Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
References
Timeline
Generic

Lawanda D Mack

Jacksonville,FL

Summary

Loan Review Resolution Specialist proudly offering over 26 years experience in payment scheduling, conducting reviews of credit histories and assisting customers. A valuable employee observant of all data confidentiality rules and regulations. Skilled in developing client relationships and observing closing and credit procedures.

Knowledgeable in a wide range of loan products which includes FHA (Streamline), VA (IRRRL), Conventional, COOP, CEMA, HELOC, ARM etc. Professional in working with different vendors, underwriters, closer, Loan officer and loan processors to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing resolution to bring closed loan to a saleable status.

Communicative and team-oriented with proficiency in BOSS, Microsoft 11, Encompass, VA WebLGY System, VA Funding Fee System and FHA Connection.

Overview

29
29
years of professional experience
1
1
Certification

Work History

Post Closing Loan/Final Document Reviewer

ONE AMERICAN BANK
Jacksonville, FL
07.2022 - 02.2023
  • Reviewed the closed loan file documents to verify completeness and accuracy according to company, federal and state policies guidelines.
  • Identified and resolved document deficiencies found during the review process of the closed loan file.
  • Prepared corrected legal documents and form letters when applicable.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Prioritized and organized tasks to efficiently accomplish department goals.
  • Followed-up weekly on problem loans. Kept a detailed summary on the BOSS tracking system listing the dates and names of those contacted and what is needed to resolve the problem, when applicable.
  • Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
  • Improved operations by working with team members and customers to find workable solutions.

Post Closing Loan Review Specialist

EverBank/TIAA
Jacksonville, FL
01.2009 - 09.2021
  • Reviewed the closed loan file documents to verify completeness and accuracy according to company, federal and state policies guidelines.
  • Identified and resolved document deficiencies found during the review process of the closed loan file.
  • Prepared corrected legal documents and form letters when applicable.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Prioritized and organized tasks to efficiently accomplish department goals.
  • Followed-up weekly on problem loans. Kept a detailed summary on the BOSS tracking system listing the dates and names of those contacted and what is needed to resolve the problem, when applicable.
  • Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
  • Improved operations by working with team members and customers to find workable solutions.
  • Maintained a loan production goal average of 127% - this goal is based on number of loans resolved for ready for sale report.
  • Maintained a loan quality (QC) with a 0% goal average - this goal is based on QC findings, Investor Custodian findings and Final Docs false fails.

Additional TIAA Experience:

Government Insuring - April 2018-2021

  • Paid all mortgage funding fees payments required for VA/FHA loans
  • Checked documentation for appropriate coding, catching errors and making revisions.
  • Reviewed and updated the appraisal logging ans insurance application information in FHA Connection prior to insuring the loan.
  • Review and updated the loan information into the VA WebLGY system prior to insuring/guaranteeing the loan and obtaining the VA Loan Guarantee Certificate.
  • Assisted with developing better tracking and reporting system to assist with timelines to ensure VA/FHA loans were being insured timely and VA/FHA funding fees were paid correctly within the VA/ payment systems.
  • Assisted Investor Suspense Team: Received and prepared closed mortgage loan file for sale to investors. Reviewed documents for accuracy adhering to investor and state requirement and with in pre-determined time guidelines. Also ensured all underwriting conditions where met regarding chain of tile, current credit reports, appraisal and proof of employment.
  • Assisted Final Document Team: Review and resolved Title Policy/Endorsements issue and Recorded Mortgage, CEMA vesting and signature issues.

Mortgage IT/Deutsch Bank

Legal Reviewer III
Jacksonville, FL
11.2005 - 12.2008

Legal Review/High Risk Resolution Specialist

Alliance Mortgage/EverBank
Jacksonville, FL
04.2002 - 10.2005

Loan Support Specialist

Bank of America Equity Loan Division
Jacksonville, FL
08.1999 - 04.2002

Credit Reviewer Specialist II

First Union National Bank/Wachovia
Jacksonville, FL
01.1994 - 08.1999

Education

High School Diploma -

Jean Ribault High School
Jacksonville, FL
08.1976

Skills

  • Knowledge of mortgage loan types includes: Conventional, Ajusable Rate Mortgage, Government(FHA and VA), Jumbo, HELOC, Interest Only, Preferred, CO-OP and Consolidation, Extension, & Modification Agreement (CEMA)
  • Knowledge of closing documents: Note, Mortgage, Closing Disclosure, HUD-1, Title Commitment, Right to Cancel, Insurance, Co-op documents, Flood Determination, PropertyTax documents and UCC's
  • Knowledge of credit documents: Appraisal, 1008, 1003, AUS, VA/FHA loan documents
  • Ability to distinguish the difference between when a loan meets legal guidelines vs when a loan meets salability guidelines
  • Ability to analyze large complex issues
  • Problem Solver with the ability to identify alternative solutions
  • Self Finisher can, work with minimum supervision
  • Team Player
  • Focused on quality
  • Attention to detail
  • Dependable
  • Can work in a fast paced high volume work environment
  • Strong organizational skills
  • Flexible and able to change focus on a moments notice
  • Excellent witten and verbal communication skills
  • Knowledge of FHA/VA Government Insuring process
  • Friendly, positive attitude, time Management, Critical thanker and Relationship builder

Accomplishments

  • Exceeded production goals by an average of 113% in year 2021
  • Maintained a quality goal score of zero errors
  • Recognized as Employee of the 4th quarter in Posting Closing for top performance and team contributions in 2020.
  • Assisted with creating a updating requirements for the New New Construction Review Checklist and cheat sheet for New that significantly impacted efficiency and improved New Construction review process in Post Closing.

Certification

  • Notary Public - My Commission Expire 10/7/2025

References

References available upon request.

Timeline

Post Closing Loan/Final Document Reviewer

ONE AMERICAN BANK
07.2022 - 02.2023

Post Closing Loan Review Specialist

EverBank/TIAA
01.2009 - 09.2021

Mortgage IT/Deutsch Bank

Legal Reviewer III
11.2005 - 12.2008

Legal Review/High Risk Resolution Specialist

Alliance Mortgage/EverBank
04.2002 - 10.2005

Loan Support Specialist

Bank of America Equity Loan Division
08.1999 - 04.2002

Credit Reviewer Specialist II

First Union National Bank/Wachovia
01.1994 - 08.1999

High School Diploma -

Jean Ribault High School
Lawanda D Mack