Cheryl Taylor
Caddo Mills,TX
Summary
Accomplished Document Mortgage Processor with a proven track record at Babich & Associates Services/Nex Bank, excelling in processing high-volume, error-free transactions and enhancing document accuracy. Skilled in Microsoft Office and Encompass, demonstrating exceptional organizational abilities and a commitment to improving operational efficiency. Achieved consistent scorecard goals, underscoring a strong attention to detail and customer service excellence.
Overview
20
20
years of professional experience
Work History
Document Mortgage Processor (Contract)
Babich & Associates Services/ Nex Bank
Dallas, TX
10.2021 - 02.2025
- Responsible for reviewing, proofreading, and processing mortgage documents and loan payments
- Create and manage reports in Excel to track document statuses
- Open mail disburses checks/wires daily
- Pull notes from Vaught, endorses scan to images
- Fed X to investors and clients
- Approve conditions in Encompass for Underwriter Approval
- Loan Processing
- Max cash to close-Deduct any reserves needed
- Check UW final approval for errors
- Open mail, Process large amounts of checks/wires
- Updated Notes, Allonges to Mortgage Assurance/PCL
Loan Document Coordinator
Home Point Mortgage
Ann Arbor, MI
09.2020 - 05.2022
- Monitored a pipeline of active loans as specified by management submitted by clients
- Proactively managed target closing dates
- Reviewed and proofread mortgage related documents
- Managed, organized, and tracked documents using Encompass
- Upon an underwriting conditional approval decision, communicated and worked with client to understand and upload underwriting conditions on suspended or approved loans
- Followed up with underwriters regarding documentation statuses and completeness
- Reviewed conditions received for accuracy, making notes in file for underwriters
- Collected/reviewed contractor acceptance packet from the client (to include Fraud Guard, HOC or Const
- Contract & Const
- Loan Agreement)
- Utilized Adobe Acrobat to review loan files in PDF format
- Completed back-office pre-closing functions for Wholesale including, but not limited to review of closing protection letter, homeowner insurance policy, title commitment, lock reconciliation, review and reconciliation of most recent GFE, receipt and review of Closing Request Form and preliminary HUD 1, validation of accuracy of tax escrows, and verification of closing date and time with the settlement agent
- Completed verbal Verification of Employment within ten days of closing
- Reviewed images in Home Point's imaging system (AIQ) and eliminated duplicates
- Made corrections as needed
Sr. Document Custody Coordinator
Iron Mountain
Dallas, TX
03.2017 - 08.2020
- Reviewed collateral files and documents to ensure accuracy assurance purposes
- Utilized software to send internal requests to have mortgage documents released to investors
- Packaged and boxed requested loan documents and stored in appropriate locations
- Processed and prepared files for underwriters
- Matched numbers, letters and specific data on documents
Customer Service Advocate
Earenfroe & Company
Richardson, TX
09.2015 - 02.2017
- Received incoming calls from Fire and Auto claims
- Set up new claims and resolved customers service and billing complaints
- Referred unresolved customer grievances to designated departments for further investigation
- Contacted customers to respond to inquiries and concerns
- Checked to ensure that appropriate changes were made to resolve customer problems
- Retrieved tax returns and audits
- Worked emails through inbox
- Processed late fees on Homeowners Association
- Worked on month end reports for Management Team
- Contacted customers for late payments
Check Fraud Processor/ Workflow Coordinator
Bank of America
06.2005 - 06.2015
- Processed all data and bank documents appropriately
- Ensured customer transactions were correct and on schedule
- Aided in other functions and processes as required
- Processed applications received from whole brokers and correspondents
- Consistently meet and exceeded scorecard goals while processing high volume, error free transactions
- Made sure all the work was assigned to each employee
- Had constant contact via phone and email with customers, business partners and other institutions concerning banking business
- Processed incoming and outgoing wires, and cashier checks
- Responsible for basic level reporting, customer service support, reviewing and processing transactions for item processing, sorting using electronic or mechanical equipment, reconciling, statement rendering, MICR/image, float, lock box, and remittance
- Input proper tax coding as per IRS
- Consistently meet and exceeded scorecard goals while processing high volume, error free transactions
- Maintained internal operational and financial controls to ensure all banking standards deadlines and goals are met
- Communicated with customers to collect all required documents for process approval
Education
High School Diploma -
J.F. Kimball
Dallas, TX05-1983
Some College (No Degree) - Business Administration And Management
Cedar Valley College
Dallas, TXSkills
- Microsoft Office (Excel, Word, PowerPoint)
- Outlook
- Encompass
- Docutech
- AIQ Imaging System
- Adobe
- Acrobat
- Bass System
- Mortgage (PCL)
- Doc Genius
Affiliations
- Employee of the year Award 2024
- Community Service (Served Homeless.
Timeline
Document Mortgage Processor (Contract)
Babich & Associates Services/ Nex Bank
10.2021 - 02.2025
Loan Document Coordinator
Home Point Mortgage
09.2020 - 05.2022
Sr. Document Custody Coordinator
Iron Mountain
03.2017 - 08.2020
Customer Service Advocate
Earenfroe & Company
09.2015 - 02.2017
Check Fraud Processor/ Workflow Coordinator
Bank of America
06.2005 - 06.2015
High School Diploma -
J.F. Kimball
Some College (No Degree) - Business Administration And Management
Cedar Valley College
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