Marci Davidson
Stone Mountain,GA
Summary
An organized, proficient, and detail-oriented professional with more than twenty years of experience in the mortgage industry is seeking a position where my experience and knowledge will be utilized effectively.
Overview
21
21
years of professional experience
Work History
Claims Associate
State Farm
Atlanta, GA
10.2022 - Current
- Analyze data and formulate decisions regarding the approval or denial of claims.
- Examine claims, records and procedures to grant approval of coverage.
- Delivere quality customer service to assigned, insured and claimants throughout entire claims lifecycle to promote service times.
- Assess claims to determine validity and appropriateness of coverage according to policy guidelines.
- Coordinate and plan investigations of claims to confirm compensability and coverage.
Branch Loan Processor
Northpoint Mortgage
Alpharetta, GA
07.2020 - 06.2022
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Maintained accurate records in computer database system during loan origination process.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
Senior Mortgage Loan Processor
American Eagle Mortgage Company
Kennesaw, GA
05.2018 - 07.2020
- Prepared loan packages for underwriting, including ordering title reports, credit reports, appraisals, verifications of employment and other documentation as required.
- Maintained regular contact with customers throughout the loan process providing updates on progress made or any needed information or documentation.
- Interpreted mortgage regulations regarding income calculations, debt-to-income ratios and other lending criteria.
- Developed relationships with internal departments such as Underwriting, Closing, Funding and Compliance teams in order to facilitate smoother processing timelines.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
Junior Processor/Production Support Team
Angel Oak Home Loans
Atlanta, GA
10.2017 - 02.2018
- Reviewed initial client documentation to structure and submit loan package.
- Communicated regularly with Mortgage Loan Originators and borrowers regarding status and items needed.
- Created and maintained spreadsheets to track progress of loans.
- Resolved issues related to missing or incorrect information from borrowers or third parties.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
Junior Underwriter
Home Point Financial
Alpharetta, GA
07.2015 - 01.2017
- Prioritized and organized tasks to efficiently accomplish service goals.
- Reviewed loan applications and credit documents to assess risk and eligibility for approval.
- Gathered and analyzed information to determine risk acceptability.
- Documented all underwriting decisions in accordance with company guidelines.
- Inspected financial statements, credit information and title data to complete underwriting process.
Loan Coordinator
Great Plains National Bank
Alpharetta, GA
09.2014 - 07.2015
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Collaborated with company teams to expedite loan approval processes.
- Managed pipeline for originated loans through closing and complete required management reports.
- Worked closely with lenders to ensure that all necessary paperwork was completed correctly.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Underwriting Assistant
Equity Prime Mortgage, LLC
Atlanta, GA
03.2012 - 04.2014
- Ensured that the quality of loans submitted into Underwriting conformed to Equity’s and investor’s submission guidelines and compliance standards
- Ordered Flood Certification, Fraud Reports and ensured Automated Underwriting Systems (Desktop Underwriter, Loan Processor and Guaranteed Underwriting Systems) were run correctly
- Prepared files in proper stacking order for submission to Underwriting
- Analyzed loan documents submitted to satisfy Underwriting conditions for completeness and fraud prior to advancing to Underwriter for final decision
- Completion of Withdrawals and Denials to ensure pipeline accuracy.
Wholesale Loan Account Manager
Guaranty Trust Company
Norcross, GA
03.2003 - 02.2012
- Served as liaison for the Underwriter and the Mortgage Brokers ensuring communication remained open and loan turn times were as quick as possible
- Responsible for verifying and entering the correct information for the loans during the Underwriting process.
- Followed up with the Brokers to collect all necessary documents requested by Underwriting to close the loan
- Prepared files for submission to Private Mortgage Insurance companies and USDA
- Prepared files for closing department upon final Underwriting approval and was the primary contact between the closing department and Brokers.
Education
ASSOCIATES DEGREE OF APPLIED SCIENCE IN ACCOUNTING -
Broome Community College
Skills
- Outstanding customer service and communication skills
- Computer Proficient
- Excellent time management skills
- Teamwork and Collaboration
- Attention to Detail
References
REFERENCES ARE AVAILABLE ON REQUEST
Timeline
Claims Associate
State Farm
10.2022 - Current
Branch Loan Processor
Northpoint Mortgage
07.2020 - 06.2022
Senior Mortgage Loan Processor
American Eagle Mortgage Company
05.2018 - 07.2020
Junior Processor/Production Support Team
Angel Oak Home Loans
10.2017 - 02.2018
Junior Underwriter
Home Point Financial
07.2015 - 01.2017
Loan Coordinator
Great Plains National Bank
09.2014 - 07.2015
Underwriting Assistant
Equity Prime Mortgage, LLC
03.2012 - 04.2014
Wholesale Loan Account Manager
Guaranty Trust Company
03.2003 - 02.2012
ASSOCIATES DEGREE OF APPLIED SCIENCE IN ACCOUNTING -
Broome Community College
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