Overview
Work History
Education
Skills
Timeline
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CLARENCE HUFF, JR.

CLARENCE HUFF, JR.

Chicago,IL

Overview

29
29
years of professional experience

Work History

Operational Specialist II/Funder

JP Morgan Chase
Phoenix, Arizona
10.2008 - 08.2023
  • Generating the final Closing Internal Package and sending to the Closing Agent
  • Contacting the Closing Agent, the day before the loan closes to establish that the Funder is the main point of contact through the funding process
  • Calling the Closing Agent on the day of loan closing to confirm the loan closed as scheduled
  • If the loan did not close as expected, engage the Client Care Specialist (CCS) to act contacting the customer
  • I review all signed Critical Documents, notating and resolving any issues up until the Scheduled Disbursement Date (SDD)
  • Process Digital loans daily
  • The Digital Refinance program is a differentiated rate/term refinance experience which is focused on simplicity and improving retention
  • It leverages digitally verified income, limited documentation (if any), and may not require an appraisal
  • This program includes both Chase-to-Chase (C2C Morgan) and Non-Chase-to-Chase (Non-C2C John) customers
  • Customers are identified by their reservation number and are flagged to a specialized Client Care Specialist (CCS) team for processing and review
  • Under the Digital Refinance process, the traditional Decision Express (DX) submission and underwriting activities are by-passed
  • Mortgage Application Express (MAX) and Mortgage Processing Express (MPX) are customized to handle the origination of Digital Refinance loans
  • Before I can process the loan two things need to happen make sure maximum cash to close can not exceed $250 and maximum cash allowed to customer $2,000.

Store Manager, Executive Manager, Assistant Manager

Walgreens
Phoenix, Arizona
11.1994 - 10.2008
  • Promoted to oversee startup and daily operations for Walgreens in Chicago, San Francisco, and Phoenix
  • AZ following superior-rated performance as Store Manager in the #1-ranked store in Chicago
  • Manage a $38M, 200-employee, big-box location: direct all departments (hard lines, soft lines, and grocery/perishable lines), enforce sound merchandising and loss control strategic, execute corporate programs, promotions, and policies, and drive optimal customer satisfaction, associate productivity, and P&L results.

Collector III - Non-Prime Back End

JP Morgan Chase
Tempe, Arizona
10.2008 - 05.2009
  • As a Collections Representative, work with customers that have fallen past due in making payments to their account as well as encouraging them to use their card in the future
  • Representatives use professional and persuasive communication skills as well as strive to keep the goodwill of our customers
  • Review past due accounts and call customer to arrange an acceptable payment program for accounts from which enough funds cannot be collected
  • Contact credit, employment and other references when unable to locate a customer
  • Maintain accurate records of new addresses and providing information to other departments
  • Work with the customer to come to an agreeable payment plan for bringing the account current.

Director Entrepreneurship Training program

New City YMCA LEED Council / YMCA Alliance
11.2000 - 01.2002
  • ETP provides intensive training and technical assistance to people with a promising business idea and a desire to start their own businesses
  • The curriculum includes seminars on market research, marketing tools, strategic planning, networking and community resources, sales techniques, presentation skills, and financial management as well as legal, insurance, human resource, time management and commercial real estate issues
  • The business use of technology and the internet is also thoroughly explored
  • The objective of the program is to assist participants in the preparation and implementation of a specific, Comprehensive Business Plan tailored to each individual entrepreneur's needs
  • Another important component of the program is to facilitate connections between the entrepreneur and all the resources and services him or she may need to successfully launch and sustain a business
  • The purpose of these programs is to create jobs and contribute to the economic development of Chicago.

Title Analyst

JP Morgan Chase
Phoenix, Arizona
  • The Title Analyst is responsible for obtaining and reviewing title related documents to ensure that they meet Chase requirements and match data within Mortgage Processing Express (MPX)
  • Including: Title Commitment, wiring instructions, review tax information, Texas 50(a) (6) and South Carolina related disclosures
  • Appraisal (compare to title only)
  • Insured Closing Protection Letters (!CL, CPL) - Blanket and Transaction Specific
  • Power of attorney (POA)
  • Trust, LLC, life estate and leasehold reviews.

MB Operations Support Team Supervisor

JP Morgan Chase
Phoenix, Arizona
  • Managed assigned section
  • Ensure efficiency scheduling and workflow
  • Assigns responsibility for tasks and decisions that affect productivity, service and quality
  • Manage productivity, service and quality standards
  • Implement policies and procedures designed to improve production, performance and profitability
  • Manage the section to ensure and coordinate with other departments to ensure timely processing
  • Conducts or directs complex problem resolution
  • Adhere to all JP Morgan Chase policies and procedures
  • Attend meetings and trainings as required to continue development and to enhance knowledge
  • Ensure adequate staff training
  • Provide performance feedback
  • Manage assigned bucket
  • Provide strategic planning and implementation for integration, conservations and system updates
  • Duties: Reconcile HUD fees, analyze property taxes, Homeowner's Insurance, Mortgage Insurance, view vesting, Flood Insurance
  • Request HUD and prepare closing documents for customer to sign
  • Also, review credit report to obtain monetary amounts for accounts need to be paid at closing
  • My Main role as a MB Operations Support Team Supervisor Manage time and attendance, write performance reviews
  • Travel to Manila training employees on loan originations products, attend weekly meeting
  • Plan team building events on a budget, lead
  • Train and motivate my employees to reach their full potential
  • Analyze mortgage file, review bank statements, tax returns and perform loan decision by Fannie Mac, Freddie Mac, Investor and Industry guidelines keeping in compliance with all company policy and procedures
  • Review credit report to determine customers credit worthiness, gather pertinent information to make a sound financial decision
  • Excellent customer relations with customers, attorneys, appraisers, Investors, Field representatives
  • This position required excellent interpersonal communication skills, aggressive and proactive
  • Actively and consistently treat all customers with a high level of respect and professionalism
  • Data entry keeping information current for investor and management reporting
  • Several reports to keep current for management such as tracking report, status reports, and projections
  • Responsible for ordering appraisals, title commitments, Homeowners insurance, Flood insurance, Credit reports, verifications of employment and deposits
  • Accurately document file and reviewing final conditions for compliance
  • Track all required documentation to assure processing time frames are being met and update system with statuses
  • Knowledgeable of principle practices and regulations applicable to mortgage lending
  • Work with customer, client and closing agent to resolve questions and/or problems
  • Assure documents are delivered to the Closing Department in a timely manner
  • Knowledge of first mortgage processing
  • Automated underwriting background and LP/DU.

Education

Master of Business Administration - Global management

University of Phoenix
11.2005

Bachelor of Arts - Speech/Performing Arts

Northeastern Illinois University
05.1991

Internship - Small Business Administration (SCORE)

Chicago, IL
06.1989

Skills

  • Loss Mitigation Specialist
  • Operational Specialist II/Funder
  • Title Analyst
  • Mortgage Closer Refinance, Purchase, FHA VA, DREAMAKER
  • Customer Assistance Specialist
  • Loss Mitigation /Loan Modification Specialist
  • Loss Mitigation Home Loan Non-Prime
  • Job Description: Loss Mitigation Specialist Relationship Man

Timeline

Operational Specialist II/Funder

JP Morgan Chase
10.2008 - 08.2023

Collector III - Non-Prime Back End

JP Morgan Chase
10.2008 - 05.2009

Director Entrepreneurship Training program

New City YMCA LEED Council / YMCA Alliance
11.2000 - 01.2002

Store Manager, Executive Manager, Assistant Manager

Walgreens
11.1994 - 10.2008

Master of Business Administration - Global management

University of Phoenix

Bachelor of Arts - Speech/Performing Arts

Northeastern Illinois University

Internship - Small Business Administration (SCORE)

Chicago, IL

Title Analyst

JP Morgan Chase

MB Operations Support Team Supervisor

JP Morgan Chase

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CLARENCE HUFF, JR.