Participated in regular training sessions to stay current on industry regulations, safety protocols, and customer service techniques.
- Ensured on-time departures by efficiently completing pre-flight checks, cabin preparation, and boarding procedures.
Realtor
KELLER WILLIAMS
11.2018 - 11.2024
- Built lasting relationships with clients through excellent communication, personalized service, and dedication to their needs.
- Developed strong knowledge of local market conditions, allowing for accurate pricing strategies and targeted marketing efforts.
- Delivered exceptional customer service by addressing client concerns promptly and professionally throughout the entire transaction process.
QC Forensic Underwriter
THE COMPLIANCE GROUP/BAKERTILLY
09.2019 - 03.2024
- Conducted comprehensive risk assessments for accurate underwriting decisions, contributing to company''s risk mitigation efforts.
- Maintained up-to-date knowledge of industry trends, regulatory changes, and emerging fraud schemes through regular research activities.
- Increased accuracy of income calculations by diligently verifying employment information and income sources for applicants.
Customer Service Rep II
Aetna
03.2019 - 09.2019
- Responded to inquiries by clarifying desired information; researching, locating, and providing information
- Resolves problems by clarifying issues; researching and exploring answers and alternative solutions for unresolved problems
QC Underwriter/Pre-Fund Underwriter
FIRST AMERICAN
09.2016 - 11.2018
- Examined loan files and determine compliance with the QC standards required by the Clients and further defined with Government and Non-Government Entities as well as all Consumer Financial Protection Bureau and State Regulatory requirements
Customer Service Rep III
NATIONSTAR MORTGAGE
12.2015 - 09.2016
- Responded to inquiries by clarifying desired information; researching, locating, and providing information
- Resolves problems by clarifying issues; researching and exploring answers and alternative solutions for unresolved problems
Underwriter
FIRST AMERICAN
05.2015 - 11.2015
- Reviewed and evaluated financial statements, credit reports, and applicable ratios, including debt ratios and loan-to-value, to qualify applicants for HAMP and HARP loans
- Reviewed and examined transactions and documents for accuracy, completeness, consistency, and compliance with corporate standards and industry guidelines
Loss Mitigation Underwriter
GREEN TREE
12.2012 - 04.2015
- Review loan submission to get a workout pertaining to borrower status
- Ensure income is correctly entered in the income calculator
- Review uniform borrower affidavit and ensure all documentation has been received in accordance with information from affidavit
- Calculate income using lender calculation sheet along with FNMA guidelines
- Contact borrower for missing docs and questions on any unfamiliar documentation needed
Education
No Degree -
05.2003
Skills
- Client relations
- Contract negotiation
- Strong negotiation skills
- Comparative market analysis
- Lending
- Appraisals
- Financial analysis
- Purchase agreements
- Strong organizational skills
Competencies
Examined loan files and determined compliance with the QC standards required by the Clients as relayed in the Fannie Mae’s Selling Guide, Freddie Mac’s Seller/Servicer Guide a/k/a Government Sponsored Enterprise (GSE), Federal Housing Authority’s Mortgagee Approval Handbook, Veterans Administration’s Lender’s Handbook, United States Department of Agriculture’s Technical Handbook, as well as all Consumer Financial Protection Bureau and State Regulatory requirements.
Accomplishments
- Generated $2million in new home sales in 2022&2023.
- Increased client base by 60% through personal referrals.
Languages
English
Full Professional
Timeline
Realtor - Uncommon Realty International
11.2024 - Current
Regional Flight Attendant - Envoy Airlines
11.2023 - Current
QC Forensic Underwriter - THE COMPLIANCE GROUP/BAKERTILLY
09.2019 - 03.2024
Customer Service Rep II - Aetna
03.2019 - 09.2019
Realtor - KELLER WILLIAMS
11.2018 - 11.2024
QC Underwriter/Pre-Fund Underwriter - FIRST AMERICAN
09.2016 - 11.2018
Customer Service Rep III - NATIONSTAR MORTGAGE
12.2015 - 09.2016
Underwriter - FIRST AMERICAN
05.2015 - 11.2015
Loss Mitigation Underwriter - GREEN TREE
12.2012 - 04.2015
Southwest Tennessee Community College - No Degree,
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