Fashia Flowers
Brentwood
Summary
Result driven, goal oriented professional with diversified experience in training, negotiations, and project management.
Highly skilled at problem identification, resolution and maintaining open communication. Proficient in business practices including compliance, gathering and reporting.
Known for effective presentation, communication and customer service skills while successfully working independently or part of a larger team.
Proven ability to excel in a fast-paced environment while Organized and meticulous and remains current on company
standards, federal and agency regulations, standards, and guidelines to ensure accuracy and compliance. Experience and extensive knowledge of State Bond Programs.
Overview
14
14
years of professional experience
Work History
Insurance Agent
Unitrust
Remote
05.2024 - Current
- Developed and maintained client relationships to enhance customer satisfaction and retention.
- Analyzed insurance needs, providing tailored policy recommendations to clients.
- Processed policy applications and renewals, ensuring compliance with company standards.
- Educated clients on coverage options and claims processes to facilitate informed decisions.
Documentation Specialist
United Business Bank
Walnut Creek, CA
08.2022 - 04.2024
- Developed and maintained comprehensive documentation for internal processes and standard operating procedures.
- Collaborated with cross-functional teams to gather information and ensure accuracy in documentation.
- Implemented document control practices to enhance organization and retrieval of critical materials.
- Reviewed and edited technical documents for clarity, coherence, and adherence to company standards.
Mortgage Funder/Post Closer
Excel Realty & Mortgage
Pleasanton, CA
09.2021 - 07.2022
- Reviewed and verified loan documents for compliance and accuracy.
- Coordinated with lenders, title companies, and clients to facilitate timely funding process.
- Processed mortgage applications using Encompass software to ensure efficient workflow.
- Trained junior funders on best practices and compliance requirements in funding operations.
Mortgage Loan Funder
Owning/Guaranteed Rate
Orange, CA
08.2020 - 07.2021
- Reviewed loan documents for accuracy and compliance with regulatory requirements.
- Coordinated funding processes to ensure timely disbursement of loans.
- Collaborated with underwriting teams to resolve issues related to loan conditions.
- Implemented process improvements that enhanced efficiency in loan funding procedures.
Mortgage Funder
Fremont Bank
Livermore, CA
07.2019 - 08.2020
- Coordinated funding processes to ensure timely closings and customer satisfaction.
- Reviewed and verified loan documents for compliance with underwriting guidelines.
- Trained junior staff on funding procedures and compliance protocols.
- Analyzed discrepancies in loan files and resolved issues proactively.
Loan Funder/Loan Document Specialist
East West Bank
El Monte, CA
02.2018 - 05.2019
- Implemented process improvements that enhanced efficiency in funding operations.
- Maintained detailed records of all funded loans, ensuring easy retrieval for future reference or auditing purposes.
- Assisted underwriters with the thorough review of complex financial documents to ensure compliance with lending guidelines.
- Verified borrower information against underwriting conditions prior to finalizing loan approvals, mitigating potential risks associated with noncompliance.
- Effectively managed relationships with external partners such as title companies, appraisers, and real estate agents, facilitating seamless coordination throughout the loan funding process.
Loan Processor
Mr. Cooper Mortgage
Santa Ana, CA
02.2016 - 01.2018
- Collaborated with borrowers to gather necessary documentation and clarify loan terms.
- Coordinated with various departments to streamline processing workflows and enhance communication.
- Analyzed credit reports and financial statements to assess borrower eligibility for mortgage products.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
Loan Officer
AAG
Orange, CA
07.2015 - 02.2016
- Evaluated loan applications to determine eligibility and creditworthiness.
- Collaborated with clients to gather necessary documentation for loan processing.
- Streamlined loan approval processes, enhancing efficiency and reducing turnaround times.
- Mentored junior staff on compliance standards and best practices in lending.
Loan Processor
PennyMac Loan Services
Moorpark, CA
09.2011 - 09.2015
- Reviewed loan applications for accuracy and completeness, ensuring compliance with underwriting guidelines.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Education
Bachelor of Arts - BUSINESS
University of Phoenix
Tempe, AZ05-2027
Skills
- Client Relations Cross-Collaboration Documentation and Reporting Accuracy and Timeliness Complex Problem Solving
Doc Magic PowerPoint Loan Sphere Encompass Calyx‐Point Lotus Notes MS Office Windows MLS NDC Data
Timeline
Insurance Agent
Unitrust
05.2024 - Current
Documentation Specialist
United Business Bank
08.2022 - 04.2024
Mortgage Funder/Post Closer
Excel Realty & Mortgage
09.2021 - 07.2022
Mortgage Loan Funder
Owning/Guaranteed Rate
08.2020 - 07.2021
Mortgage Funder
Fremont Bank
07.2019 - 08.2020
Loan Funder/Loan Document Specialist
East West Bank
02.2018 - 05.2019
Loan Processor
Mr. Cooper Mortgage
02.2016 - 01.2018
Loan Officer
AAG
07.2015 - 02.2016
Loan Processor
PennyMac Loan Services
09.2011 - 09.2015
Bachelor of Arts - BUSINESS
University of Phoenix