Minnie White

· Verified final submissions, calculated income variances, residual errors, tax errors, and money factor issues. Notified the dealer for final approval in cases of shortages.

· Ensured completion of loan packages and reviewed all submissions in accordance with procedures and state regulations

· Regularly issued Needs Lists to clients, ensuring their awareness of organization rules and obligations, while collecting the requested documents.

· Secured information for loan packages based on special requests from the Underwriting Team

· Researched and rectified errors for clients

· Reviewed documents for missing and erroneous information, escalating discrepancies including Name, Address, and Income to the Underwriting Team

· Managed escalated and complex deals assigned by Managers and Business Analysts in the Department.

· Collaborated with managers, problem resolution teams, underwriters, and business analysts to ensure effective loan processing.

· Validated income, assets, liabilities, and applicant-provided information through detailed calculations.

· Monitored loan application progress throughout the entire process to ensure timely completion.

· Evaluated financial statements, addressing any uncertainties by communicating with institutions and customers.

· Obtained loan processing documentation from customers via telephonic and email communication.

· Submitted loan applications to underwriting department for review and approval.

· Accurately recorded loan origination process data into computer database system.

· Developed relationships with clients, real estate agents, lenders, title companies, and attorneys during closing process.

· Strict adherence to company policies while completing loan processing tasks.

· Ensured compliance with departmental policies and procedures and all applicable government, investor FHA, VA, USDA and client regulations

· Reviewed and determined the approval or rejection of Covid EDIL Loan and Loan Modifications, Target Advance Grant Applications, as well as conducted Reevaluations

· Determines accuracy and completeness of files; ensures processes are consistent.

· Reviewed and assessed loan applications and Credit Reports for creditworthiness, risk, and eligibility using Capacity, Capitol, Collateral, and Credit.

· Analyzed and verified accuracy of income statements, assets, tax returns, bank statements credit reports, preliminary report, judgments, and bankruptcy documents.

· Determined the best loan structure by considering customer requirements, company policies, and regulatory guidelines.

· Set loan limits based on underwriting criteria and informed clients of final decisions.

· Provided guidance to junior staff members on underwriting procedures.

· Resolved discrepancies between customer documentation and internal records, ensuring accurate information.

· Attended frequent training sessions to stay updated on changes in relevant laws and regulations.

· Ensured timely submission of all documents needed for closing transactions.

· Created coaching and training programs to support 30 new Loan Underwriters Trained and directed staff in adhering to QA standards.

· Analyzed and verified calculations for income and assets submitted by underwriters and closers such as income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals.

· Ensured departmental consistency, accuracy, and quality by reviewing documents for approval or denial

· Ensured compliance with departmental policies, procedures, and government regulations for FHA, VA, USDA and clients

· Maintained knowledge of loan modification, short sale, and deed in lieu guidelines from State, Federal, CFPB, Investor, and PMI

· Identified and analyzed trends, resulting in enhanced department effectiveness

· Regular and timely communication of required process changes to all areas of Credit Solutions department was ensured

· Monitored loans for any deviation from standard processing time and took appropriate actions to ensure timely service, including alternative solutions suggested to Manager.

· Identified areas for improvement in processes and procedures while assisting other members of the QA team.

· Monitored performance metrics in production environment for anomalies suggesting quality issues.

· Prepared progress reports according to project timelines.

· Collaborated with team members to develop streamlined workflows, increasing productivity.

· Utilized quality monitoring system to compile and track performance of both individuals and teams.

· Regularly communicated with management to discuss quality trends.

· Conducted internal audits to assess compliance with QA standards.

· Managed quality and continuous improvement agendas by maintaining policies, procedures, work instructions, and projects.

· Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans

· Created, edited, and maintained project manuals and technical documentation for utilization by the QA team.

· Set and met product quality objectives in line with product specifications.

· Assessed loan documentation for potential acquisition from external sources

· Reviewed documents LE and CD, 1003, Credit Report and Appraisal to ensure compliance with company guidelines and tolerance levels

· Reviewed Case Number Assignment, Title Commitment, and loan documents for accuracy.

· Conducted audits for FHA, VA, and USDA Purchase, Streamline, and Cash out Refinance loans.

· Completed final check and fee assessment

· Documented all actions that affect loan

· Identified and addressed any potential risk, including seasoning requirements

· Monitored pipelines to track and log status of loans

· Completed paperwork, identified discrepancies, and promptly resolved them.

· Utilized the DU and LP process to underwrite fixed rate loan applications

• Provided inventory and ongoing training, job aids and education to Cash Posting Batch Analyst ensure policy and procedure
• Trended errors and provided data to appropriate Manager and Director
• Ran aging reports and ensured corrections are made in timely manner
• Notified Manager, Director, and Controller if Batch Net has not been updated
• Met with Manager and regularly communicated and resolved issues, set and prioritized goals, and improved process
• Corrected all payment rejections within 7 calendar days
• Communicated with staff providing updates, resolving issues, setting goals, and maintaining standards
• Developed department action plans
• Maintained established departmental policies and procedures, patient and customer service policies
• Performed quality reviews
• Updated, verified, and added Insurance Plans for payment posting such as Blue Cross, Cigna, United Healthcare, Aetna, etc
• Set production and service goals for direct reports
• Directed performance of staff through effective coaching, training to achieve established goals and service levels
• Developed and analyzed management reports to ensure all production and quality goals are met
• Worked as liaison between team member and SSC staff
• Tracked receipts, employee hours, and inventory movements
• Minimized resource and time losses by addressing employee or production issue directly and implementing timely solutions.

· Contributed to various special projects

· Cross-trained associates, designed visually intuitive Job Aids, and formulated various training materials

· Worked as Subject Matter Expert (SME) and provided feedback

· Reviewed and ensured consistency, accuracy, and quality of documents and calls within department through QA processes.

· Handled all accounts payable/billing inquiries, including vendor and customer concerns about activations, cancellations, claim denials, and transfer requests through phone, email, and written communication.

· Coordinated with Management to set New Business face to face meetings, bill, audit, and maintain accurate vendor files

· Converted Excel File and troubleshoot errors by utilizing V Lookups. Uploaded New Business into various systems.

· Performed vendor remittance reconciliation, resolving pricing discrepancies and facilitating collection of outstanding payments including past due amounts, warranty transfers, and overages.

· Provided feedback and reviewed files for Vendors and Account Managers.

· Deposited checks remotely and processed electronic and check payments

· Maintained and updated quality standards for receivables and customer satisfaction through effective communication with management staff.

· Prepared Financial Reports for Supervisor and Operational Manager

· Reviewed files for Auto Lease to Retail and Mortgage Loan FHA, VA, and USDA Purchase

· Investigated and evaluated credit histories to determine credit worthiness of individuals or businesses using Capacity, Capitol, Collateral and Credit

· Review cash flow analyses, financial statements assesses risk

· Reviewed financial statements, credit reports, LE and CD, 1003, and Appraisal to ensure that they meet company guidelines and tolerance

· Reviewed Case Number Assignment, Title Commitment, and all other loan documents for accuracy.

· Completed final check and assessment of fees

· Utilized DU and LP process and underwrite loan applications that were a fixed rate.

· Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans

· Maintains pre-established service level standard of decisions within a 48-hour time frame set by the company

· Served as SME on multiple teams, training and developing new hires while supporting colleagues

· Collaborated with Dealers, Account Executives, Remarketing Specialists, and Payment agents to address fraudulent activity on accounts

· Assisted dealers with various tasks including Dealer Buyouts, Lease Buyouts, and Title processing.

· Conducted research on customer concerns related to various payment methods such as Checks, Western Union, ACH, Money Orders, Money Gram, Smart Cash, Escrow checks, Lockbox and Online Payments for missing or misapplied payments.

· Reversed rejected payments to rebalance general ledgers

· Processed payments and issued checks for Aftermarket Cancellations and Overpayments, handling debit/credit Dealer Reserve.

· Managed General Ledger accounts for Charge Offs, Personal Property Tax, and Absorptions

· Processed and provided customer support for loan applications

· Reviewed hardship withdrawal claims for approval or denial.

· Enrolled and registered employees while explaining benefits and taxation.

· Calculated loan payoff, loan availability, and RMD.

· Processed various types of transactions including rollovers, contribution changes, fund transfers, and reallocations

· Maintained and updated participants' demographics and beneficiary information.

· Enrolled participants into 401(k) plans

· Processed task and research requests for terminated participants, providing assistance during transactions such as manual forms

· Facilitated role-playing sessions and provided feedback to new hires, participants, and co-workers to assess performance and overcome obstacles

· Delivered findings and suggestions to management team and training department regarding areas for improvement in coworker assessment.

· Managed compliance courses and assignments

· Served as a bridge between onsite managers, tenants, and owners

· Greeted prospective tenants/tenants and vendors

· Processed applications, conducting credit and background checks, as well as confirming employment verification

· Managed and organized highly sensitive documents

· Collected monthly assessments, rental fees, cash handling, checks, money orders, and deposits while providing receipts.

· Arranged repayment of rent and established payment schedules for overdue amounts

· Exceeded company goals by effectively balancing professionalism and exceptional people skills.

· Recorded tenants' financial information to facilitate collection procedures

· Investigated and resolved complaints, disturbances, and violations in compliance with management regulations.

· Planned, scheduled appointments, and coordinated general maintenance and major repairs.

· Ensured accurate completion of employees' time cards for Payroll and documented time off.

· Negotiated lease agreements, ensuring compliance with legal requirements and reviewing all relevant documents

· Determined and certified eligibility of prospective tenants in adherence to government regulations.

· Conducted property showings, highlighted features, and responded to inquiries

• · Managed and executed household responsibilities, including budgeting and childcare.

· Responded promptly to customer inquiries and requests through phone and email in a professional manner.

· Prepared sales reports for management review

· Suggested customer-centric services to maximize company revenue

· Attained “1,000,000-dollar club” membership by generating over one million dollars in sales.

· Attended all mandatory team meetings and training sessions as needed

· Identified and implemented enhancements for existing procedures and systems

· Responded to and resolved customer complaints, while maintaining reimbursement reports for Manager's approval.

· Managed incoming emergency calls from conductor, ticket agents, and customers

Conducted daily audits on reservations to verify the accuracy and completeness of entered information.