Jayla Baker
Toney,AL
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Manages high-volume loan paperwork that requires my expertise of reviewing and analyzing for accuracy. Self motivated, reliable team player.
Overview
12
12
years of professional experience
Work History
Credit Verification Specialist
Advantage Credit Union
Remote
06.2023 - Current
- Process supplement request from the client’s/requests in the production que
- File supporting documentation
- Work supplement requests by taking appropriate action to verify and update trade line which includes : calling, emailing, or faxing creditors
- Conducting conference calls with creditors and borrowers to verify accuracy of credit reporting
- Participated in regular performance reviews, using constructive feedback as an opportunity for growth and development within my role as a Verification Specialist.
- Prioritized workload efficiently, managing multiple cases simultaneously without compromising on quality or accuracy.
- Maintained a high level of professionalism when interacting with external parties during the verification process.
- Demonstrated excellent attention to detail while handling sensitive client information, ensuring confidentiality at all times.
Mortgage Loan Processor
Redstone Federal Credit Union
Huntsville, AL
06.2019 - 06.2023
- Audit and review documents such as LE and disclosures for accuracy and ensure they are delivered within TRID time frame
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Remain up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Thoroughly review and work with title company to confirm accuracy
- Prepare file for final clear-to-close by underwriting
- Prepared loan estimate with new loan application and sent initial disclosures.
Mortgage Collections Specialist
Redstone Federal Credit Union
Huntsville, AL
11.2016 - 06.2019
- Maintained collections on all government mortgage loans: Fannie Mae, Freddie Mac, and VA
- Executor of loss mitigation and work out plans
- Prepare reports and host monthly meetings to compare loan defaults
- Maintain OREO real estate and work as liaison for my credit union and real estate agents and auctioneers
- Collaborate with management as well as internal audit team to ensure operations are within compliance
Collections Specialist
BBVA Compass Bank
Decatur, AL.
02.2013 - 11.2016
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Worked with customer to create debt repayment plan based on current financial condition.
- Prepared and submitted legal documents to initiate court proceedings.
- Achieved performance goals on consistent basis.
- Developed and documented collection procedures and policies to comply with government regulations.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Worked in call center environment handling manual and automatically dialed outbound calls.
Education
High School Diploma -
Columbia High School
Huntsville, AL05.2012
No Degree -
Calhoun Community College
Tanner, ALSkills
- Critical Thinking
- CRM
- Salesforce
- Banking
- Loan Paperwork
- Processing Procedures
- Generating Reports
- Legal Documentation
- Loan Records Filing and Maintenance
- Resolve Paperwork Errors
- Mortgage Closing Scheduling
- Closing Documentation
- Gathering Appraisals
- Legal Compliance
- Appraisal Verification
- Financial Underwriting
Additional Information
- FMM L , M B C - S E C
Timeline
Credit Verification Specialist
Advantage Credit Union
06.2023 - Current
Mortgage Loan Processor
Redstone Federal Credit Union
06.2019 - 06.2023
Mortgage Collections Specialist
Redstone Federal Credit Union
11.2016 - 06.2019
Collections Specialist
BBVA Compass Bank
02.2013 - 11.2016
High School Diploma -
Columbia High School
No Degree -
Calhoun Community College