Summary
Overview
Work History
Education
Skills
LINKS
Language
Timeline
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Maria Goode

Plano,TX

Summary

Mortgage Lending Operation Manager with a robust background in mortgage lending and administration. Expertise in supervising daily operations and addressing operational challenges efficiently. Proven ability to manage large loan portfolios and ensure compliance with credit documentation standards. Skilled in fostering strong relationships with clients and stakeholders to achieve organizational goals.

Overview

22
22
years of professional experience

Work History

Senior Loan Processor III

CMG Mortgage
Plano, Texas
03.2023 - Current
  • Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities.
  • Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan.
  • Researched relevant laws and regulations related to lending practices in order to remain compliant with industry standards.
  • Verified credit reports for accuracy and completeness prior to loan approval.
  • Reviewed appraisals for accuracy before underwriting loans for approval or denial.
  • Reviewed and evaluated loan applications to ensure accuracy, completeness, and compliance with state and federal regulations.
  • Ensured that all required paperwork was completed accurately and timely by both parties.
  • Collaborated closely with underwriters when reviewing files for final approval.
  • Processed loan documents in a timely manner to meet closing deadlines.

Lending Operations Associate Manager

Wells Fargo
Plano, Texas
01.2019 - 07.2022
  • Supervised operations team to support operational excellence and excellent customer service.
  • Manages and oversees workflow and drive quality on incoming loans
  • Helped team members maintain business professionalism by coaching each on methods for delivering exceptional service to every customer.
  • Stayed up-to-date with industry trends and best practices to improve skills and organizational operations.
  • Manage pipelines of over 2000 loans
  • Manage team of 15 Home loan processors that are decentralized throughout multiple states
  • Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
  • Managed personnel by implementing company policies, procedures, work rules, and disciplinary action.
  • Train, coach and develop current direct reports to manage exceptions regarding performance, business standards and communication with business partners
  • Updated logs and submitted timely reports detailing activities in line with regulatory standards.
  • Analyzed production data and prepared reports for senior management.
  • Evaluated employee performance and provided feedback and training as needed.
  • Hiring, onboarding, time tracking, payroll, and Human Resources support
  • Train, coach and develop current direct reports to manage exceptions regarding performance, business standards and communication with business partners
  • Developed and maintain operational guidelines for staff.
  • Assists senior-level credit officers with complex loans

Senior Loan Processor 5

Wells Fargo
Plano, Texas
03.2008 - 01.2019
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Evaluated approvals against established bank and government lending standards.
  • Managed pipeline of over 200 loans
  • Managed over 50 calls per day to meet customer needs
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
  • Assisted loan officers with origination and closing processes to Fastrack procedures and promote teamwork.
  • Advised loan officers to comply with loan guidelines and apply best practices.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.

Loan Originator

CTX Mortgage
Addison, Texas
01.2005 - 03.2008
  • Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
  • Collected information from banks, institutions and employers to assess applicant eligibility.
  • Managed pipelines of over 150 loans
  • Prepared documents for customers, submitting and overseeing through each step of closing process.
  • Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
  • Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
  • Made over 30 customer calls per day
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Developed strong relationships with customers through high levels of customer service.
  • Developed and implemented marketing campaigns to attract new customers.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Utilized risk management strategies to attain high loan approval rates.
  • Advised clients on mortgage, education and personal loans.
  • Monitored performance of existing loan portfolios to identify and address any issues.
  • Examined customer loan applications for loan approvals and denials.

Mortgage Loan Officer

Prime Lending
Dallas, Texas
02.2003 - 01.2005
  • Explained different types of loans pertaining to client situations.
  • Managed over 50 calls per day to generate new business
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Checked loan documents for accuracy prior to closing.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Monitored pipelines to track and log status of loans.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Closed and funded 20 loans monthly on average

Education

High School Diploma -

North Garland High School
Garland, TX
03.1996

No Degree -

Richland Community College
Richards, TX

No Degree -

Derree University
Athens, Greece

Skills

  • Mortgage operational excellence
  • Conventional and government lending
  • Customer service and teamwork
  • Federal lending regulations
  • Residential mortgage processing
  • Employee performance improvement
  • Team collaboration
  • Hiring and onboarding
  • Mentoring and leadership
  • Microsoft Office proficiency

LINKS

https://www.linkedin.com/in/maria-goode-3b19341/

Language

Greek
Professional

Timeline

Senior Loan Processor III

CMG Mortgage
03.2023 - Current

Lending Operations Associate Manager

Wells Fargo
01.2019 - 07.2022

Senior Loan Processor 5

Wells Fargo
03.2008 - 01.2019

Loan Originator

CTX Mortgage
01.2005 - 03.2008

Mortgage Loan Officer

Prime Lending
02.2003 - 01.2005

High School Diploma -

North Garland High School

No Degree -

Richland Community College

No Degree -

Derree University

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