Courtney Marcus
Athens,AL
Summary
Organized and dependable candidate successful at managing a large workload with a positive attitude. Willingness to take on added responsibilities to meet team goals. Not to mention im a
detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Adept at managing complex loan files and navigating regulatory requirements. Emphasizes team collaboration, adaptability, and achieving results in dynamic environments. Also known for excellent organizational skills and strong analytical capabilities.
Overview
18
18
years of professional experience
Work History
Automotive Dealer/Owner & Operator
SoCal Automotive Group
07.2019 - 09.2023
- Was responsible for buying, selling, pricing and maintaining a large inventory of vehicles.
- Assessing each vehicle immediately after purchase from auction and arrange for transport to appropriate destination for vehicle repair and or detailing. .
- Facilitating customer financing with a wide number of lenders.
- Preparing closing documents at the time of sale, including but not limited to Dept of Motor Vehicle title application and all other required state documents needed to finalize the sale.
- Responsible for processing title to all sales & sending to the state of Alabama.
- Maintaining the car lot as well as the sales building.
Mortgage Loan Processor
Supreme Lending
09.2014 - 09.2019
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Mitigated risk exposure for the organization through careful evaluation of applicant creditworthiness before proceeding with the loan process
- Managed a high volume of Conventional, FHA, VA, USDA loan applications, meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Consulted with outside vendors to identify and resolve loan closing issues.
Mortgage Loan Processor
Cadence Bank, NA
01.2012 - 09.2014
- Processed Conventional, FHA, VA, USDA mortgage loan applications accurately and successfully for over 15 years.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Handled any conditions sent from underwriting departments.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
Mortgage Loan Processor
SunTrust Mortgage
01.2008 - 01.2012
- Managed a high volume of Conventional, FHA, VA, USDA loan applications, meeting or exceeding established processing timeframes for both new loans and refinancing.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Expedited closing processes, coordinating effectively with attorneys, real estate agents, and borrowers.
- Supported regulatory compliance, staying abreast of changes in mortgage lending laws and implementing necessary adjustments.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
Quality Control Underwriter
The Bohan Group / Clayton / Opus Financial
01.2006 - 01.2008
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Performed second-level review for loans recommended for denial by assisting with re-negotiations.
- Reviewed sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans.
- Improved risk selection by consistently conducting comprehensive financial and credit analyses on potential clients.
- Ensured data integrity by diligently maintaining accurate records in underwriting systems and databases.
Education
High School Diploma -
Hamilton High School
Anza, Ca05-1993
Skills
- Self motivated
- Customer service-focused
- Multitasking
- Attention to detail
- Organizational skills
- Analytical thinking
- Risk assessment
- Microsoft office
- Automated underwriting system (AUS)
Timeline
Automotive Dealer/Owner & Operator
SoCal Automotive Group
07.2019 - 09.2023
Mortgage Loan Processor
Supreme Lending
09.2014 - 09.2019
Mortgage Loan Processor
Cadence Bank, NA
01.2012 - 09.2014
Mortgage Loan Processor
SunTrust Mortgage
01.2008 - 01.2012
Quality Control Underwriter
The Bohan Group / Clayton / Opus Financial
01.2006 - 01.2008
High School Diploma -
Hamilton High School
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