Madonna Simmons
Mortgage Professional
Sumter,SC
Summary
Competent Mortgage professional experienced with performing daily assignments, obtaining detailed information to assist clients. Dedicated, dependable and focused on making positive impact with careful work. Highly organized with sound judgment, analytical problem-solving skills and decisive nature.
Overview
18
18
years of professional experience
Work History
Quality Assurance Auditor
Homestar Financial LLC
Gainsville, GA
04.2021 - 04.2022
- Identified issues of non-compliance and elevated reports to senior personnel.
- Reviewed work instructions and production strategies to verify compliance with established standards.
- Completed timely quality reports highlighting deficiencies and recommending corrective actions.
- Educated and oriented employees to improve compliance with quality control protocols.
- Reviewed and processed over 30 files per day and increased saleable volume by 10%"
Underwriter
Cross Country Mortgage
Cinncinatti , OH
08.2020 - 03.2021
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Processed and clear to close 5 loans per
- Processed resubmissions and cleared conditions daily
- Exceeded turn around expectations of 48 hours
- Communicated with Loan Officers and branch specialists to determine condition clearance.
Underwriter
Underwriter/Quality Assurance Auditor
Bedminister, NJ
07.2005 - 07.2020
- Assist quality control department in managing risk
- Review loans and documentation to determine compliance with applicable regulations of investor guidelines
- Determine whether sound practices were followed and identify necessary corrective actions warranted
- Facilitate ongoing risk assessments throughout the business to ensure compliance with consumer Finance Protection Bureau guidance
- Assume the role of Processor when necessary
- Proved successful working within tight deadlines and fast-paced atmosphere
Loan Processor/Home Loan Advisor
Randstad/Bank Of America
Charlotte, NC
03.2010 - 04.2011
- Reviewed and executed confidential documents, contracts and disclosures.
- Established positive flow of communication with agents, clients, attorneys and personnel involved in closing transactions.
- Educated clients looking to sell or buy on current market conditions, legal requirements, pricing and mortgages.
- Assisted in Developing new business and managed 50 month pipeline with 15%$ carry over to new month
Education
. - Business Administration Operations
University of South Carolina
Sumter, SC . - Anti-Money Laundering And Safe Practices
J.P. Morgan Chase University
Received Certification - Real Estate Sales/Development
South Carolina Real Estate School
Columbia, SC 2006
Skills
- Manual and Finger Dexterity
- Instrument Calibration
- Mathematical Calculations
- Problem Anticipation and Resolution
- Customer Satisfaction
- Credit Bureau Information
- Processing
- Auditing
- Fulfilling Conditions
- Encompass 360 (7 years)
- Managing calls/pipeline
- Calyx Point
- Front-line/DD UW
- Citrix
- LQI
- Lexis Nexis
- Fix and Flip review
- Rebuttal letter submissions
Computer set ups Help Desk System Regulation Compliance
Timeline
Quality Assurance Auditor
Homestar Financial LLC
04.2021 - 04.2022
Underwriter
Cross Country Mortgage
08.2020 - 03.2021
Loan Processor/Home Loan Advisor
Randstad/Bank Of America
03.2010 - 04.2011
Underwriter
Underwriter/Quality Assurance Auditor
07.2005 - 07.2020
. - Business Administration Operations
University of South Carolina
. - Anti-Money Laundering And Safe Practices
J.P. Morgan Chase University
Received Certification - Real Estate Sales/Development
South Carolina Real Estate School
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