Monique Cunningham
Virginia Beach,VA
You know you are on the road to success if you would do your job, and not be paid for it.
Oprah Winfrey
Summary
A tenacious, detail-oriented and dynamic business professional seeking a leadership role, where management with an established industry leader offers career advancement. Committed to delivering quality results and driven by high standards and an opportunity to platform my exemplary communication, organizational and leadership skills. Over 15 years of client service, sales, and team leadership experience. Lead and cultivate a strong team environment fostering relationships enriched in company culture amongst teammates. Over eight years of loan processing experience, including senior level and team leadership. Consistently supersede benchmark goals while maintaining efficiency and accuracy while processing client data. Effective communication skills both written and verbal, in addition to exemplary interpersonal skills. Exuding and fostering a high level of energy and morale with colleagues to drive sales growth. Leading motivational meetings while skill developing and training teammates. Provide support to loan officers and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Analyze and verify client provided documentation, to ensure compliance with company policies, underwriting guidelines and lending-program requirements. Liase between sales, underwriting and various third parties while providing expedient service cited as key to consistently high customer satisfaction.
Overview
16
16
years of professional experience
Work History
Team Lead
Movement Mortgage LLC
04.2021 - Current
- Minimized resource and time losses by addressing employee or production issue directly and implementing timely solutions.
- Trained new team members by relaying information on company procedures and safety requirements.
- Coached team members in techniques necessary to complete job tasks.
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Held weekly team meetings to inform team members on company news and updates.
- Monitored time and attendance, enforcing compliance with company procedures relating to absenteeism.
- Promoted high standerds through personal example to help each member understand expected behavious and standards.
- Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
Senior Mortgage Loan Processor
Movement Mortgage LLC
08.2020 - 04.2021
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Prepared file for final clear-to-close by branch management.
- Communicated with originator and applicant concerning progress of loan file.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Reviewed and validated details of loan applications and closing documentation.
- Processed mortgage loan applications accurately and successfully for over 6 years.
Senior Mortgage Loan Processor
Atlantic Bay Mortgage Group LLC
08.2017 - 07.2020
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
- Educated customers on loan services and regulations to confirm compliance.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Mortgage Loan Processor
Movement Mortgage LLC
11.2015 - 08.2017
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Communicated with originator and applicant concerning progress of loan file.
- Prepared file for final clear-to-close by branch management.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Affirmed loan document accuracy to protect lenders from potential fraud.
Business Manager
Dillard’s
12.2013 - 11.2015
- Communicated with customers and vendors positively with particular attention to problem resolution.
- Created, managed, and executed business plan and communicated company vision and objectives to motivate teams.
- Developed initial sales roadmaps and market strategies to promote successful product launches.
- Assisted with hiring process and training of new employees.
- Oversaw and improved deliveries through proactive coordination of daily operations.
- Interacted well with customers to build connections and nurture relationships.
- Assisted in recruiting, hiring and training of team members.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
Boutique Owner/Wardrobe Stylist/Senior Interior Designer
Kuhmeeleeuhn Boutique & Design LLC
06.2008 - 10.2015
- Analyzed customer requirements to determine which products or services would provide best fit.
- Displayed consistent, positive attitude towards customers, peers, and other personnel, even during high-stress situations.
- Advised customers about new products and assisted customers in determining best pre-planning product for needs.
- Established strong customer relationships, building recommendations and loyalty.
- Called prospective clients in market area to explain products offered and qualify leads.
- Followed up on customers' inquiries to assess satisfaction with provided solutions.
- Excellent communication skills, both verbal and written.
Pre-Need Funeral Director
Homesteaders Life Company
11.2014 - 03.2015
- Discussed pre-arranged funeral options and explained pricing to clients.
- Promoted funeral service merchandise such as caskets, urns, outer burial containers and flowers
- Followed up with customers after completed sales to assess satisfaction and resolve technical or service concerns..
- Built rapport with customers and assessed needs to make product recommendations and upsell.
- Educated customers about product features and benefits to aid in selecting best options for each individuals' needs.
- Generated new leads through networking and attending industry events.
- Used customer insights to develop innovative sales strategies to increase sales.
- Arranged funeral/memorial services for grieving families to meet budget and memorialized instructions.
Education
Bachelor of Science - Business Administration
Cum Laude
- Honor Roll Fall 2020, Spring 2021, Summer 2021, Fall 2021, Winter 2021
- summa cum laude graduate
Associate of Science - Business Administration And Management
Phi Theta Kappa, Business Honor Fraternity-May 2000
Cum Laude
- cum laude graduate
Associate of Science - Mortuary Science And Embalming
Sigma Phi Sigma, Mortuary Honor Fraternity-December 2002
- summa cum laude graduate
Skills
- Production monitoring
- Resource Allocation
- Key performance indicators
- Employee Evaluation
- Client Service
- Daily workflow improvement
- Dependable and Responsible
- Sales expertise
- Performance improvement
- Account management
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Team Lead - Movement Mortgage LLC
04.2021 - Current
Senior Mortgage Loan Processor - Movement Mortgage LLC
08.2020 - 04.2021
Senior Mortgage Loan Processor - Atlantic Bay Mortgage Group LLC
08.2017 - 07.2020
Mortgage Loan Processor - Movement Mortgage LLC
11.2015 - 08.2017
Pre-Need Funeral Director - Homesteaders Life Company
11.2014 - 03.2015
Business Manager - Dillard’s
12.2013 - 11.2015
Boutique Owner/Wardrobe Stylist/Senior Interior Designer - Kuhmeeleeuhn Boutique & Design LLC
06.2008 - 10.2015
Virginia Commonwealth University - Bachelor of Science, Business Administration
Tidewater Community College - Associate of Science, Business Administration And Management
Gupton-Jones College of Funeral Service - Associate of Science, Mortuary Science And Embalming
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