Summary
Overview
Work History
Education
Skills
Timeline
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Crystal Tuffy

Macomb,MI

Summary

Talented Mortgage Banker bringing more than 20s years of experience in the Mortgage Industry. Possesses deep understanding of credit analysis, loan origination and risk assessment. Adept at mathematical accuracy and following financial regulations with the ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

18
18
years of professional experience

Work History

Mortgage Banker

Homesite Mortgage
12.2008 - Current
  • Evaluated client financial positions and identified most appropriate loan product and terms to meet needs and financial goals.
  • Explained very technical financial information to applicants in easy to understand language.
  • Negotiated loan terms and conditions with clients
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Checked loan documents for accuracy prior to closing.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Fielded customer complaints and provided solutions.
  • Proactively identified solutions for customers experiencing credit issues.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Developed and maintained relationships with customers, lenders and other third parties.

Loan Processor

Cambridge Financial Group
01.2007 - 05.2008
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Set up and completed loan submission packages.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Utilized loan origination software to process and track loan applications.
  • Handled any conditions sent from underwriting departments.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Processed loans within various departments to achieve timely, accurate, and fair proceedings.
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Advised loan officers to comply with loan guidelines and apply best practices.
  • Processed loan applications and monitored progress from start to finish.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.


Due Diligence Underwriter

Clayton Services
10.2005 - 01.2007
  • Maintained up-to-date knowledge of applicable laws and regulations.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.

Education

BBA - Business Administration And Management

Western Michigan University
Kalamazoo, MI
12.2000

Skills

  • Mortgage Lending Requirements
  • Borrower Interviewing
  • Real Estate Lending Processes
  • Negotiation Tactics
  • Financial Analysis
  • Regulatory Compliance
  • Microsoft Office
  • Document Analysis
  • Desktop Underwriting Expertise

Timeline

Mortgage Banker

Homesite Mortgage
12.2008 - Current

Loan Processor

Cambridge Financial Group
01.2007 - 05.2008

Due Diligence Underwriter

Clayton Services
10.2005 - 01.2007

BBA - Business Administration And Management

Western Michigan University

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Crystal Tuffy