Joyce Ashley Lefler
Alexis,NC
Summary
Results-driven with strong performance as a Mortgage Professional with strength in time management, examine Investment ratings and apply Investment risk policy. Proactive coach with strengths in communication and collaboration. Proficient in leveraging management skills and adept at managing concurrent objectives to promote efficiency and influence positive outcomes. Cross-Selling Carriers products. Hardworking and reliable with strong ability in fraud detection and communicate with mortgage professionals. Offering critical thinking, complex problem-solving and analyze financial risk, highly organized, proactive and punctual with team-oriented mentality.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Remote Insurance Agent, Sales & Policy Servicing III
TTEC - USAA Platform
Concord, NC
06.2022 - Current
- Inbound calls from 15-30 prospects each day, conduct cold calling and prospecting, and utilize upselling techniques to achieve 125%-140% of monthly sales quotas, writing AUTO business.
- Manage consultations to identify client needs, financial goals, and resources
- Develop a coordinated protection plan for immediate coverage and long-term strategy
- Cross-selling and upselling additional company products to existing clients
Subject Matter Expert (SME)
Mutual Of Omaha
Charlotte, NC
07.2020 - 05.2022
- Mentoring new sales agent's, provide help and guidance for agent's who are facing different professional challenges
- Notice agent's strengths and instruct them how to make the best out of their strengths
- Offering inside sales training and best practices
- Discuss remote selling techniques and tools with agent's
- Scheduling weekly check-ins with agent's to discuss objectives and areas of the sales process they're less confident in
- Shadowing or listening to a agent's meeting's or phone's call with a consumer
- Reviewing daily and monthly reporting status
Due Diligence Underwriter
Foote Capital Mortgage
Charlotte, NC
08.2020 - 06.2021
- Responsible for reviewing, analyzing, underwriting, approving and declining, credit requests for high risk and portfolio mortgage products. Maintain policies relationships with sales partners, closers and administrative staff to maximize efficiency within the company.
- Exceeded company requirements for productivity and quality 90% of the time.
- Served as site specialist for reviewing homeowners and flood insurance
- Review of appraisals for errors or omissions
- Responded to individual or investor audits and meet required productivity with a high level of accuracy.
- For Decision Finder, FNMA and LP approved transactions, analyze transactional areas of the file to include appraisal, title, fraud detection and purchase contract to ensure conformity with automated guidelines
- Analyze risks and offsets by developing solutions for risks and complex problems; ensure loan quality through data integrity and risk management.
- Reviewed appraisal to ensure compliance with FNMA, FHLMC Guidelines
- Handled calls from Home Loan Processor and Home Mortgage Consultants regarding underwriting decisions.
- Maintained 30-40 loan pipeline of conventional full-doc, refinances and purchases while consistently closing 20+ per month Utilized Encompass (LOS)
Independent Life & Health Insurance Agent
Mutual Of Omaha
Charlotte, NC
07.2019 - 07.2020
- Interacts with prospective members through education and assists with any enrollment needs; plans and prioritizes personal sales activity and customer and prospect contacts to meet departmental goals; represents the plan at various community events, marketing sites, and customer home visits
- Develop and present product presentations to educate and sell the Medicare products to customers; develop relationships with clients, referral partners, or centers of influence to obtain personal introduction to prospective clients; establish and maintain key relationships within designated territory to generate potential enrollment opportunities
- Identify and coordinate community events; represent the Plan at Community Events and Marketing Site locations
- Answer product and/or service questions; suggest features and benefits about Medicare products and services to attract potential customers
- Complete all necessary paperwork, documentation, and follow-up in accordance with Case Management Specialist (CMS) guidelines
- Screen applicant eligibility; review and validate documentation necessary for enrollment into sponsored Health Insurance Programs
- Establish contact; assess an individual's healthcare needs and concerns; establish eligibility; provide overview of organizational mission; effectively and clearly present benefits of products in accordance with all governmental regulations; review documentation requirements and schedule follow-up appointments
- Broker's and Internal client regarding all aspect's of Life Fixed - Indexed Fixed Annuity
Due Diligence Underwriter
Homestar Financial
Charlotte, NC
10.2016 - 07.2019
- Responsible for underwriting residential mortgage loan requests to determine if the request adheres with applicable requirements and guidelines held by our company and investors, as well as all meets federal regulatory guidelines.
- Reviewed and verified all documentation associated with mortgage originations including but not limited to: income, asset, credit, appraisal and title information, for accuracy and any possible misrepresentation, omissions or red flags.
- Effectively communicated required conditions to the branch/division and assists where possible to expedite final approval of each file.
- Utilized Encompass (LOS)
Subject Matter Expert (SME)
Accenture Credit Services
Charlotte, NC
09.2015 - 09.2016
- Mentoring new sales agent's, provide help and guidance for agent's who are facing different professional challenges
- Notice agent's strengths and instruct them how to make the best out of their strengths
- Offering inside sales training and best practices
- Discuss remote selling techniques and tools with agent's
- Scheduling weekly check-ins with agent's to discuss objectives and areas of the sales process they're less confident in
- Shadowing or listening to a agent's meeting's or phone's call with a consumer
- Reviewing daily and monthly status reports
Due Diligence Underwriter
Accenture Credit Services
Charlotte, NC
06.2014 - 09.2015
- Participated in multiple projects to pilot new and improved processes within the company
- Advanced cash-flow analysis of Individuals, S-Corps, C-Corps, Partnerships, Rental Properties, and Trusts
- Maintained 100% quality in 2014 year to date and above 98% in 2013 while exceeding 100% in production standards among peers
- Received Superior Achievement Award in 4th quarter of 2015
- Gathered documents for loan approval and the SASE level ability to clear level one conditions
- Utilized EDGE (LOS)
Loan Processor III
Accenture Credit Services
Charlotte, NC
06.2013 - 06.2014
- Managed intake and processing of home refinance loans from underwriting to closing
- Maintained 30-40 loan pipeline of conventional full-doc, HARP, refinances while consistently closing 20+ per month
- Managed top levels of customer service with borrowers; repeatedly earned monthly awards given for top customer service
- Provided support to loan originator and underwriting departments
- Researched and reviewed income, HUD-1, credit, employment, appraisals and property information
- Utilized EDGE (LOS)
Senior Loan Officer
Capital Conversions Corporation
Charlotte, NC
09.2001 - 05.2013
- Closed 18 million dollars in production in a 14 month period.
- Designed and implemented Realtor marketing database that improved branch production by 30%.
- Maintained a successful team of Loan Officers, closing approximately 40-50 loans a month ($20K month).
- Responsible for originations of new mortgage applications. Gathered necessary information/documentation from clients (W-2, Tax Returns, IRS Transcripts, Bank Payoff's and Title Reports, etc.) while optimizing corporate resources.
- Originated Jumbo loans ranging over $1 Mil.
- Utilized Encompass (LOS)
Education
High School -
North Mecklenburg High School
Huntersville, NC06-1988
Skills
- Inbound and Outbound Calling
- Self Starter
- Leadership and Coaching Skills
- Outstanding Communication
- Results Driven
- Fast Learning
- MS Office environment (Outlook, Word, Excel, PowerPoint)
- Experience using video and chat technology (MS Teams & Slack)
Certification
- North Carolina Insurance Agent, 2019 (#15808934)
- Life, Health, Medicare
- General Lines (Property & Casualty)
- Superior Real Estate School of North Carolina
- North Carolina Real Estate License 365798
Timeline
Remote Insurance Agent, Sales & Policy Servicing III
TTEC - USAA Platform
06.2022 - Current
Due Diligence Underwriter
Foote Capital Mortgage
08.2020 - 06.2021
Subject Matter Expert (SME)
Mutual Of Omaha
07.2020 - 05.2022
Independent Life & Health Insurance Agent
Mutual Of Omaha
07.2019 - 07.2020
Due Diligence Underwriter
Homestar Financial
10.2016 - 07.2019
Subject Matter Expert (SME)
Accenture Credit Services
09.2015 - 09.2016
Due Diligence Underwriter
Accenture Credit Services
06.2014 - 09.2015
Loan Processor III
Accenture Credit Services
06.2013 - 06.2014
Senior Loan Officer
Capital Conversions Corporation
09.2001 - 05.2013
High School -
North Mecklenburg High School