JoElla Dirina Dabney
Lizella,GA
Summary
Highly motivated, creative and versatile executive with a proven track record of leading, training and influencing others to maximize their capabilities. Experience encompasses 20+ years of conceptualizing, developing and implementing innovative solutions in the areas of sales, customer service, business development, operations, mortgage loan processing and strategic business planning. An energetic, dedicated individual who is results and growth oriented, able to bring order out of chaos and has the ability to lead from concept through implementation.
Overview
27
27
years of professional experience
Work History
Home Loan Specialist III
PennyMac Loan Servicing, Inc.
Plano, Texas
01.2016 - 05.2022
- Expertise in Conventional, FHA, VA IRRRLS & Fannie Mae Loans
- Mortgage processor known for strengths in risk assessment, income/credit analysis and documentation review.
- Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.
- Comprehensive knowledge of processor guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages.
- Work collaboratively with team members to drive deals to successful funding and close.
- Skills: Lending & Underwriting Guidelines, Credit & Income Analysis, Cash-Flow Analysis, Risk Assessment, Loan-to-Value Ratios, Debt-to-Income Ratios, Conventional & Government Mortgages, Conforming & Nonconforming Loans, ARMS, Loan Closing, Funding & Documentation, Account Service Excellence
Senior Loan Processor
Areotek
Irving, Texas
01.2009 - 01.2010
- Directed pipeline management and work flow coordination for 20-30 loans for conforming and nonconforming mortgages.
- Maintained a closing ratio of 75% for first rate lock date.
- Provided support to mortgage bankers and underwriting terms with timely and accurate processing.
Lead Processor
Rapid Processing
DeSoto, Texas
01.2001 - 01.2009
- Managed all operations of loan processing.
- Developed and trained employees on the policy and procedures for processing loan files.
- Reviewed and performed underwriting of loan files following regulatory guidelines.
- Gathered and cleared loan stipulations.
- Ordered and reviewed appraisal documents.
- Cleared title items and prepared closing documentation.
- Results: Maintained pipeline of closing over 25 loans per month.
Sales/Operations Manager
Regional Health Supply, Inc.
Arlington, Texas
01.1995 - 01.2001
- Managed/Formulated Company's first sales team.
- Developed job descriptions; recruited and interviewed personnel; hired a diverse group of individuals; devised Company's target market; developed territorial analyses; prepared sales projections; established quotas; planned and administered sales budget; maintained profit/loss responsibility for the sales force.
- Results: Exceeded corporate sales objective by 160%; increased market presence by 350%; increased customer base by 300%; increased corporate revenues by 200%.
- Implemented a new corporate information system.
- Performed assessment analysis of current business practices; conceptualized needs for future growth and expansion; wrote Company's RFP; reviewed vendor's proposals; negotiated contractual terms; obtained project funding; executed implementation of system with minimal disruption to the existing business environment.
- Results: Company realized a 68% reduction in overall corporate inefficiencies and a 38% increase in employee productivity.
- Conceptualized and Directed Company's stockless distribution program.
- Researched and evaluated methods used by other distributors; investigated customer needs and requirements; established materials and facilities requirements; formulated funding requirements; oversaw execution of the program.
- Results: Company awarded a five year, $75 million stockless distribution contract.
- Planned and Executed Company's partnership agreements with suppliers.
- Contacted suppliers for product distribution; negotiated product pricing; formulated favorable payment and sales tracing terms.
- Results: Increased Company's supplier portfolio by 600%.
- Evaluated Company's procurement and logistic processes.
- Reviewed current procurement environment; analyzed logistic errors; produced documented procedures; trained personnel on new program; executed new control procedures.
- Results: Company obtained 99% accuracy rate in shipping and receiving processes; decreased overall inventory value by 25%; increased inventory cycle times by 33%.
- Realized cost savings of $250,000 in the first three months.
- Achieved growing the Company from less than $500,000.00 annually to over $40,000,000.00 annually.
Skills
- Lending & Underwriting Guidelines
- Credit & Income Analysis
- Cash-Flow Analysis
- Risk Assessment
- Loan-to-Value Ratios
- Debt-to-Income Ratios
- Conventional & Government Mortgages
- Conforming & Nonconforming Loans
- ARMS
- Loan Closing, Funding & Documentation
- Account Service Excellence
License
JoElla Dirina Dabney, 1985196, 03/27/23, 03/31/25, Adjuster - All Lines, Texas Department of Insurance
Key Skills Summary
- Loan Origination
- Program Development
- Customer/Vendor Relations
- National Accounts
- Policies & Procedures
- Project Management
- Sales Administration
- Training Development
- Purchasing
- Profit & Loss Management
- Distribution & Logistic
- Business Development
Timeline
Home Loan Specialist III
PennyMac Loan Servicing, Inc.
01.2016 - 05.2022
Senior Loan Processor
Areotek
01.2009 - 01.2010
Lead Processor
Rapid Processing
01.2001 - 01.2009
Sales/Operations Manager
Regional Health Supply, Inc.
01.1995 - 01.2001