Ernettor Belton
Loan Servicing
Greensboro,NC
Summary
Analytical professional with 10 years of mortgage banking experience in servicing operations. Working knowledge of investor / insurer guidelines and proficient in computer applications. Comfortable in production environments that require the ability to managed varies levels of responsibility.
Experienced with notarizing documents and ensuring their legal validity. Utilizes keen eye for detail and thorough understanding of legal processes to support accurate document execution. Knowledge of regulatory compliance and proven ability to manage client relationships effectively.
Overview
16
16
years of professional experience
Work History
Commission Notary Public
Commission Notary Public of North Carolina
03.2022 - Current
- Verify the identity of signers of loan and official documents, ensuring the legitimacy of signatures.
Remote Mortgage Loan Processor
Annie-Mac Home Mortgage
11.2020 - 01.2022
- Adhered to industry regulations, policies, and procedures, compliance requirements for FHA, VA, and conventional loans. Processing refinance and purchase loans, from the initial approval to closing.
- Gathered data / documents to satisfy underwriting conditions.
- Prepared and submitted loan packages to underwriting.
- Ensured loan files complied with investor/insurer guidelines, state/federal regulations, and bank policies prior to closing.
Independent Insurance Consultant
Independent Insurance Consultant
05.2018 - 12.2021
- Educated and referred clients on products, services, and affordable health and life insurance.
Loan Servicing – Residential Mortgage Lending
Wells Fargo Home Mortgage
05.2010 - 07.2018
- Researched and analyzed escalated complaints and/ or data inconsistencies to identify root causes. Analyze homeowners' financial situation; conducted hardship interviews, financial affordability assessment and calculations.
- Collaborated and communicated with borrowers, delegated authorities, stakeholders, and other departments to discuss loss mitigation options/ strategies to ensure full resolution and negotiation of sensitive matters.
- Collected, reviewed, and verified that processes and all necessary loan documentation aligned with investor guidelines / contractual terms, internal bank policies and requirements; and state mandates / external regulations.
- Documented findings, vital information, identified risks and the steps needed and taken to resolve delinquency or processing errors.
- Ordered supporting documents BPO, foreclosure fees and cost, and all applicable.
- Submitted completed loss mitigation package for underwriting decision. Managed all borrower and attorney phone calls and correspondence.
- Managed, maintained, and processed pipeline of 30 to 50 loans, meeting expectations and service levels.
- Partnered with foreclosure team to ensure SCRA and guidelines followed.
- Supervised day to day operations of 10-14 POS. Interfaced and supported line-level management.
- Prepared daily and monthly reports including call, production, and performances. Analyzed reporting metrics.
- Managed individual pipeline, while managing risk and monitoring the loan pipelines of the team, managed all team escalations to resolve internal and external customer service issues.
- Conducted pre-underwriting review of completed loan package prior to team members' underwriting submissions.
- Conducted risk assessments: identified, reported, escalated compliance and operational issues.
Education
Brewers Insurance School
Columbia, SCundefined
Kaplan Financial Education
Charlotte, NCHigh School Diploma - undefined
Northwestern High School
Rock Hill, SCSkills
- Research Remediation
- Default Operations
- Mortgage Loan Servicing
- Compliance Risk Management
- Financial Risk Management
- Conflict Management
- Encompass LOS
- MSP/ Loan Servicing System
- Black Knight
- Microsoft Office
- NC Commission Notary Public
Military Service
Veteran US Army: Air Defense Artillery 2818 Unit El Paso, Tx
Timeline
Commission Notary Public
Commission Notary Public of North Carolina
03.2022 - Current
Remote Mortgage Loan Processor
Annie-Mac Home Mortgage
11.2020 - 01.2022
Independent Insurance Consultant
Independent Insurance Consultant
05.2018 - 12.2021
Loan Servicing – Residential Mortgage Lending
Wells Fargo Home Mortgage
05.2010 - 07.2018
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Kaplan Financial Education
High School Diploma - undefined
Northwestern High School
Brewers Insurance School