Noreen A Carnley
Pensacola,US
Summary
Accomplished Consumer Loan Specialist at Zillion Technologies, leveraging strong analytical skills and decision-making aptitude to maintain accuracy in loan servicing processes. Excelled in time management and teamwork, significantly contributing to team production and enhancing loan servicing efficiency. Proven adaptability in learning new processes and procedures, ensuring seamless loan servicing and member satisfaction.
Overview
9
9
years of professional experience
Work History
Consumer Loan Specialist
Zillion Technologies
02.2024 - Current
- Proficiency in Navy Federal consumer lending principles and financial practices which assist in maintaining High level audit scores of 98% accuracy month to month and insuring the mitigation of risk to the Credit Union
- Expert level multi-tasking, adaptability and time management skills to maintain compliance and role responsibilities, such as maintaining Service Level Agreements and production standards.
- Exercise accounting techniques with a high degree of efficiency such as the crediting and debiting of accounts and general ledgers when processing ACH Returns, Internal Transfers, Loan Cancels, Reinstatement of Loans and Affiliates.
- Utilizing good judgement when complex situations arise in the analysis of member loan accounts.
- Collaborate within the Member Contact Center and with other departments to obtain loan level information and to resolve issues.
- Continuously updated knowledge of Fair Lending and Consumer Loan Practices through professional development training courses.
- Interpersonal, written and verbal communication within team and various departments
Closing Assistant/Junior Closer
Anchor Title and Escrow
05.2023 - 02.2024
- Reviewed and cleared title to obtain owner and lender title insurance policies
- Created preliminary CDs and balanced with lender's CD to fund loans
- Entry of Fees, Client Data in SoftPro
- Calculated loan payoff per diem's and prorated property taxes, and HOA dues for seller and buyer statements.
- Created Buyers and Seller Statements
- Data Entry of Invoices and fees associated with title processing
- Streamlined escrow closing processes by implementing efficient document management and communication strategies.
- Collaborated with real estate agents, loan officers, and attorneys to confirm accurate fundings, lien payoffs and final mortgage document.
- Recorded deeds, mortgages, and drafted other various documents required to clear title.
- Learned closing, funding and title procedures from contract to signing buyers and sellers at the closing table in less then a year.
Team Lead of Due Diligence/Loan Setup/Compliance
Evolve Mortgage Services FNA MRN
07.2015 - 08.2022
- Managed the daily activities for the Due Diligence, Loan Setup, Compliance, and 3rd Party Services departments; oversaw loan set-up, fraud reporting, third party re-verifications, and loan issue escalations
- Reviewed borrower credit and closing packages for the compliance requirements of various loan products, including but not limited to VA.FHA, Conventional Loans.
- Interpersonal, verbal and written communication to staff, 3rd party vendors and upper management.
- Resolved UW escalations, including requesting and receiving documentation needed for UW decisioning.
- Analyzed financial documents to ensure compliance with Loan Products and UW requirements
- Assigned daily workload to over 200 auditors and underwriters throughout the entire company and ensured all assignments were completed before SLA expired.
- Mentored/coached junior staff to meet established goals and monitor performance levels; regularly exceeded all established SLA times and production standards.
- Ordered and reviewed Risk Manager and FraudGuard Reports, VOE's, VOD's, Credit Refreshes, Appraisal Field and Desk Reviews, Tax Transcripts, 4506C Requests.
Education
Associate of Science - Legal Studies
Pensacola State College
Pensacola, FLHigh School Diploma -
Vintage High School
Napa, CAConsumer Lending - Certification of Completion
ELearning
Online Skills
- Decision Making
- Analytical and Research Skills
- Regulatory Compliance
- Quality Assurance
- Fraud Detection Skills
- Loan Modification
- Compiling and Preparing data
- Member Account Management
- NFCU Consumer Lending Processes and Tasks
- NFCU Consumer Lending Software and Databases
- Member Service
- Time Management
- Adaptability and Flexibility
- Accounting Calculations
- G/L Entry of Debits and Credits
- NFCU Consumer Loan Product Knowledge
- Bonded and Insured Florida Notary
Accomplishments
- Created and Collaborated with IT to creates sections/pages in our own proprietary database that would enable staff to create Risk Manager/FraudGuard in-house, which would utilize data already entered.
- Sphere-headed the setup of an Evolve Office in Trinidad and Tobago, training and mentoring 11 new auditors via Skype whom had no experience in the field.
- Responsible for starting the Loan Set-up Department and creating processes and manuals for the requirements of various loan products and then training my staff.
- Earned role of Team Lead over Compliance, Loan Set-up, Due Diligence and 3rd party service departments after only 3 years at company.
- Created Manuals for Risk Manager and FraudGuard reports
Timeline
Consumer Loan Specialist
Zillion Technologies
02.2024 - Current
Closing Assistant/Junior Closer
Anchor Title and Escrow
05.2023 - 02.2024
Team Lead of Due Diligence/Loan Setup/Compliance
Evolve Mortgage Services FNA MRN
07.2015 - 08.2022
Associate of Science - Legal Studies
Pensacola State College
High School Diploma -
Vintage High School
Consumer Lending - Certification of Completion
ELearning
Similar Profiles
SiriBhargavi SirikondaSiriBhargavi Sirikonda
Senior Business Analyst / Scrum Master at Zillion TechnologiesSenior Business Analyst / Scrum Master at Zillion Technologies
Chris LargeChris Large
Mortgage Operation Support Assistant at Zillion Technologies/Navy Federal Credit UnionMortgage Operation Support Assistant at Zillion Technologies/Navy Federal Credit Union
Alexys ThorntonAlexys Thornton
SR. UX Writer at Zillion Technologies (Navy Federal Credit Union)SR. UX Writer at Zillion Technologies (Navy Federal Credit Union)