Kilanda Eferobor

• Collaborated with legal teams to ensure compliance with state and federal regulations during foreclosure proceedings.
• Reviewed allonge documents and prepared them for processing.
• Worked closely with mailroom in assisting in creating an mailing system to get them caught up from the pandemic workload.
• Created allonge as needed based off of signing authority and Power of Attorney (POA) documents.
• Used internal systems to review accounts and documents. (Black Knight, LPS and AIQ)
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• Worked with various departments to assist with workload.
• Reduced processing time for loan applications by effectively prioritizing tasks and managing workload.
• Ensured timely completion of appraisal reports by closely monitoring deadlines and tracking progress.
• Involved in the ordering process of appraisals and assisted with making sure that appraisals were received on time.
• Assisted with our Commercial team in setting up Google Doc systems to track documents received and used platform Box to send completed applications to customers.
• Transitioned into the Loan Processor department.
• Communicated with 3rd party companies to obtain missing documents

• Successfully process some of the most difficult loan applications, such as those from first-time borrowers, self-employed applicants, and borrowers with poor credit. Also cleared title issues such as judgments, liens, and solar energy, as well as tax delinquencies and compliance with state regulations.
• Review loan files for accuracy before sending them to Underwriting for the final review.
• Held a pipeline with over 45+ loans with an average closing of 25 files per month.
• Review supporting documents such as VOE, Title, Appraisal, Transcripts, and more.
• Received highest performer 2 months in a row.

• Effectively applied policy and regulatory requirements to daily responsibilities while managing team activities, inquires, and requests from team members, appraisers, and clients.
• Coordinated and resolved discrepancies or issues arising from third-party orders, ensuring that all necessary information was provided throughout the order request's life.
• Contributed to overall organizational goals by enforcing regulatory standards among team members and external parties following the Uniform Standards of Professional Appraisal Practices.
• Managed vendor relationships to ensure high-quality services were provided consistently while adhering to budget constraints.

Operations Account Representative – (OAR)

• Managed workflow between sales representatives, underwriting, and mortgage clients through prompt one-on-one reviews and periodic performance reviews to ensure that timely services, productivity, and quality goals were consistently met.
• Conducted proactive and effective pipeline management, including training and performance calls, in line with performance expectations, which reduces the aged loans to less than 10% overall.
• Checked completed loan documents for quality control and follow-up.
• Advised clients, recommended loan products, troubleshot all transaction problems and rendered assistants from application to closure.
• Gathered and verified all relevant credit and guarantee information needed to document mortgage loan files for the appropriate product type.

Pre- Purchase Review – (PPR)

• Identified and analyzed the risk and legal liability situations using a variety of resources such as credit reports, scorecards, risk systems, and knowledge of loan products such as FHA, VA, USDA, and conventional.
• Anticipated client needs (internal and external) and generated ideas proactively to deliver innovative solutions.
• Implemented department strategy by employing approaches and processes learned in training to achieve objectives.
• Served as Subject Matter Expert (SME) for Encompass, and assisted other LRA team members with Predicates/Alerts.