Cicely Jordan

• Managed tenant communications to resolve inquiries and concerns efficiently.
• Assisted in preparing leasing documents and maintaining accurate tenant records.
• Coordinated property inspections and scheduled maintenance with vendors effectively.
• Supported lease renewals and ensured compliance with company policies and regulations.
• Followed up on delinquent tenants and coordinated collection procedures.
• Coordinated move-ins and move-outs, ensuring smooth transitions for both tenants and property management team.
• Handled tenant complaints promptly and appropriately, calling in repairmen, and other support services.
• Completed final move-out walk-throughs with tenants to identify required repairs.
• Verified income, assets, and expenses, and completed file tracking sheet for each applicant.
• Oversaw monthly collections and maintained high payment rates by building positive relationships with tenants.
• Conducted regular property inspections to identify potential issues and ensure compliance with safety regulations.
• Processed security deposit refunds.
• Maintained accurate records of all transactions, ensuring timely reporting to senior management and owners.

• Evaluated mortgage applications for compliance with underwriting guidelines and policies.
• Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
• Reviewed appraisal reports to verify property values align with loan amounts requested.
• Identified potential issues in loan files, recommending corrective actions to mitigate risks.
• Approved or denied loans based on established criteria and underwriting guidelines.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Reduced processing time for mortgage applications through diligent management of underwriting tasks.
• Enhanced underwriting process efficiency by 15%

• Review and audit of loan files for completeness and accuracy, analyzing credit documents, including, but not limited to mortgage applications, credit reports, income documents, title reports, appraisals and all applicable compliance documents.

• Analyze employment, credit, income, assets, purchase contracts and other documents submitted by Processing and either accept or deny documentation according to investor requirements.

• Receive, review, and clear loan conditions in accordance with company and agency guidelines.

• Evaluate loan applications to determine eligibility, acceptability, and compliance with TRID, federal, and state laws.

• Suggest potential alternative documentation when conditions do not meet requirements or restructure as a counter-offer.

• Maintain underwriting turn times and quality and production standards set forth by management.

• Review loan application packages for completeness and accuracy. Confirm application information (1003) against other documents within the file:
• Identify underwriting/ data discrepancies and other diligence issues.
• Verify and validate income, assets and liability documentation to support underwriting decision.
• Calculate and verify income structure (employment verification, tax returns, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc).
• Review loans for compliance related items, i. E. TILA, ROR, and miscellaneous disclosures.
• Review and verify credit report (FICO pay history, debt validation).
• Review other real estate owned (i. e. , disposition of property, rental income).
• Review appraisals to support value, determine flipping, comps are reasonable, etc.

• Identify potential risk, fraud, or misrepresentation in a mortgage loan transactions comparing loan file documents third party resources.
• Underwrite and evaluate compliance of loans to multiple seller and servicer guidelines
• Verify the presence, accuracy, and completeness of credit, appraisal, and legal and regulatory compliance documents.
• Record and explain any differences between data found in the file and guideline requirements.
• Identify potential risk, fraud, or misrepresentation in a mortgage loan transactions comparing loan file documents third party resources.