DAVID CRAVEN
Ashland City,TN
Summary
Well-qualified professional with proven success in improving operations and solving problems. Highly proficient in building lasting relationships with key decision makers, customers and team members to further company goals. Ready to leverage training and experience to take on new professional challenges.
Overview
12
12
years of professional experience
Work History
Realtor, NAR
Mark Spain Real Estate
2023.08 - Current
- Assisted sellers with listing their homes by assessing needs, requirements, and budgets.
- Wrote contracts to outline sales and of properties.
- Resolved client concerns related to home selling to maintain high satisfaction ratings.
- Advised and informed prospective clients on current market activities and conditions.
Mortgage Funder
Tata Consultancy Services (TCS)/Morgan Stanley
2021.01 - 2023.04
- Reviewed closed loans for compliance standards, authorized loan to fund or followed up for additional trailing documents.
- Fielded customer complaints and provided solutions.
- Released wires for mortgage fundings.
- Funded loans in all 50 States.
- Responsible for high volume pipeline.
- Funded mortgage programs including, but not exclusive to: Conventional, FHA, VA, USDA(RD), and Jumbo
- Cleared all funding related Underwriting conditions.
Post Closing Quality Assurance
Franklin Synergy Bank (Randstad Contractor)
2020.03 - 2020.12
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Ensured quality assurance throughout large commercial mortgage loan portfolio.
Mortgage Funder
Reliant Bank
2014.10 - 2019.08
- Developed, set policy and procedure for funding department.
- Tested software applications for use in locking mortgage loans (App Navigator).
- Daily responsibilities included funding mortgage loans, wiring funds, clearing funding conditions and ensuring data integrity for shipping and insuring sale of loan.
- Served as alternate to lock desk with careful attention paid to mortgage pricing and profitability.
Junior Underwriter
Franklin American Mortgage Company Inc.
2011.11 - 2014.06
- Responsible for managing Underwriters pipeline
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
Education
Bachelor of Science - Business
Middle Tennessee State University
Murfreesboro, TNBusiness
Volunteer State Community College
Gallatin, TNSkills
- Excellent interpersonal communication skills.
- Ability to handle multiple projects in fast-paced and deadline driven environment.
- Skilled in Calyx Point, Open Close, Outlook, DU, Encompass, Salesforce, Zipforms, Mortgagebot, Factual Data, Work Number, and most mortgage related software
- Comfortable with all settlement statements, closing disclosures purchase contracts and underwriting guidelines.
- Experienced with wiring funds and instructions and expectations associated with loan funding.
- Accustomed to communicating with Title Companies and familiar with their verbiage and process.
Timeline
Realtor, NAR
Mark Spain Real Estate
2023.08 - Current
Mortgage Funder
Tata Consultancy Services (TCS)/Morgan Stanley
2021.01 - 2023.04
Post Closing Quality Assurance
Franklin Synergy Bank (Randstad Contractor)
2020.03 - 2020.12
Mortgage Funder
Reliant Bank
2014.10 - 2019.08
Junior Underwriter
Franklin American Mortgage Company Inc.
2011.11 - 2014.06
Bachelor of Science - Business
Middle Tennessee State University
Business
Volunteer State Community College
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