Summary
Overview
Work History
Education
Skills
Timeline
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Chiquita Pegram

North Chesterfield,VA

Summary

Dedicated professional seeking a position to leverage customer service, communication, and administrative skills while utilizing computer proficiencies. Committed to integrating new skills to become an invaluable asset to the organization.

Overview

8
8
years of professional experience

Work History

Lead Decisioner

Citizens Bank
Glen Allen, VA
04.2024 - Current
  • Review, analyze, and approve/deny complex mortgage loan applications, ensuring compliance with lending policies, regulations, and risk.
  • Supervise, mentor, and guide junior decisioning specialists, providing training and support on loan decisioning.
  • Collaborate with the risk management department to identify and mitigate potential lending risks.
  • Stay current with federal, state, and local mortgage regulations.
  • Recommend improvements to the loan decision-making process to increase efficiency and reduce turnaround times.
  • Maintain detailed records of loan decisions and provide regular reports to management.
  • Work with investors to determine approvals, denials, interest rates, and terms on modifying a mortgage loan.

Home Mortgage Default Operations Lead

CITIZENS BANK
Glen Allen, VA
01.2019 - 04.2024
  • Oversaw monthly default reporting for major financial entities including FHLMC, FNMA, and Genworth Financial
  • Delivered monthly analytical insights to upper management
  • Ensured weekly handling and updating of 33 FNMA Passports
  • Coordinated with multiple teams across the bank for precise reporting of loan statuses.
  • Pull, work, save, and send out FNMA Self-Help Reports.
  • Present monthly FNMA Performance updates
  • Conducted research to explain audit findings for FNMA and FHLMC
  • Pull, work, save, and work various FHLMC reports.
  • Compiled and stored all end-of-month data for USDA, HUD, FNMA, & FHLMC
  • Provide training to Loss Mitigation for step codes and setting up payment plans.
  • Managed incoming disaster reports promptly.
  • Participated in performance meetings with HUD, VA, and Black Knight
  • Ensured timely execution of weekly VA report processing
  • Ability to adapt to change and apply new concepts.

Single Point of Contact (SPOC)

Citizens Bank
Glen Allen, VA
06.2016 - 01.2019
  • Managed missing documents, appraisal notices, and completion packages
  • Explained to customers the benefits of retention and liquidation options, according to each investor.
  • Analyzed credit information to calculate debt-to-income figures
  • Evaluated loans to determine retention eligibility
  • Guaranteed prompt handling of all required financial submissions
  • Managed suspense reports effectively
  • Excellent time management and problem-solving skills.
  • Experienced in mortgage investor guidelines
  • Recognized optimal times for escalation
  • Maintained composure under pressure and during confrontational situations with customers.
  • Resolved issues with delinquent accounts

Education

MEDICAL OFFICE -

THE BRAXTON SCHOOL FOR BUSINESS
01.2005

Advanced Studies diploma - Fine Arts

George Wythe High School
Richmond, VA
01.2003

Skills

  • Skilled in Microsoft Office Applications
  • FHA Catalyst Proficiency
  • Servicing Management Default Underwriter
  • Freddie Mac Servicing, Single Family
  • Back in the black
  • USDA Linc
  • Access VA
  • Proficient in FHA Connection

Timeline

Lead Decisioner

Citizens Bank
04.2024 - Current

Home Mortgage Default Operations Lead

CITIZENS BANK
01.2019 - 04.2024

Single Point of Contact (SPOC)

Citizens Bank
06.2016 - 01.2019

MEDICAL OFFICE -

THE BRAXTON SCHOOL FOR BUSINESS

Advanced Studies diploma - Fine Arts

George Wythe High School

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Chiquita Pegram