Monica Ragins
Beaumont,CA
Summary
Experienced solutions-focused professional with a diverse background in banking, insurance, mortgage, and property management. Organized with enthusiasm for improving processes, saving time, reducing costs, and increasing quality. Team leader with interpersonal and management skills.
Overview
9
9
years of professional experience
Work History
Senior Production Coordinator
Mountain West Financial Inc.
Redlands, CA
08.2019 - 05.2022
- Wholesale operations broker support.
- Partnered with brokers in AZ, CA, CO, MN, NV, OR, TX, UT, WA.
- Created and maintained training for broker partners.
- Managed over 50 broker partner calls per day.
- Down payment assistance programs: AZIDA, CalHFA, CHFA, Diamond, Open Doors, SETH, UHC, and TDHCA.
- Jumbo and Non-QM products.
- Successfully identified discrepancies and recommended changes to broker partners.
Licensed Insurance Agent
Transamerica Agency Network
Columbus, OH
03.2018 - 11.2018
- Calculated quotes and educated potential clients on insurance options.
- Obtained underwriting approval by completing application for coverage.
- Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
- Attended continuing education courses and workshops to gain additional insurance industry knowledge.
- Top agent May 2018
Mortgage Underwriter
Peoples Bank
Westerville, OH
12.2016 - 04.2017
- Verified integrity of applicants' information to minimize fraud.
- Evaluated credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Deficiency quality well below company benchmark.
- Intermediary for operations and sales management.
- Managed 100% of internal and third-party vendor calls.
Mortgage Underwriter
Nationwide Bank
Columbus, OH
10.2015 - 12.2016
- Checked personal and team calculations to validate information and underwriting decisions.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Managed pipeline of 65 plus conventional, government, and portfolio loans from all 50 states.
Mortgage Loan Coordinator II
Huntington National Bank
Columbus, OH
03.2012 - 10.2015
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Managed USDA processing.
- Consistently closed 90% of pipeline monthly.
Education
Associate of Arts - Business Administration
Mansfield Business College
Akron, OH06.1986
High School Diploma -
North Senior High School
Akron, OH06.1984
Skills
- Audit & Compliance Analysis
- Banking & Cash Handling
- Coaching & Mentoring
- Customer Service
- BOLT, DU, FHA Connection, Encompass, GUS, LPA, Meridian Link Mortgage
- Leasing & Rent Collections
- Retirement Planning
- Verbal & Written Communications
Timeline
Senior Production Coordinator
Mountain West Financial Inc.
08.2019 - 05.2022
Licensed Insurance Agent
Transamerica Agency Network
03.2018 - 11.2018
Mortgage Underwriter
Peoples Bank
12.2016 - 04.2017
Mortgage Underwriter
Nationwide Bank
10.2015 - 12.2016
Mortgage Loan Coordinator II
Huntington National Bank
03.2012 - 10.2015
Associate of Arts - Business Administration
Mansfield Business College
High School Diploma -
North Senior High School
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