Keisha Simmons

 Send out billing notices  Respond to all client requests via email.  Assisted team members with workload and backlog.  Train new employees on workflow process.  Engaged with clients during monthly meetings to strengthen relationships and ensure satisfaction.  Perform thorough analysis of applicant's insurance and update  Researched and addressed management escalations to facilitate prompt resolution of client concerns.  Keep track of errors and reporting for team.Manage mortgage billing queues for mortgage, flood and hazard insurance.  Manage mortgage billing queues for mortgage, flood and hazard insurance .  Outbound sales verification calls and follow-up.  Respond to all client requests via email.  Assisted team members with workload and backlog.  Train new employees on workflow process.  Attend monthly client meetings  Research and respond to Management escalations.

Analyzed loan applications to assess risk and ensure compliance with company policies.

Collaborated with clients to gather necessary documentation for mortgage processing.

Reviewed credit reports and financial statements to determine borrower eligibility.

 Managed and resolved 4-7 files daily.  Manage and resolve client requests efficientlys (ie, processor, loan officer/consultant, CHLmanagement request)  Review appraisal reports to identify and resolve any discrepancies discovered within review.  Experience managing whole loans, securitized assets, Freddie and Fannie Mae, HELOC, Condo able to stay abreast of guidelines and any updates  Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to affirm borrower qualifies for loan  Conduct research and respond to offshore inquiries, UW/TL/Management.  Update and correct qualifying ratios calculated qualifying ratios, determine creditworthiness; provide risk opinions

 Assure that once all information is received it is accurate, it meets compliance standards, and it
aligns with company policies
 Lead to. Manager and assist with feedback, quality and escalations
 Post -closing auto daily checks.
 Conduct training as requested., shadow sessions
 Ensure all defects sent to the. Correct parties, and. Loop in management.
 Verify mortgage applications including supporting documents to be certain they contain all
pertinent information for loan approval
 Resolved backlog and or processing issues for program companies.
 Resolved pre- and post-closing issues as they relate to underwriting
 Provide necessary documentation/communication regarding approval or rejection of loans to
loan officers
 Send requests as needed for any additional information that will help determine loan risk
 Search clients’ employment and financial histories thoroughly to determine accuracy of all
documentation
 Facilitated weekly team meetings, attended leadership meetings
 Assisted in managing a team of 15 reps
 Perform income including complex self-employment, assets, credit and property analysis on
conventional loan files submitted within the time frame established by departmental
management

Self-motivated, with a strong sense of personal responsibility.

Worked effectively in fast-paced environments.

Skilled at working independently and collaboratively in a team environment.

 Manage, mentor, train and provide correction to a team of 10-15 offshore reps.  Respond to all client requests (ie, processor, loan officer/consultant, CHL management request)  Review appraisal reports to identify and resolve any discrepancies discovered within  Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to affirm borrower qualifies for loan  Researched and responded to inquiries from offshore, UW, TL, and management to ensure timely resolution of issues.  Calculate qualifying ratios, determine creditworthiness; provide risk opinions  Assure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies  Resolve escalated issues, final loan approval files. Post -closing auto daily checks.  Conduct training as requested. By management  Served as point of contact for all loan levels, addressing inquiries and providing necessary updates. (Answer questions, and update files with corrections)  Ensure all defects sent to the. Correct parties, and. Loop in management.  Verify mortgage applications including supporting documents to be certain they contain all pertinent information for loan approval  Assist TL/Management with all urgent issues and requests.  Facilitated weekly team meetings, initiated PIP plans with team members, and participated in client calls  Answer broker emails with team members. (a part of leadership queue to assist team members with questions)  Provide necessary documentation/communication regarding approval or rejection of loans to loan officers  Requested further documentation to assess loan risk  Search clients’ employment and financial histories thoroughly to determine accuracy of all documentation  Perform income including complex self-employment, assets, credit and property analysis on conventional loan files submitted within the time frame established by departmental management  Perform timely reviews of conditions submitted as well as loan re-submissions  Analyze challenging loan packages to render sound credit solutions

Evaluated loan applications to determine creditworthiness and compliance with lending guidelines.

Analyzed financial documents, ensuring accuracy and completeness for underwriting decisions.

Collaborated with loan officers to clarify borrower information and resolve discrepancies.

2017- October 2020  Review loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents; Supported various financial analyses, including valuations and merger consequences  Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents  Review appraisal reports to identify and resolve any discrepancies discovered within  Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to affirm borrower qualifies for loan  Calculate qualifying ratios, determine creditworthiness; provide risk opinions  Assure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies  Verify mortgage applications including supporting documents to be certain they contain all pertinent information for loan approval  Provide necessary documentation/communication regarding approval or rejection of loans to loan officers  Sent requests for additional information to determine loan risk  Search clients’ employment and financial histories thoroughly to determine accuracy of all documentation  Perform income including complex self-employment, assets, credit and property analysis on conventional loan files submitted within the time frame established by departmental management  Perform timely reviews of conditions submitted as well as loan re-submissions  Analyzed challenging loan packages to provide informed credit solutions  Conducted comprehensive credit analysis to evaluate borrower risk and loan eligibility.

Evaluated risk factors and determined underwriting guidelines for diverse insurance products.

Collaborated with agents to assess applications and ensure compliance with regulatory standards.

Mentored junior underwriters, providing training on best practices and industry changes.

HR SME Group LLC  Created full cycle recruitment pipelines for clients across multiple industries. .  Business development and sales calls to maintain and manage new clients and accounts .  Developed and led graduate and recruitment initiatives, enhancing talent access for partner organizations.  Implemented policies that improved HR operations, achieving full compliance and optimized workflows.

 Delivered performance management , Provided employee relations support to address workplace issues. , and leadership coaching across multiple departments & COE.  Led special projects and internal branding campaigns , increasing organizational visibility .  Worked closely with ministry leaders to provide coaching, guidance and continuous feedback.  Conducted briefings and ministry meetings for internal employees and external volunteers.  Productively served as a Managed special projects to ensure timely delivery and alignment with goals. for special assignments.  Provided Recruiting initiatives & resourcefully assisted with organizational branding campaigns.  Efficiently identified and updated futile systems/processes to ensure streamlined process flows.  Effectively delivered Employee Relation (ER) assistance & Performance Improvement Plans (PIP).