Hi, I’m
Monica Moore
Carrollton,TX
The real test is not whether you avoid this failure, because you won’t. It’s whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.
Barack Obama
Summary
Experienced OTR truck driver offering exceptional skills in route planning. Demonstrated record of safe and efficient vehicle operations combined with top-notch client satisfaction scores.. -Certification OTR Driver with clean driving record .Familiar with major cross-country routes for freight transportation. Hard-working, dependable professional committed to meeting delivery expectations. Management Professional with over 15 years of progressive advancement in various positions. Subsequently in the mortgage field from loss mitigation, short sales processing, negotiations, bankruptcy, collections, and legal services. Strengths include strong leadership, excellent communications skills, organization and attention to details. Supervisory skills include interviewing potential new hires, training, and other administrative tasks. Successfully managed multiple projects in a fast-paced work environment while maintaining a clear vision to accomplish the company’s goals.
Overview
18
years of professional experience
Work History
Werner Enterprises
OTR Truck Driver
07.2023 - Current
Job overview
- Made sure that deliveries were on time for scheduled appointments.
- Maintained accurate driving records in accordance with federal laws and regulations.
- Ensured accurate record-keeping by diligently updating electronic logs and submitting required paperwork in a timely manner.
- Maintained compliance with federal regulations through diligent adherence to hours of service requirements and regular safety checks.
- Inspected vehicle before and after every trip and conducted minor repairs.
- Finalized daily logs on schedule to update internal records and uphold DOT requirements.
- Reported vehicle and roadside issues in accordance with company policies to maintain route transparency.
- Inspected vehicles and completed routine maintenance to keep equipment in good working order.
- Increased on-time deliveries by planning efficient routes and maintaining regular communication with dispatch teams.
- Delivered goods to customers both locally and long distance.
- Safely navigated challenging weather conditions, utilizing defensive driving techniques to ensure timely delivery without compromising safety.
- Contacted customers to report delayed delivery times.
- Communicated regularly with dispatcher to provide updates on delivery times.
- Minimized delays by planning and adjusting routes to account for changing weather and traffic conditions.
- Charted out upcoming routes with GPS technology and maps.
Texas Central School Bus Company
School Bus Driver-Class B CDL (S&P endorsement)
03.2022 - 05.2023
Job overview
- Pre-trip inspection Of bus
- Start and Complete DVIR
- Assign seat
- Follow all safety protocols while operating school bus
- Complete assigned route in a timely matter
- Complete post-trip inspection of bus
- Participate in all training
HomePoint Financial
REMOTE-Mortgage Closer Wholesale and Post Closer-Non-Delegated Analyst
01.2021 - 02.2022
Job overview
- Preparing Final Closing Package by ensuring all fees, document and program are correct
- Collaborate with Title companies to ensure we are balanced prior to borrowers closing
- Electronic submit balanced closing package to Title/Settlement Agent, Broker and Account Managers
- Request Prelim Title, Property Tax Cert, Invoices and any other documents needed in preparing final CD
- Request attorney document via Docs on Demand
- Validate fees to ensure we are held to our allowable 10% tolerance
- Communicate with Broker regarding status and/or updates of final closing package
- Pull loan from daily worksheet for the department
- Review files for completeness and adherence to TRID and RESPA regulations
- E-delivered re-disclosures(PCCD)when necessary
- Submit file to Funding Department with Net Disbursement Figures
- Ability to adapt and apply new learn processes and procedures
- Pull loan from DILN-PCCD mailbox
- Review the final Alta and/or final closing disclosure
- Process the changes, add tolerance cures and/or make clerical corrections to the Loan Estimate cash-to close and produce the post consummation closing disclosure via Encompass
- Contact brokers, buyers, attorneys with update on closing
- Served as customer service representative taking inbound and/or making outbound calls to customer for updating financials documents
- Process Principal Reduction and produce a post consummation closing disclosure
- Run Fannie Mae and Freddie Mac UCD reports
- Run compliance ease test to ensure all fees are valid
- Run the ULDD report
- Help with the process and procedures for the PCCD team
- Train new employees via Teams on the PCCD process
- Posted invoices daily for vendor payments
- Updated vendors with payment status
- Resolved payment issues as needed
- Updated management on account status
Stearns Financial
REMOTE-Closer
09.2020 - 01.2021
Job overview
- Preparing Final Closing Package by ensuring all fees, document and program are correct
- Collaborate with Title companies to ensure we are balanced prior to borrowers closing
- Electronic submit balanced closing package to Title/Settlement Agent, Broker and Account Managers
- Request Prelim Title, Property Tax Cert, Invoices and any other documents needed in preparing final CD
- Request attorney document via Docs on Demand
- Validate fees to ensure we are held to our allowable 10% tolerance
- Communicate with Broker regarding status and/or updates of final closing package
- Pull loan from daily worksheet for the department
- Review files for completeness and adherence to TRID and RESPA regulations
- Send out redisclosures(PCCD)when necessary
- Submit file to Funding Department with Net Disbursement Figures
- Ability to adapt and apply new learn processes and procedures
Guaranty Bank & Trust
Closer/Funder/Post Closer/Loan Shipper
01.2016 - 09.2020
Job overview
- Consistently review 'closed loan packages' from Title Companies to assure the necessary signatures, dates and notary stamp are legible and complete
- Pull the allonge and the original note to obtain the needed signatures
- Scanned and electronically ship 'closed loan packages' to the designated investor for purchase review
- Review and approves closing documents
- Verifies certified funds are from approved assets
- Served as customer representative providing updates between all parties (title, loan officer, escrow, attorney and processor)
- FedEx the original note, signed allonge, Bailee letter and investors’ coversheet to designated investor for purchase review
- Systematically date, organized and log 'closed loan packages' in Encompass
- Monitor each investor’s website daily checking for expired locks during the shipping and purchase review timeframe to ensure mortgage-locked loans are ship before lock expires
- Review Investors’ websites daily to pull Correspondent Pend Reports to review, correct and return the requested stipulations’ documents within the investor guideline to ensure company does NOT violate and/or miss our expired lock dates
- Implemented a file tracking system that eliminated missed locks and hard copies abundance
- Maintain reports for operations manager to ensure we purge our hard copies within the allotted federal mandated timeframes, which are conducive to our workspace and environment
- Mail 'First Payment (Notice of Assignment, Sale, or Transfer) letter to borrower(s)
- Mail 'Mortgage Clause Change' letter to insurance agent
- Registered MERS and completes MERS transfer
- Transfers Flood Certificate (if applicable)
- Email 'Mortgage Insurance Certificate' to designated investor, designated employee and/or department for their records
- Receive, scan, document and send recorded Deed of Trusts, Final Title policies and all final documents (recorded or not) to designated investor
- Updates Encompass system with dates and documents of each loan from inception to completion
- Trouble shooting on Encompass program as administration clerk
- Reset passwords for team members
- Removed VPN access for team members who have not logged in VPN for 90 days
- Re-activate team members who have not access emails or Encompass system in 90 days
- Serve as our teams; IT operations administrations clerk resetting passwords and reassign new badges for lost or stolen badges
- Sent out 'empty container' notices to transportation/logistic company, to ensure company not billed for container not returned in timely manner
- Prioritize 'live Load' to prevent any detentions and/or infractions to company
- Schedules all inbound deliveries; ensures purchase order number is on all paperwork
- Receives product deliveries
- Records and checks quantity and quality of good received
- Inspect, accept, or reject inbound shipments
- Communicates and coordinates with appropriate buyer for product returns/repair
- Delivers product to appropriate personnel – insures all pathways are clear
- Assists in other departments as needed
- Performs other duties as assigned to meet business needs
- Establishes and maintains effective working relationships with other employees, supervisors and managers
Scape
Office Coordinator
01.2015 - 12.2015
Job overview
- Maintains administrative workflow by studying methods; implementing cost reductions; developing reporting procedures
- Resolved administrative problems by analyzing information, organizing information data, identifying and communications solutions
- Documented and communicated needed actions to management by discovering irregularities in processes and procedures
- Maintained suggestion system by directing and controlling administrative technical aspect in accordance with management directive
- Maintained software updates
- Reset team’s passwords to active software programs
JPMorgan Chase
Loss Mitigation Short Sale Negotiator
08.2011 - 09.2014
Job overview
- Adequately manage an inventory of accounts of various investors including Fannie Mae, Freddie Mac, FHA, VA, USDA loans and multiply investors loans in default seeking a short sale
- Work with customers, brokers, attorneys, mortgage insurance companies and title companies to offer an accurate resolution that meets the Company and Investors requirements by phone, fax or email
- Collect and analyze the borrower’s sales contract, preliminary HUD, hardship, tax returns, bank statements, paystubs, profit & loss statements, government rewards letter, financial worksheet, third party watch list, value of collateral, active service members accounts and bankruptcy accounts to determine which programs the company and investors have that will be suitable for the customer to assist with sale of the home
- Approve or decline Home Affordable Foreclosures Alternative Program and Pre-foreclosure Sale Program
- Request foreclosure postponements if sales contract meets the net amount or file has been approved for HAFA or PFS program
- Negotiated on the final approved amount based on property value, government programs and/or financial stability of consume
JPMorgan Chase
Loss Mitigation Short Sale Processor
05.2008 - 08.2011
Job overview
- Communicate with customer to determine what would be the best available option for them; modification, short sale, and/or payment arrangement in lieu of foreclosure
- Adequately advised customer of all government and/or privately program that they may qualified for mortgage assistance
- Advised customer of the needed documents and deadline associated with available programs
- Reviewed, order and dispute Appraisals
- Calculate income worksheet verse financial expenses
- Assist manger with process improvements and trained employees
- Continually received top performer in quality and productivity
Washington Mutual/JP Morgan Chase
Bankruptcy Specialist
01.2007 - 04.2008
Job overview
- Verified all court documents received and/or time stamped as needed for Motion of Stay, Motions of Release and/or dismissal
- Processed bankruptcy notices, dismissal, conversion to management, courts and/or attorneys
- Calendar date all deadline dates to ensure company meet al court date to prevent sanctions or unwanted collections practices
- Help to in initiate team time stamped procedure
Education
RoadMasters Truck Driving School309 Successful Dr, Fort Worth, TX 76140 United Sta
Certificate Of Technical Studies from Truck Driving
07.2023
Arlington Career Institute
Paralegal Diploma/License
10.2009
Court Reporting Institute of Dallas
Certified Stenographer
05.2006
Skills
- Teamwork
- Work under pressure
- Verbal/written communication
- Time Management
- Funding
- Customer service and assistance
- Strong interpersonal skills
- Organizing
- Data collection and analysis
- Encompass
- Multiple loan Programs
- Proficient in Microsoft Word
- Excel
- Office
- Mosaic Auto-Dialer
- 10-key by touch/sight
- Typing 55-60 wpm
- AS-400
- Equator
- MSP
- Lender Processing Systems
- Safety Compliance
- Commercial driving
- Clean Driving Record
- Professionalism and Punctuality
- Safe Driving Practices
- Fuel-efficient driving
- Vehicle inspection knowledge
- Vehicle maintenance and inspection
- Adaptability to weather conditions
- Freight Bill Reconciliation
- Log keeping
- Accident prevention strategies
- GPS navigation mastery
- Product deliveries
- Verbal and written communication
- Trip reporting
- Decision-Making Under Pressure
References
References upon request
Certification
- Air Brake Restriction Removal - [State] Department of Motor Vehicles.
- School Bus Endorsement (S) - [State] Department of Motor Vehicles.
- Hours of Service Compliance Training – Federal Motor Carrier Safety Administration.
- Safe Food Transport Training — Food and Drug Administration.
Timeline
OTR Truck Driver
Werner Enterprises
07.2023 - Current
School Bus Driver-Class B CDL (S&P endorsement)
Texas Central School Bus Company
03.2022 - 05.2023
REMOTE-Mortgage Closer Wholesale and Post Closer-Non-Delegated Analyst
HomePoint Financial
01.2021 - 02.2022
REMOTE-Closer
Stearns Financial
09.2020 - 01.2021
Closer/Funder/Post Closer/Loan Shipper
Guaranty Bank & Trust
01.2016 - 09.2020
Office Coordinator
Scape
01.2015 - 12.2015
Loss Mitigation Short Sale Negotiator
JPMorgan Chase
08.2011 - 09.2014
Loss Mitigation Short Sale Processor
JPMorgan Chase
05.2008 - 08.2011
Bankruptcy Specialist
Washington Mutual/JP Morgan Chase
01.2007 - 04.2008
Arlington Career Institute
Paralegal Diploma/License
Court Reporting Institute of Dallas
Certified Stenographer
RoadMasters Truck Driving School
Certificate Of Technical Studies from Truck Driving
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