Ellisa Davis
Downers Grove,IL
Summary
Dedicated Mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
10
10
years of professional experience
Work History
Mortgage Closer
Wells Fargo
Lombard, IL
06.2019 - Current
- Maintained checklists of required documentation and open issues affecting closings
- Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
- Handled as many as 50 closing files each month by effectively organizing, multitasking and prioritizing closing work
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs
- Responsible for the mortgage closing process for non-conforming loans after assignment
- Prioritizing and/or managing assigned pipeline to anticipate estimated closing date
- Preparing loan documents
- Entering loan information into system
- Verifying funding; possibly clearing stipulations
- Communicates with Settlement Agent, customer and/or 3rd parties
- Review pre-audit and closing conditions and clear all closing conditions and then authorize the funding of the loan
- Proved successful working within tight deadlines and fast-paced atmosphere.
Loan Servicing Specialist
Alliant Credit Union
Rolling Meadows, IL
12.2017 - 06.2019
- Review and resolve credit report disputes
- Review, release, and perfect Title
- Responsible for accurate and timely research, resolution and response to member credit score questions and issues
- Respond to member credit disputes received via e-Oscar or by written correspondence
- Process and submit Insurance claims, process insurance claim payments, requests for refunds and coordinate payment of damage claims
- Collect and document all collateral titles, and file liens.
- Participates in new and innovative projects to improve efficient servicing operations and success of strategy
- Proactively engage and collaborate with internal partners to successfully accomplish department and organizational goals
- GL Balancing and Reconciliation
- Create Written Procedures
Loan Processor
JPMorgan Chase
Lewisville, TX
03.2016 - 12.2017
- Work directly with customers to ensure high customer satisfaction
- Maintain system accuracy issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy
- Set up files and order all necessary exhibits for appraisals and credit reports
- Prepare and calculate income and assets thoroughly before submission to underwriting
- Order and review title insurance appraisals loan payoffs flood and tax certificates and surveys and thoroughly review all documents before submission to underwriting
- Obtain and review documents for compliance with loan conditions with internal, external partners, and vendors to obtain additional documentation to complete loan submissions and perform closings
- Check alternative documentation for accuracy and potential problems
- Manage pipeline via weekly pipeline report
- Home Equity Line of Credit and First Mortgage experience
- Provided quick turnaround times to maintain fast-past schedule
Student Finance Consultant
DeVry University
Addison, IL
11.2014 - 03.2016
- Guided clients through compiling important financial histories and documentation for evaluation
- Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities
- Assess student finance needs and provides recommendations which enable students to develop a comprehensive financial plan to complete their education
- Proactive in assisting students and other employees in resolving basic student finance issues which may prevent funding of educational expenses
- Expedites issue resolution for students and staff with the assistance of authorized members of my team
- Inbound call handling, responding to written requests via e-mail, performing routine account maintenance and submitting requests to resolve student finance issues and concerns
Mortgage Service Specialist
HSBC Mortgage Services
Elmhurst, IL
09.2012 - 10.2014
- Contact customers by telephone whose accounts are past due to negotiate appropriate resolution and offer financial advising, One on one delinquent loan counseling
- Send correspondence to customer in accordance to company policies
- Update and verify customer information on computer system, Review loan documents
- Recognize potential high-risk accounts and develop techniques to help collect money and streamline process
- Complete Modifications, Foreclosure Reinstatement and inform customers about exit strategies such as Short Sale or Deed in Lieu to better serve customer
- Skip Tracing
- Planned and dealt with payment schedules.
- Assessed aging accounts and initiated collection strategies based on conditions
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
Education
BBA - Business Administration
DeVry University
Chicago, IL09.2024
High School Diploma -
Proviso West
Hillside, IL09.2005
Skills
- Time Management
- Organization
- Verifying and Analyzing data
- Knowledge of loan Underwriting
- Processing Mortgage Loans
- Proficiency in Financial Software programs and Computer Software
- Customer Service
- Evaluating Financial Documents
- Interpersonal skills, Collaboration, Active listening, problem solving
- Loan File Maintenance and Management
- Loan Closing
- Short Sale, Foreclosure, Deed in Lieu, Collection, and Loss Mitigation
Timeline
Mortgage Closer
Wells Fargo
06.2019 - Current
Loan Servicing Specialist
Alliant Credit Union
12.2017 - 06.2019
Loan Processor
JPMorgan Chase
03.2016 - 12.2017
Student Finance Consultant
DeVry University
11.2014 - 03.2016
Mortgage Service Specialist
HSBC Mortgage Services
09.2012 - 10.2014
BBA - Business Administration
DeVry University
High School Diploma -
Proviso West
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