Debra Kaye Terry
Business
Bradenton,FL
Summary
- Highly detail-oriented and organized loan processor with 10+ years of experience in a fast-paced environment.
- Proficient in assisting qualified applicants with obtaining loans in a timely manner.
- Extremely organized and capable of maintaining complex loan records.
- Proven track record of addressing customer needs while presenting and exploring all of their financial options.
- Great team player and have ability to maintain quality of work even during times of high volume.
- The ability to cultivate trustworthy relationships with all parties and abide by all regulations and laws.
Overview
21
21
years of professional experience
Work History
Remote Service Advocate
Farmers Insurance
06.2022 - Current
- Resolves customer and agent inquiries, solves problems related to policies.
- Consults effectively throughout the insurance life cycle relating to coverage, renewals, cancellations, pricing and other general service related requests
- Utilizes multiple system platforms to conduct research, identify processes and review prior transactions to make sound decisions and recommendations to customers
- Maintains accurate system documentation of customer interactions or transactions, details of inquiries, complaints, or comments, as well as action taken
- Identifies trends in service and escalates concerns to leadership
- Partners with various departments including Policy Support, Claims and Underwriting in responding to or assisting to resolve customer concerns
- May work with external vendors to further solve for or respond to customer needs
- Builds knowledge and industry acumen through self-directed learning to contribute updated content to the Knowledge Management system for department use
- Stays current with underwriting and policy guidelines, and other updates including Department of Insurance requirements.
Remote Senior Mortgage Loan Processor
Promontory MortgagePath
08.2021 - 02.2022
- Perform initial appraisal of potential borrowers by thoroughly examining their applications
- Assess credit standings of applicants through background research and credit reports
- Conclude on all applicable financial and non-financial criteria
- Follow up with clients to clarify important points and deadlines
- Give 'green light' to eligible candidates and report decisions with sound arguments
- Order property appraisals and title documents
- Finalize loan contracts and keep clients informed of rules and obligations
- Remain up to speed regarding lending and other financial services
- Identify customer needs, explore all options and suggest different types of loans
- Forge trust relationships and enhance customer dedication
- Work within established regulations and adhere to law requirements at all times
- Experience with BytePro loan software.
- Processed mortgage loan applications accurately and successfully for over ten years
Remote Mortgage Loan Processor
American Financing Corp
07.2020 - 07.2021
- Gathered information for loan applications
- Evaluated credit histories for applications
- Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
- Reviewed file documentation for missing or erroneous information
- Meet loan application deadlines
- Ability to handle 60 files monthly with average closings of 30 files
- Provide support to loan officers and underwriting teams by ensuring timely, judicious and accurate processing of mortgage loans
- Run underwriting findings through DU, LP and GUS
- BytePro Software System
- Process FHA, VA and Conventional loan programs.
High School Teacher
Jefferson County Public Schools
04.2015 - 03.2020
- Follow procedures and achieve lesson plans
- Take attendance and assign and explain homework
- Follow school rules and regulations
- Oversee normal classroom rhythms and activities.
Senior Mortgage Loan Processor, Loan Officer
Primary Residential Mortgage
01.2003 - 04.2015
- Oversee documentation and submission process for residential mortgage loans
- Served as the main point of contact to the borrower, real estate agent, mortgage loan officer, and mortgage underwriter from origination through close of the mortgage transaction
- Obtained and verified the accuracy of borrower financial documentation, as well as any third-party documentation such as hazard insurance certificates, surveys, title reports, and appraisals needed to satisfy lender requirements
- Ensured that all loan files and credit packages complied with company lending policies, as well as state and federal lending regulations
- Process FHA, VA, USDA, and Conventional loan programs
- Calyx Point and Encompass Software.
Senior Adjunct Instructor
Sullivan University
01.2010 - 03.2015
- Instruct online and on-campus classes
- Prepare courses for undergraduate students on topics including Conflict Management, Diversity, Organizational Conflict Analysis, Business Administration, Management, and Human Resources
- Prepare course materials including syllabi, homework assignments, and handouts
- Adopt teaching methods and instructional materials
- Write and administer exams and PowerPoint presentations.
Education
Bachelor's Of Science - Business Administration - Management
Sullivan University
MBA -
Sullivan University
09.2011
MS - Conflict Management- Business
Sullivan University
09.2009
Skills
- Conflict Resolution & Negotiation
- Customer Service
- Team Building
- Organizational Development
- Strategic Planning
- Time Management
- Insurance Services
- Financial Management
- Sales
- Problem Solving
- Document Review
- Video remote services
- Onsite and remote services
- Service requests
- Customer service skills
- Banking Software knowledge
Timeline
Remote Service Advocate
Farmers Insurance
06.2022 - Current
Remote Senior Mortgage Loan Processor
Promontory MortgagePath
08.2021 - 02.2022
Remote Mortgage Loan Processor
American Financing Corp
07.2020 - 07.2021
High School Teacher
Jefferson County Public Schools
04.2015 - 03.2020
Senior Adjunct Instructor
Sullivan University
01.2010 - 03.2015
Senior Mortgage Loan Processor, Loan Officer
Primary Residential Mortgage
01.2003 - 04.2015
Bachelor's Of Science - Business Administration - Management
Sullivan University
MBA -
Sullivan University
MS - Conflict Management- Business
Sullivan University
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