Mona Elgin
Murfreesboro,TN
Summary
Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Strong work ethic and effective communication skills. Eager to contribute to a dynamic team and support organizational goals.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Office Manager
All Time Exterminating Inc
Murfreesboro, TN
05.2023 - Current
- Established and set up office guidelines
- Aided in budget creation
- Managed team personnel effectively
- Organized and kept filing system up-to-date for records
- Maintained optimal inventory by regularly ordering supplies and equipment
- Maintained excellent client relationships through effective communication
- Ensured timely and accurate payroll processing
- Monitored financial transactions to ensure precise accounts data
- Oversaw inventory levels and ensured adequate supplies.
- Monitored client payment schedules to ensure timely transactions.
Senior Mortgage Underwriter
Tidewater Mortgage Services
Murfreesboro, TN
10.2021 - 10.2022
- Evaluated loan applications and creditworthiness of potential borrowers.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
Mortgage Underwriter
Guaranty Trust Company
Murfreesboro, TN
10.2010 - 01.2020
- Verified employment history and income of applicants.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Evaluated collateral properties to assess market value.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Identified potential issues related to title, appraisals, insurance coverage.
- Issued clear written conditions for approval of mortgage loans.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
Education
Bachelor of Arts - Management And Human Relations
Trevecca Nazarene College
Nashville, TN05-1999
Skills
- Procurement Coordination
- Accurate Ledger Management
- Invoice Processing
- Team Oversight
- Efficient Data Management
- Client Support
- Property Inspection
- FNMA Guidelines
- Documentation Review
- LTV Calculations
- Asset Statements
- Debt-to-Income Ratios
- Residential mortgage lending regulations
- Underwriting guidelines
- Residual Incomes
- Residential Loans
- Application Analysis
- Data Interpretation
- Credit analysis
- Income verification
- Customer Relations
- Income Evaluation
- Application Review
- Property Evaluation
- Creditworthiness Determination
Certification
- FHA/DE
- VA/SAR
- NNA/Notary
References
References available upon request.
Timeline
Office Manager
All Time Exterminating Inc
05.2023 - Current
Senior Mortgage Underwriter
Tidewater Mortgage Services
10.2021 - 10.2022
Mortgage Underwriter
Guaranty Trust Company
10.2010 - 01.2020
- FHA/DE
- VA/SAR
- NNA/Notary
Bachelor of Arts - Management And Human Relations
Trevecca Nazarene College
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