Ciera Harris

• Evaluate consumer loan applications by reviewing income, employment, credit history, and debt obligations.
• Calculate debt-to-income ratios and assess borrower repayment capacity.
• Approve and process personal loan applications within company lending guidelines.
• Prepare and review loan documentation for accuracy and compliance prior to funding.
• Explain loan terms, interest rates, payment schedules, and financial obligations to customers.
• Manage billing inquiries, payment processing, and account reconciliations.
• Handle delinquent accounts and establish repayment arrangements to minimize risk exposure.
• Maintain compliance with company policy and consumer lending regulations.
• Meet monthly production and portfolio performance goals.

Review fully underwritten mortgage files to ensure all conditions are cleared prior to closing.
• Audit Closing Disclosure documents for accuracy and TRID compliance.
• Calculate final cash-to-close, escrow balances, and payoff figures.
• Coordinate with title and escrow partners to facilitate timely closings.
• Approve loans for funding after verifying documentation and compliance requirements.
• Clear post-closing conditions and resolve documentation discrepancies.
• Manage high-volume pipeline while meeting strict funding deadlines.

Underwrite conventional and government mortgage loans within delegated authority.
• Conduct detailed cash flow and income analysis to determine borrower affordability.
• Evaluate credit reports, tax returns, financial statements, and appraisal documentation.
• Apply investor guidelines and regulatory standards to determine loan eligibility and risk.
• Structure home retention solutions based on financial analysis and hardship evaluation.
• Communicate underwriting decisions and conditions to internal partners.

Conduct comprehensive loan file audits to evaluate compliance, credit quality, and investor salability.
• Review underwriting decisions and documentation against investor and regulatory guidelines.
• Identify discrepancies, document risk findings, and recommend corrective actions.
• Analyze loan data files and financial documentation to assess eligibility and accuracy.
• Prepare detailed QC reporting for management and secondary market review.
• Collaborate with underwriting and operations teams to ensure adherence to SLA requirements.