Mindy Levandoski
Lewes,USA
Summary
Results-driven professional with effective communication skills seeking to work with a highly effective team. I recognize the value of building a high level of confidence and trust with everyone encountered and consistently strive to establish strong relationships. A quick study with a strong work ethic, exceptional multitasking, and time management skills, I excel without direct supervision. Additionally, I have successfully maintained a large pipeline and possess the ability to adapt quickly to challenges and changing environments while remaining calm under pressure.
Overview
17
17
years of professional experience
Work History
Arborist Assistant/Office Manager
SavATree
02.2024 - Current
- Maintain productive phone and email correspondence with customers, colleagues, and vendors
- Place orders to vendors and processed invoices efficiently and accurately
- Answer and forward phone calls, and carry out customer and management requests as needed
- Check invoice records for accuracy and completeness
- Increased customer satisfaction by providing professional and courteous front desk support.
- Enhanced office efficiency by managing schedules, organizing files, and maintaining a clean workspace.
- Facilitated smooth operations by efficiently handling incoming mail, phone calls, and visitor inquiries.
- Contributed to a positive work environment by fostering open communication among colleagues.
- Assisted in financial tasks such as invoicing, expense tracking, and budget preparation to ensure accuracy.
- Strengthened office organization by implementing new filing systems and digital record-keeping practices.
- Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff.
- Purchased and maintained office supplies.
- Coordinated and scheduled meetings and appointments.
- Maintained accurate financial records by reconciling accounts payable/receivable transactions regularly to ensure balanced budgets.
- Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
Health and Beauty Care Department Manager
Food Lion
10.2022 - 01.2024
- Resolved customer complaints regarding sales and service
- Planned and directed staffing, training, and performance evaluations to develop, control sales and service programs
- Monitored customer preferences to determine focus of sales efforts, Confer with potential customers regarding equipment needs and advise customers on types of equipment to purchase
- Directed, coordinated, and reviewed activities in sales and service accounting and record keeping, and in receiving and shipping operations
- Managed 4 associates on shipping and receiving as well as appropriately stocking shelves and the cleanliness of our area
- Directed and ensured that employees complete all tasks given to them for the day
- Secured front and back end of the store surveillance system as needed
- Maintained strong product knowledge to better assist customers with their shopping needs and provide accurate information regarding items.
- Followed orders precisely for correct items, sizes and quantities.
- Updated merchandise pricing to match new values and special promotional rates.
Construction Project Manager
Hometown America
11.2022 - 10.2023
- Responsible for ensuring the timely and costly completion of construction projects by overseeing all phases of the project
- Work with a variety of contractors to schedule and plan work, coordinate equipment and materials, operate within budget, and monitor overall progress
- Determine and define scope of work and deliverables
- Predict resources needed to complete project
- Obtain necessary permits, approvals, and other regulatory prerequisites
- Draft and submit budget based on scope of work and resource requirements
- Manage costs in order to meet budget
- Provide direction over contracts and subcontracts
- Manage construction schedule and activities
- Issue progress updates as needed regarding costs and timelines
- Ensure work is done in compliance with all relevant building and safety codes
- Select and manage subcontractor and supplier relationships
- Coordinate efforts across entire project between architects, designers, engineers, and subcontractors
- Developed comprehensive project schedules, resulting in timely completions and minimal delays.
- Prepared detailed project estimates and reports for management review.
- Established and maintained relationships with vendors to source affordable and high quality materials and equipment for construction projects.
- Scheduled utility service providers according to project timelines.
- Managed construction schedules to achieve adequate project labor coverage.
- Obtained building and specialty permits from local jurisdictional agencies.
- Communicated daily with vendors to keep project fully operational.
- Verified completed projects met approved time, quality, and cost estimates.
- Consulted with clients to define objectives and develop scopes.
Conventional Mortgage Underwriter
Mid America Mortgage
10.2020 - 04.2022
- Communicating with clients and identifying upfront the items that could potentially delay the process
- Authorizing and underwriting loans
- With excellent understanding of mortgage credit standards and guidelines
- Participating in status meetings to keep everyone informed of where we are in the process to help mitigate any delays
- Reviewing and verifying loan applications and supporting documentation
- Analyzing loan risk and requesting additional information, as necessary
- Knowledgeable with the structures of estates and trusts
- Preparing reports on assessment findings
- Making loan eligibility decisions and approving or rejecting applications
- Reviewing and specifying loan conditions, as necessary
- Ensuring compliance with regulatory standards
- Ensuring compliance with company policies and guidelines
- Documenting and effectively communicating reasons for the approval/rejection of loans
- Returning applications with additional documentation to the loan officer for review
- Ability to meet deadlines and work in a high pressure environment
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Processed loan applications and monitored progress from start to finish.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Sr. Construction Project Manager
GSF Mortgage
08.2019 - 10.2020
- Facilitate the completion of one-time-close construction in wholesale and retail loan channels
- Maintain positive working relationships with internal and external clients alike
- Structuring construction financing products for FHA, VA, and Conventional loan types
- Work with FHA, VA, and Conventional Financing programs to meet clients’ needs and fiscal abilities
- Review of Title, Contract, Builders Risk Insurance, Cost Breakdowns, all construction related items
- Gather necessary documents from associated parties needed to complete the construction package
- Sustain a high level of understanding of guidelines and all applicable changes
- Operate under strict deadlines to meet all closing goals and dates
- Retain the ability to support change in the department as well as guidelines from investors, GSEs, and market reactions
Home Loan Processor
Acopia Home Loans
02.2018 - 02.2019
- Gather necessary documents from borrowers and associated third parties needed to complete the mortgage loan package
- Work closely with borrowers to guide them through the home buying process
- Work closely with my team of fellow processors and underwriters to gather necessary information to gain approval of loan requests
- Communicate closely with borrowers regarding the status of the loan application and the necessary documents
- Maintain a high level of understanding of guidelines and all applicable changes
- Work under strict deadlines to meet all closing goals and dates
- Maintain the ability to support change in the department as well as federal government guidelines
- Utilized income information such as tax returns, credit reports, bank statements, verification of deposits, and W-2s to verify and validate financial stability of borrowers
- Generated and managed excel matrices on a weekly basis that utilized standard deviation calculations to measure the efficiency of two departments (processing and underwriting)
- Worked with members of other departments daily to facilitate communication and close mortgages for veterans
- Worked with the VA, FNMA, and FHLMC daily to attain and correct documentation regarding eligibility
- Worked with unique borrower situations to originate mortgage cash out refinances and streamlines
Retail Loan Liaison, Construction Project Manager
First Guaranty Mortgage Corporation
02.2015 - 01.2018
- As a Resource Specialist; mastered structuring construction financing products for FHA, VA, and Conventional loan types
- Worked in a team of 5 members who structured, created, facilitated the completion of one-time-close construction loans for 50+ companies in wholesale and non-delegated correspondent and retail loan channels
- Assisted executive management with creation and maintenance of statistical progress reports between Fannie Mae Encompass software and Microsoft Excel to enhance efficiencies of internal processes, policies, and workflows – specifically between the Resource Team, Project Reviewers, and Underwriters
- Worked with FHA, VA, and Conventional Financing programs to meet clients’ needs and fiscal abilities to obtain a specialized product; the one-time-close construction to permanent loan offered by FGMC
- Maintained and established positive working relationships with over 15+ different wholesale brokers and 5+ renovation companies
System Support Analyst
02.2015 - 11.2015
- Define application problems by conferring with clients, evaluating procedures and processes
- Develop a solution by preparing and evaluating alternative workflow solutions
- Control a solution by establishing specifications, coordinating production with programmers
- Validates results by testing programs
- Ensures operation by training client personnel, providing support
- Provides reference by writing documentation
- Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; and participating in professional organizations
- Accomplish information systems and organization missions by completing related results as needed
Personal Banker
Wells Fargo Bank NA
09.2014 - 02.2015
- Customer service
- Work closely with customers to help them meet all their financial needs
- Sell retail products and services to customers and prospects
- Manage and maintain customer portfolios
- Develop and maintain relationships with Wells Fargo partners to maximize sales opportunities
Home Loan Processor 4
Wells Fargo Home Mortgage
01.2008 - 02.2014
- Gather necessary documents from borrowers and associated third parties needed to complete the mortgage loan package
- Work closely with borrowers to guide them through the home buying process
- Work closely with my team of fellow processors and underwriters to gather necessary information to gain approval of loan requests
- Communicate closely with borrowers regarding the status of the loan application and the necessary documents
- Maintain a high level of understanding of guidelines and all applicable changes
- Work under strict deadlines to meet all closing goals and dates
- Maintain the ability to support change in the department as well as federal government guidelines
- Utilized income information such as tax returns, credit reports, bank statements, verification of deposits, and W-2s to verify and validate financial stability of borrowers
- Managed a pipeline of 70 plus loans for multiple account executives every month
- Generated and managed excel matrices on a weekly basis that utilized standard deviation calculations to measure the efficiency of two departments (processing and underwriting)
- Worked with members of 3 departments daily to facilitate communication and close mortgages for veterans
- Worked with the VA, FNMA, and FHLMC daily to attain and correct documentation regarding eligibility
- Assisted in creating and implementing a new process for appraisal orders and document review
- Worked with unique borrower situations to originate mortgage cash out refinances and streamlines
Loan Servicing Specialist/ Loan Adjustor Specialist
05.2010 - 03.2012
- Gather necessary documents needed for a loan modification
- Work closely with investors such as Fannie Mae, Freddie Mac, Bank and Private, FHA, VA, MBS, to understand their guidelines for required documents
- Obtain documents from mortgagors, and various third parties
- To provide to underwriters for review of the modification request
- Implement communication workflow and train fellow team members on the process
- Work face to face with homeowners at events all over the country to help them remain in their home
- Maintain a high level of understanding of each individual investor
- Maintain excellent communication both written and verbal with investors, and other team members
- Maintain a high level of organization and confidentiality
- Work under strict deadlines
- Maintain the ability to support change in the department
Loan Servicing Specialist
01.2008 - 05.2010
- Research a variety of different requests for documents
- Work closely with investors such as Fannie Mae and Freddie Mac
- Obtain documents and provide to requestors to avoid repurchasing loans
- Create and maintain working relationships with investors
- Make cold calls to attorneys, settlement agents, or brokers who can help you locate documents
- Maintain excellent communication both written and verbal with investors, and other team members
- Maintain a high level of organization
- Work within deadlines
Customer Service Representative
01.2008 - 12.2008
- Efficiently handle a variety of customer inquiries regarding their home mortgage
- Become an expert in mortgage banking processes, procedures and internal and external resources
- Prioritize quality and efficiency in resolving customer issues
- Minimize call escalations by gaining customers' trust and confidence
- Increase customer loyalty by offering value added products and services
- Worked on a long-term special project for loss mitigation for loan modifications
Education
Associate of Applied Science - Business
Hagerstown Business College
Hagerstown, MD01.1999
Timeline
Arborist Assistant/Office Manager
SavATree
02.2024 - Current
Construction Project Manager
Hometown America
11.2022 - 10.2023
Health and Beauty Care Department Manager
Food Lion
10.2022 - 01.2024
Conventional Mortgage Underwriter
Mid America Mortgage
10.2020 - 04.2022
Sr. Construction Project Manager
GSF Mortgage
08.2019 - 10.2020
Home Loan Processor
Acopia Home Loans
02.2018 - 02.2019
Retail Loan Liaison, Construction Project Manager
First Guaranty Mortgage Corporation
02.2015 - 01.2018
System Support Analyst
02.2015 - 11.2015
Personal Banker
Wells Fargo Bank NA
09.2014 - 02.2015
Loan Servicing Specialist/ Loan Adjustor Specialist
05.2010 - 03.2012
Home Loan Processor 4
Wells Fargo Home Mortgage
01.2008 - 02.2014
Loan Servicing Specialist
01.2008 - 05.2010
Customer Service Representative
01.2008 - 12.2008
Associate of Applied Science - Business
Hagerstown Business College
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