Krissy Timmons
Lansing,KS
Summary
Task-oriented professional with extensive experience in business-to-business sales and account management. Proven ability to drive results through effective organizational and interpersonal communication skills. Dynamic leadership capabilities demonstrated in various team environments. Authorized to work in the US for any employer.
Overview
23
23
years of professional experience
Work History
Reporting and Licensing Specialist
Community America Credit Union/TruHome Solutions
Lenexa, KS
07.2013 - Current
- Responsible for all loan officer state licensing, determining education and setting up courses through a tracking of pre-license education requirements.
- Overseeing all National Mortgage Lending System functions, continuing education, training for all loan officers, processors, and underwriters on the process of licensing and reporting to the state regulators.
- Provide packet material for all states including step by step instructions on filing and maintaining licenses with all study materials and additional information requested
- Ordering and maintaining all criminal background checks with finger prints for all states.
- Company licensing for each state and gathering research material, surety bonds, E & O insurance to remain in compliance with all Reg Z, HMDA, and Fair Lending. Creating procedures for all licensing and maintaining industry changes
- Running HMDA reports and quality control check for files in the Encompass system for accuracy.
- Scrubbing and collecting files for State Exam requirements to submit for company review.
Universal Banker
CapWest Mortgage
Overland Park, KS
10.2010 - 07.2013
- Quality Control/Compliance
- Appraisal Desk Coordinator
- Set Up Team/Processing
- Universal Banker: Calling leads, collecting borrower financial and credit information.
- Analyzing loan files to include, credit, income, asset and property evaluation to determine feasibility of granting loan; recommend loans within established guidelines. Submitting initial disclosures, change of circumstance and re-disclosures to borrowers, maintaining availability to walk borrowers through each disclosure, physical and electronic signing. Working closely with the underwriting team to clear any stipulations and communicate to the borrower to what is needed to ensure a smooth closing.
- Set Up/Processing: Scrubbing of loan files, ordering title, payoff, insurance, calculating income and file distribution to processing and underwriting teams meeting all expected daily and monthly goals, coordinating closing with title, point of contact for all borrowers and requesting additional information as needed
- Appraisal Desk Coordinator: Provide outstanding customer service to the loan production team, management, underwriting and processing teams for all appraisal needs
- Worked closely with AMC's for ordering initial appraisals and revisions, quality control of the appraisals and prioritizing in house deadlines to ensure smooth and timely closings, being available to help all staff with questions and concerns
- Quality Control/Compliance Assistant: Analyze entire loan file for company compliance and regulation as well as Fair Lending, Reg Z and Flood. Conduct audits and random sampling of loan files, reporting of findings with review, assisted examiners with loan file requests and auditors on site, worked directly with the Compliance
- Officer in maintaining all procedures/policy were followed
- Adverse Action processing, Disclosure overview and Statement of Denial Letters to borrowers, Application
- Disclosure Report submission to production team and sales managers, internal customer service to all staff for compliance needs. Designed and implemented the Disclosure tracking system for all loans through reporting and Encompass to remain in compliance.
Regional Account Manager/Onsite Training Consultant
Park University Enterprises/Fred Pryor Seminars
Overland Park, KS
05.2007 - 08.2009
- Duties include outbound sales calls, customer needs analysis, matching services with needs, onsite presentation of training solutions to clients, contract negotiations, lead closing, customer service
- High level of strategic business thinking, put together customized training curriculum for clients
- Implemented internal training for entire sales team in contract negotiations, new product knowledge, lead generation and customer satisfaction
Mortgage Consultant
Allied Home Mortgage Capital Corporation
Overland Park, KS
09.2005 - 05.2007
- Assist the underwriting department with the loan process to ensure smooth closing
- Processing of loan files
- Recommendation of loans after credit and income analysis, educating borrowers on findings
- Generated 50% of leads through outside sales and cold calling
Team Lead/Appeal Coordinator
AccessMED, Inc
Overland Park, KS
02.2003 - 05.2006
- Managed the daily operations for the Schering Plough Oncology Patient Assistance Program
- Successfully designed and implemented the Standard Operating Procedures for the program
- Leadership liaison among team members and upper management
- Conducting Administrative Law Judge hearings to present our case to have Medicare patient denials overturned.
- Achieved 95% of successful appeals in this process
- Worked closely with Oncologists and patient insurance companies to obtain medical records for pathology reports and tumor markers along with current treatment plan.
Education
Communication
Emporia State University
Emporia, KS08.1998
Applied Science/Business
Highland Community College
Highland, KS05.1998
Skills
- Licensing compliance
- State regulations
- HMDA reporting
- Quality control
- Customer relationship management
- Process improvement
- Effective communication
- Problem solving
- Team collaboration
- License management
- Professionalism
- Multitasking
- Organizational skills
- Decision-making
- Mortgage Lending
- Researching skills
- Deadline management
- Self motivation
Additional Information
- RELEVANT SKILLS
- Attained CEU credit hours in the following courses: Time Management, Coaching and Team-Building, Human Resource Development, How to Communicate with Tact and Professionalism, Microsoft Office, Business Writing, Project Management, Negotiations, Sales Training, Leadership Skills, Excelling at Customer Service
Timeline
Reporting and Licensing Specialist
Community America Credit Union/TruHome Solutions
07.2013 - Current
Universal Banker
CapWest Mortgage
10.2010 - 07.2013
Regional Account Manager/Onsite Training Consultant
Park University Enterprises/Fred Pryor Seminars
05.2007 - 08.2009
Mortgage Consultant
Allied Home Mortgage Capital Corporation
09.2005 - 05.2007
Team Lead/Appeal Coordinator
AccessMED, Inc
02.2003 - 05.2006
Communication
Emporia State University
Applied Science/Business
Highland Community College