Kristina Christy

I was dedicated to full-time childcare and homeschooling, which included the following responsibilities:

• Project management: Planning and executing homeschooling curriculum throughout the year.
• Managing budgets for educational materials and supplies.
• Time management: Juggling children's learning schedules and household responsibilities.
• Communication: Regular interactions with children, parents, and potential educational support providers.
• Organization: Creating a structured learning environment at home, maintaining student records, learning materials, and homeschooling schedules.
• Adaptability: Adjusting lesson plans and teaching methods based on individual student needs.

• Reported and remitted payments to investors according to investors' guidelines.
• Verified loan count and ensured that monthly beginning balances equaled the prior month ending balances, so that Wells Fargo did not have any missed cut-off dates resulting in penalties.
• Completing all loan transfers that were within control by the end of the month.
• Completing department checklists according to established procedures.
• Maintained a 24-hour turnaround time for customer service with investors, including phone calls, emails, etc.
• Received eight Best Shot Awards and one Team Excellence Award.

• Coordinated loan closings.
• Attention to detail.
• Excellent oral and written communication with brokers, our processing, and underwriting departments.
• Accuracy was extremely important for our loans to close properly. I consistently received 100% on my quality reviews.
• Auditing and funding loans.
• Trained several employees since the site first opened in February 2003.

• Solely responsible for ensuring that the delinquent GNMA pools were maintained below our tolerance level.
• Ensured our delinquency percentage of pools issued within the past 18 months did not exceed 15%.
• This involved collecting outstanding documentation from the lenders that we purchased loans from, county recorder offices for recorded documents, and title companies for title policies and title policy endorsements.
• Responsible for making sure that the errors on the documents were corrected.

• Processed home mortgage loans from the application until close on VA, FHA, Conventional, and Rural Development loans.
• Processed full qualifying assumptions.
• Processed IFA and MCC Assistance loans were also special programs.
• Analyzed loan applications and supporting documents to determine eligibility for approval.
• Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
• Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
• Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
• Explained the various types of loans available and advised on the best product suited for customer's needs.
• Submitted loan applications to underwriting department for review and approval process.

• Provided excellent customer service to resolve customer complaints in a timely manner.
• Answered customer inquiries and provided accurate information regarding products and services.
• Maintained detailed records of customer interactions, transactions and comments for future reference.
• Analyzed escrow accounts and explained shortages and surpluses to our customers.
• Resolved complex problems by working with other departments to provide solutions that meet customer needs.
• Opened and sorted the daily mail for the customer service department.

• Received and distributed incoming mail, messages and packages to appropriate individuals.
• Operated photocopiers and scanners, facsimile machines and personal computers.
• Maintained and updated filing, inventory and database systems, manually or using computer.
• Organized physical files on an ongoing basis to ensure efficient retrieval times.