Loan Servicing Administrator
Bay State Savings Bank
28 Franklin St Worcester, MA 01608
11/09/2022-03/24/2024
· Executing and processing discharge and lien releases of mortgages
· Manage tax portfolio for bank to ensure accurate and timely payments
· Establish and manage all escrow accounts within bank portfolio
· Reconcile and balance GL accounts
· Process daily reports for investor and borrower payments
· Respond to all telephone inquiries, assist all patrons with problem resolutions or concerns
· Monitor all collections, delinquent and past due accounts
· Input customer data accurately and quickly
· Make consistent and sound decisions involving verification of documents and funds
· Sustains current work knowledge of all internal policies and procedure, as well as regulatory
· requirements
· Conduct internal audits of accounts and files at random for quality control
Non Delegated Loan Operations Review Specialist
Homepoint Financial
2211 Old Earhart Rd, Ann Arbor MI 48105
02/22/2021-10/26/2022
· Review closed loan package submitted by correspondent lenders, using Checklist, and
· Compliance Ease tool to ensure all agency and regulatory standards are met.
· Collect and review Title Policies, Recorded Mortgages, and disclosures for accuracy
· Identify deficiencies in portfolio
· Adhere to state and federal requirements
· Complete compliance review of TRID, QM
· UCD verification
· Effectively communicate discrepancies verbally and in writing
· Ensure loans are insured/guaranteed in required timelines
· Meet service level premiums
· Perform due diligence to approve funding
· Calculate and confirm escrow accuracy
· Follow up on all final documents, requests, corrections, and requirements from Investor
· Account for all required loan documents, signatures, and disclosures
· Update and input loan specification in Encompass
· Match and index loan documents in AIQ
· MERS
Escrow Servicing Specialist
Dime Bank
290 Salem Tpke Norwich, CT 06360
10/15/2019-9/17/2020
· Accurately process tax payments/disbursements
· Manage delinquent tax portfolio
· Responsible for preparation and reporting to committees for monitoring
· Perform general ledger maintenance of servicing files
· Provide customer service support by handling phone calls and written correspondence of all
· inquiries; both internal and external
· Audit all loans with escrow
· Strict adherence to all banks polices regarding, security, confidentiality, and compliance
· Accurate reporting for suspense, non-posted, and all disbursement balancing
· Verify validity of payments
· Process Construction loan modifications and disbursements
· Annual analysis
· Provide assistance and information to all departments and staff as needed
· Efficient and accurate maintenance of all files and documents within compliance
· Courteous and cooperative service to all internal and external customers, attorneys, and
· vendors
Electronic Banking Administrator – Debit Cards & Fraud
Savings Institute Bank & Trust
803 Man St Willimantic, CT 06226
10/29/2018 – 05/17/2019
(Promotion)
· Oversee all aspects related to debit card fraud research and Reg-E complaints
· Answer telephone inquiries from customer, branches, vendors, and department personnel
· Act as a primary contact for debit card projects and coordination with key vendors
· Communicate and correspond effectively with customers and bank personnel regarding
· adjustments to customer accounts
· Transaction accuracy and daily balancing
· Review daily card activity to mitigate loss in fraud activity
· Manage debit card portfolio for all card agreements, restrictions, and blocks
· Analyze information, trends, and patters to prevent a compromise or breach
· Review of daily reports and account balancing
Loan Servicing Representative
Savings Institute Bank & Trust
803 Man St Willimantic, CT 06226
10/02/2017 – 10/29/2018
(Promotion)
· Identify inefficiencies to improve all procedures and departmental tasks
· Fund new loans, process modifications, payments, fees and balance transactions
· Resolve all internal and external borrower inquiries
· Implementation of new products and services in coordination with other departments
· Review monthly and quarterly reports for reconciliation
· Prepare duplicate forms, legal documentation, and disclosures
· Research, correct, and adjust all account discrepancies.
· Ensure all servicing requirements adhere to in accordance with policies and regulation
· Process all commercial, consumer, residential, and government loans
· Disburse construction loan funds
· Draft loan disclosures and welcome letters
· Apply payments, disbursements, and advancements
Assistant Manager- Loan Servicing
Savings Institute Bank & Trust
803 Man St Willimantic, CT 06226
05/16/2016 – 10/02/2017
(Promotion)
· Supervise daily department functions and oversee activities/operations
· Facilitate bank examinations with internal/external auditors, and regulatory agencies
· Assign, train, schedule, and supervise personnel.
· Conduct interviews, coaching, and performance evaluations
· Assess, design, and improve department fundamentals
· Disaster Recovery Committee Member
· System Administrator for vendor software
· Manage Bank Food Portfolio
· Ensure completion of all requirements by department staff
· Monitor internal policy compliance
· Review department budget
· Ensure proper interpretation and implementation of all requirements
· Review and process employee timecards/payroll
· Create and maintain department processes and procedures
· Review and approve all wire transfers
Senior Loan Administrator
Savings Institute Bank & Trust
803 Man St Willimantic, CT 06226
01/04/2016 – 05/16/2016
(Promotion)
· Activate, terminate, and fund insurance
· Disburse all escrow items to applicable insurance parties and municipalities
· Prepared short year escrow statements in accordance with regulations
· Manage portfolio for Real Estate Taxes, PMI, Hazard, and Flood Insurance in conjunction with
· maintaining accurate records and balancing
· Internally audit loans and insurance coverages for adequacy and compliance
· Provide additional customer service support with other departments for resolutions
· Liaison to core software platform service for annual and year end reporting
· Handled electronic wires/transfers and reconciliation of GL accounts
· Activate and terminate FHA, USDA/RD, Genworth, and other PMI
· Request and oversee all tax bills and remittances
Quality Control Representative
Savings Institute Bank & Trust
803 Man St Willimantic, CT 06226
03/02/2015 – 01/04/2016
(Promotion)
· Monitor quality control processes and procedures
· Daily rate changes, review of payoff quotes, document preparation for attorneys/internal
· request, backup withholding processing, and master file reviews
· Review fee and file maintenance transactions
· Respond to customer and bank inquiries
· Perform proactive quality control audits for residential and commercial loans
· Confirm UCC tracking and termination
· Review, track, and assemble loan files, disclosures, and letters
· Communicate with internal and external parties to obtain and confirm documents and status
· Resolve a variety of simple and complex banking inquiries
· E-Oscar reporting
· PIC loan recording
· Trained and cross-trained peers and new hires
Senior Bank Teller
Savings Institute Bank & Trust
536 Providence Road Brooklyn, CT 06234
01/06/2014 -03/02/2015
· Appointed as “New Teller Trainer” for all new hires
· Maintain Federal and State regulations
· Loan Processing, ATM balancing, Deposit Operations, Fund Reconciliation
· Market and cross-sell a vast array of services and products to existing and potential customers
· Provide exceptional customer service while processing transactions and requests
· Responsible for opening and closing branch office
· Maintain knowledge of bank services and solutions
· Process customer transactions, deposits, withdrawals, and payments
· Handle line of credit and escrow requests
