Larona Brown
Longview,WA
Summary
Results-driven Credit Specialist experience in running credit applications to assist with loan portfolios. A sharp employee skilled in scrutinizing financial data and analytics. Ready for a new position where a financial background can be best utilized.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Credit Specialist II
Wilcox and Flegel
Longview, WA
06.2022 - Current
- Processing credit applications evaluate business and consumer credit reports
- Set up AR accounts for Commercial and Retail Accounts
- Review customer accounts and buying patterns, advise on the appropriate steps and course of action, when determining credit worthiness and ongoing credit exposure and risk tolerance
- Assist with collections and customer communication on past due balances
- Monitor and negotiate the collection of overdue customer accounts and aging balances
- Determine when action is needed (i.e., credit suspension or escalation) Assist customers regarding billing issues and other general inquires
- Ensure accurate and timely AR billing.
Mortgage Consultant
Guaranteed Rate
Chicago, IL
04.2021 - 11.2021
- Ensure that all credit and disclosure packages were completed
- Order all third-party documents including Appraisal, Homeowners insurance and Title reports for FHA, VA, USDA, FNMA, FHLMC programs
- Submitted completed loan files to underwriting for decision
- Navigate multiple computer systems, applications, and utilize search tools to find information
- Document loan file within Encompass.
Senior Loan Processor
Life Mortgage
Longview, WA
03.2020 - 03.2021
- Provide highly skilled assistance in the processing of residential mortgage loans
- Ensured that all credit packages and disclosure packages meet quality and regulatory standards
- Order property and loan documents attained information needed to evaluate asset and income data
- Solid knowledge of FNMA, FHLMC, FHA, VA, Knowledge of State sponsored down-payment and other assistance programs including USDA
- Successfully documented loan file within Encompass.
Home Loan Processor II
Red Canoe Credit Union
Longview, WA
05.2018 - 03.2020
- Reviewed initial loan approval, ordered all required documentation, including appraisal, title commitment, insurance binders and flood determinations
- Ensure all underwriting conditions are satisfied
- Communicate with other professionals, including title/escrow companies, appraisal companies and Insurance agents
- Documented loan file within Mortgage Cadence.
Loan Processor Coordinator
Unitus Community Credit Union
Portland, OR
01.2017 - 05.2018
- Assign new loans to Mortgage Relationship Officers and Processors, ensure initial disclosures sent out in compliance with state and regulatory standards, order documentation for loan files, including Title commitments, appraisals, insurance policies and flood determinations, identify missing/incorrect documentation in loan file, complete pre closing verifications and other tasks, duties, responsibilities as needed.
Mediation Specialist
Wells Fargo Home Mortgage
Vancouver, WA
11.2013 - 07.2016
- Answer inbound inquiries from attorneys/borrowers regarding status of the loss mitigation, loan Modification, short sale and foreclosure process
- Interview borrower to understand specific situation, identify and request the appropriate documents required for loan modification review
- Access information on multiple systems to inform borrowers/attorneys of loan terms, important dates, deadlines, options and next steps.
Consumer Loan Underwriter II
Wells Fargo Home Mortgage
Beaverton, OR
09.2012 - 10.2013
- Evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of applicable ratios (i.e., Debt ratios, loan-to-value) using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, staying abreast of any changes in underwriting revisions.
Customer Service Representative
Wells Fargo Home Mortgage
Beaverton, OR
03.2011 - 09.2012
- Identified, reviewed and communicated solutions for home equity line or loan customers that are nearing or at the end of draw period, maturing or have matured
- Responsible for inbound and outbound calls
- Reviewed applicable ratios (debt ratio, loan-to-value)
- Evaluated and examined transactions to ensure accuracy and completeness
- Informed existing customers of programs, rates, policies, underwriting requirements and loan procedures
- Answered oral and written inquiries, resolved problems, and promoted products and services
- Responded to routine to complex inquiries and complaints from customers
- Assisted with projects and tasks as assigned
- Contacted customers and partners to gather information to make appropriate decisions
- Navigated through multiple systems while providing resolution for the customer.
Home Loan Processor
Wells Fargo/Account Temps
Portland, OR
06.2010 - 02.2011
- Responsible for performing a variety of loan documentation duties, using comprehensive knowledge of policies and procedures for loan products
- That included: processing, closing and compliance for loan products, interpreting policies while analyzing applicant, property and documentation; ordering all required verifications, documentation and subsequent follow ups.
Education
Some College (No Degree) - Real Estate Finanace
Solano Community College
Fairfield, CASkills
- Best Practices - Always putting the client/customer first
- Consumer Credit Knowledge - 20 years analyzing consumer and commercial credit reports and financial stability
- Effective Communication - Excellent in communicating with all levels of management and consumers
- Data Analytics - Several years of reviewing all types of raw data to make sound business decisions
- Loan Application Processing -Several years ro reviewing consumer home loan application from submission to closing and post closing
Accomplishments
I received several awards for top performing Underwriter of the month and year.
Certification
- Licensed Notary for the state of Washington.
Timeline
Credit Specialist II
Wilcox and Flegel
06.2022 - Current
Mortgage Consultant
Guaranteed Rate
04.2021 - 11.2021
Senior Loan Processor
Life Mortgage
03.2020 - 03.2021
Home Loan Processor II
Red Canoe Credit Union
05.2018 - 03.2020
Loan Processor Coordinator
Unitus Community Credit Union
01.2017 - 05.2018
Mediation Specialist
Wells Fargo Home Mortgage
11.2013 - 07.2016
Consumer Loan Underwriter II
Wells Fargo Home Mortgage
09.2012 - 10.2013
Customer Service Representative
Wells Fargo Home Mortgage
03.2011 - 09.2012
Home Loan Processor
Wells Fargo/Account Temps
06.2010 - 02.2011
Some College (No Degree) - Real Estate Finanace
Solano Community College
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