Kimberly Tracy
Cedar Bluff,AL
Summary
Hardworking professional with over 30 years of assisting clients, scheduling payments and reviewing credit histories. My goal is to find full time employment to utilize my knowledge, creativity, and flexibility to enhance the company’s mission. My strengths are punctuality, dependability, loyalty, ability to learn new skills, and willingness to assist others and to take on added responsibilities to meet team goals. Highly skilled Loan Specialist with expertise in data accuracy and security. Knowledgeable in all credit procedures. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
15
15
years of professional experience
Work History
Loan Specialist III
PNC Loan Support Analyst – RL
10.2021 - Current
- Provide payoff quotes requested by customer, Third party and or other lines of business inside and outside the organization showing the remaining balance on a mortgage or HELOC loan.
- Maintained strict confidentiality of bank records and client information.
- Process a termination request which includes closing and freezing draw privileges
- Order letters in MSP, respond to emails
- Works various control reports to adhere to regulatory guidelines
- Also work exception queue where the payoffs are rejected by the IVR
- Worked with MSP LOC/SPECIAL SERV Team working the overflow of the FRL’s which involves setting up new or removing.
- Answered customer support inquiries via specialized ticket tracking platforms.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Loan Specialist III
BBVA Compass Bank
09.2016 - 10.2021
- Prepare Transportation letter for customers being Deployed or traveling on vacation to other countries
- Prepare Indemnity letters for lost overpayment checks
- Reissue and place stop payments on overpayment checks not received by customers
- Research payment posting items, include but are not limited to auto debit issues, misapplied or missing payments.
- Research booking and loan modification issues, include but are not limited to initial loan funding, incorrect name and address, incorrect term or maturity date, incorrect rate, etc
- Provide copies of transactions to customers such as payments or other monetary items
- Maintained strict confidentiality of bank records and client information.
- Calculate actual loan balances and accruals via Excel Spreadsheet or manual calculations due to customer dispute for payment postings (splits), interest accrued, and payoff amounts
- Respond to internal and external customer service inquiries, questions and issues related to consumer and real estate loans
- Assist customer in a timely, accurate, and professional manner.
HPS
Wells Fargo
10.2009 - 10.2015
- Processed mortgage refinance applications.
- Verification of employment, title vesting,payment history and 2nd liens.
- Review application information with the borrower,
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Reached out to borrowers to discuss current status and loan workout options.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Helped customers navigate options to maintain homeownership.
- Assessed clients' financial data to determine loan suitability.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
Education
Computer Science
Jefferson State Community College
Birmingham, ALHigh School Diploma -
Hueytown High School
Hueytown, AL05.1991
Skills
- Knowledgeable in using Word, Excel, Internet
- Excellent background in Commercial and Real Estate Loans, Bond, and CD processing
- Experience in Mortgage Loans processing
- Loan Origination
- Customer Support
- Telephone and email etiquette
- Real Estate Loans
- Loan Processing and Servicing
- Customer Assistance
- Written and verbal communication
- Works well independently
- Excellent teamwork
Timeline
Loan Specialist III
PNC Loan Support Analyst – RL
10.2021 - Current
Loan Specialist III
BBVA Compass Bank
09.2016 - 10.2021
HPS
Wells Fargo
10.2009 - 10.2015
Computer Science
Jefferson State Community College
High School Diploma -
Hueytown High School
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