Ebony White
Danville,VA
Summary
Knowledgeable and efficient mortgage professional with over 8 years of FHA, VA, USDA, FNMA, and FHLMC experience. Proficient in analyzing credit and financial data of loan applications. Dynamic interpersonal skills and problem solving ability contributes to timely loan closings in fast paced environments.
Overview
15
15
years of professional experience
Work History
Mortgage Transaction Coordinator
Guild Mortgage
01.2024 - Current
- Reviews loan application to determine what items are needed for preapproval and request what is needed from the applicant.
- Prepares all new files that are under official sales contract for submission to loan processing.
- Calculates income for Self employed, W2, or 1099 borrower and include income worksheet for processing.
- Works with customers to obtain underwriting conditions for final approval.
- Verify accuracy of contact information for realtors, title company, condo association, and employers listed on the 1003.
- Assist with credit supplements, clearing title of items not recognized by the borrower, ordering credit, ordering title, ordering appraisal, ordering condo docs.
Mortgage Customer Service Representative
Flagstar Bank
03.2023 - 12.2023
- Provides thorough resolution to customers to prevent repeat calls related to the same issue.
- Answers customer telephone calls promptly to avoid long on-hold wait times.
- Assists customers in updating contact information or corrections to their account.
- Maintained average of 90% customer satisfaction score over last three months, exceeding department average.
Mortgage Loan Specialist-Remote
Guild Mortgage
08.2022 - 01.2023
- Assist potential homebuyers by walking them through the entire process from application to closing.
- Host educational workshops for realtors and their clients.
- Conduct detailed presentation to clients to inform them of the best loan program available and the costs.
Mortgage Loan Consultant-Remote
New American Funding (OLA Dept)
02.2022 - 08.2022
- Answer customer inquiries regarding financing options, down payment assistance, and qualification.
- Accurately enter applicant information in the loan origination system.
- Regularly communicate with all parties involved to keep loan on track for timely closing.
Mortgage Loan Specialist-Remote
Goodmortgage
01.2021 - 12.2021
- Make 60 outbound calls a day to review accounts with existing customers who want to lower their monthly mortgage payment.
Mortgage Loan Specialist-Remote
New American Funding-ILA
10.2020 - 12.2020
- Answer any inbound calls and email inquiries regarding options for lowering the monthly payment, debt consolidation, or equity loan for home improvement.
- Make outbound calls to keep applicants informed of their loan status.
Mortgage Loan Specialist
Stearns
06.2016 - 11.2016
- Receive inbound calls and make outbound calls to assist homeowners seeking lower payments or equity loans for home improvements.
Consumer Direct Loan Officer
Guardian Mortgage
07.2015 - 06.2016
- Receive inbound calls from people interested in purchasing a home.
- Addressed any concerns or questions they had.
- Checked for eligibility of financing, completed application, and then submitted file for underwriting.
Mortgage Loan Specialist
Mr. Cooper (Formerly Nationstar)
02.2015 - 06.2015
- Originate FHA, VA, Conventional compliant loans in a high volume inbound call center environment.
Mortgage Loan Specialist
Homeward Residential
07.2013 - 01.2015
- Originate loans by refinancing existing customers in a inbound call center. Worked with underwriters to fix application problems and resolve issues.
Battalion Support Ops/Medical Logistics Officer
United States Army
08.2010 - 12.2015
- Create standard operation procedures for medical support units.
- Conduct quarterly performance evaluations of Junior Officers and Non-Commissioned Officers.
- Assess incoming projects, delegate tasks, establish timelines to meet project deadlines.
Mortgage Customer Service Representative
Bank of America
10.2009 - 07.2013
- Take 45 or more inbound calls daily.
- Assist incoming customers by taking payments, reviewing their escrow account, updating insurance information, locating misapplied payments, reviewing documents from original loan closing day, updating contact information, processing payoff statement requests, ordering lien release, providing updates on hardship requests, documenting promise to pay from customers who missed payment.
Education
Bachelor of Science - Major Dance
Eastern Michigan University
Ypsilanti, MI08.2008
Skills
- Accurately calculates income
- Adapts quickly to changes in policy and procedures
- Attention to detail allows accurate compliance with federal guidelines and Company overlays for underwriting
- TRID, RESPA, HMDA, and TILA knowledgeable
- Proficient in calculating income from W2, 1099, and business tax returns
- Familiar with Encompass, Calyx Point, Encompass, and Salesforce
Timeline
Mortgage Transaction Coordinator
Guild Mortgage
01.2024 - Current
Mortgage Customer Service Representative
Flagstar Bank
03.2023 - 12.2023
Mortgage Loan Specialist-Remote
Guild Mortgage
08.2022 - 01.2023
Mortgage Loan Consultant-Remote
New American Funding (OLA Dept)
02.2022 - 08.2022
Mortgage Loan Specialist-Remote
Goodmortgage
01.2021 - 12.2021
Mortgage Loan Specialist-Remote
New American Funding-ILA
10.2020 - 12.2020
Mortgage Loan Specialist
Stearns
06.2016 - 11.2016
Consumer Direct Loan Officer
Guardian Mortgage
07.2015 - 06.2016
Mortgage Loan Specialist
Mr. Cooper (Formerly Nationstar)
02.2015 - 06.2015
Mortgage Loan Specialist
Homeward Residential
07.2013 - 01.2015
Battalion Support Ops/Medical Logistics Officer
United States Army
08.2010 - 12.2015
Mortgage Customer Service Representative
Bank of America
10.2009 - 07.2013
Bachelor of Science - Major Dance
Eastern Michigan University
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