Gemma Taylor
MESA,Arizona
Summary
Highly skilled financial professional with extensive experience within the financial institution offering proven business acumen acquired in almost 20 years within the mortgage industry. Utilize strength in analysis, problem solving, and communications. Strong interpersonal skills with customers and teams that deliver best in class service and support. Consistently recognized as a high achiever with dedication, commitment and quality.
Overview
21
21
years of professional experience
Work History
Loan Processor
Nvestor Funding LLC
06.2024 - Current
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Processed loan applications and monitored progress from start to finish.
Loss Mitigation Specialist
Shellpoint Mortgage
03.2023 - 06.2024
- Interview borrowers to understand their specific situation: identify and request the appropriate documents required for loan medication review
- Analyze the customers financial situation and making recommendations on loan modification/workout options to resolve delinquency
- Ensure necessary information and complete packages are received in a timely manner
- Answer inbound inquires from borrower regarding the status of the loss mitigation, loan medication, short sale and foreclosure process identify, maintenance, track and log requested documentation from loan modification review
- Place outbound calls to notify borrower when additional loan documentation is required or to follow up on loan documents
- Access information on multiple systems to inform borrowers of loan terms, important dates, and deadlines
- Notify customers and ensure their understanding of status, options, timelines
- Reinstate delinquent loans and processing payment over the phone to bring loan current
- Collaborated with cross-functional teams, including legal, compliance, and investor relations, to align loss mitigation strategies with organizational objectives, ensuring a cohesive approach
- Employed a data-driven approach to strategically implement loss mitigation options, including pre-foreclosure sales, loan modifications, and repayment plans, resulting in a substantial reduction in foreclosure-related losses
- Remained updated with latest information related to mortgage products and services being offered.
- Reduced delinquency rates by implementing effective loss mitigation strategies and closely monitoring portfolio performance.
Loan Processor SR
Wells Fargo Home Mortgage
02.2020 - 08.2022
- Utilize loan background to ensure that all aspects of the loan packages are within guidelines
- Used exemplary customer service and interpersonal skills to answer any questions or resolve any issues that may develop during the loan process
- Continually met deadlines in a high paced and stressful environment maintaining a pipeline of 55 to 60 files
- Known as a top producer on team consistently and supporting colleagues to reach goals
Office Manager / Owner
GM Experts Auto Repair
06.2014 - 01.2020
- Managed office and dealt with customers and managed employees
- Marketed business, placed ads, website development, payroll, and Quick books for bookkeeping
- Prepared estimates for repairs and sold to customers
- Ordered parts and shop supplies and worked with dealerships and suppliers
Renovation Home Mortgage Consultant
Wells Fargo Home Mortgage
07.2013 - 06.2014
- Built relationships with Prime HMC's
- Provided support for 40 HMC's in the East Valley
- Scheduled, planned, and prepared presentation meetings
- Originated 203K and Conventional Renovation loans for Purchase/Renovate and Refinance/Renovate
- Communicated between the borrowers and contractors to complete renovations
- Completed contractor validation packets to get contractors approved to perform the renovation
Loan Processor SR-Team Lead
Wells Fargo Home Mortgage
09.2009 - 07.2013
- Processed FHA 203K & Conventional Rehabilitation mortgage loans
- Utilized loan experience to ensure the loan packages were within FHA / Conventional guidelines
- Used exemplary customer service and interpersonal skills to answer questions or resolve issues that may develop during the loan process
- Continually met deadlines in a high paced and stressful environment
- Served as Team Lead, assisting team member with questions and processing for loan files
- Assisted leadership with managing team member with day-to-day work duties and reports
Loan Processor
Independent Contractor
03.2009 - 07.2009
- Worked closely with loan officers and clients to gather necessary documents to start the mortgage process
- Ensured that the loan files had the necessary documents and fit within the loan guidelines before submission to lending institutions
- Acted as liaison between the banks, loan officers and client, ensuring parties stayed on tract and met closing deadlines
Loan Specialist
Ace Mortgage Funding / Pacific Mortgage
01.2008 - 03.2009
- Developed marketing campaigns through telemarketing and referral network to increase business and revenue
- Ensured that all files were submitted as full packages to make a quick and easy closing for the client
- Trained new Loan Specialists on guidelines, procedures and took them out on the field to assist with clients
Account Executive
Countrywide FSL Division
05.2007 - 11.2007
- Managed and maintained a monthly pipeline of over a million dollars consistently every month
- Generated business via the internet and outbound calls by utilizing Countrywide's internal database
- Assisted clients on finding financial and mortgage solutions while building lasting relationships
Account Executive
Aegis Home Equity
11.2003 - 05.2007
- Generated new broker business by traveling to various mortgage trade shows throughout the country
- Developed new and maintained broker relationships within designated territory in California through various meetings, phone calls and the internet
- Worked closely with internal staff and brokers to ensure that files closed within a timely manner
Education
Windsor Girls School
Skills
- Detail Oriented
- Meets Deadlines
- Analytical
- Closing
- Team Player
- Client Relations
- Outbound Sales
- Fair Housing Regulations
- Account Management
- Data Entry
- Teamwork and Collaboration
- Information Verification
- Regulatory Compliance
Timeline
Loan Processor
Nvestor Funding LLC
06.2024 - Current
Loss Mitigation Specialist
Shellpoint Mortgage
03.2023 - 06.2024
Loan Processor SR
Wells Fargo Home Mortgage
02.2020 - 08.2022
Office Manager / Owner
GM Experts Auto Repair
06.2014 - 01.2020
Renovation Home Mortgage Consultant
Wells Fargo Home Mortgage
07.2013 - 06.2014
Loan Processor SR-Team Lead
Wells Fargo Home Mortgage
09.2009 - 07.2013
Loan Processor
Independent Contractor
03.2009 - 07.2009
Loan Specialist
Ace Mortgage Funding / Pacific Mortgage
01.2008 - 03.2009
Account Executive
Countrywide FSL Division
05.2007 - 11.2007
Account Executive
Aegis Home Equity
11.2003 - 05.2007
Windsor Girls School
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