NEFATITI BOONE
Charlotte,NC
Summary
In my 18yrs of being in the mortgage industry , I have become a strong team player as well as a proven leader. I demonstrate a positive outlook and look forward to new challenges everyday on the job. I am very knowledgeable in the use of automated underwriting systems and remain abreast of all fannie mae, Freddie mac, FHA, VA and USDA guidelines and requirements along with changes in federal and state regulations. I am a fast learner and extremely proficient with task laid before me, which allows me to obtain whatever goal is set for me.
Overview
19
19
years of professional experience
Work History
Senior Loan Processor
Wyndham Capital Mortgage
Charlotte , NC
06.2019 - Current
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Provided quick turnaround times to maintain fast-past schedule.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Senior Loan Processor
Calatlantic Mortgage / Lennar Homes
Charlotte, NC
06.2016 - 01.2019
- Processed loans once initial underwriting approval was given , managed a pipeline of 50-75 loans, also required to worked loans 30 to 90 days out .
- Assigned to Jumbo team worked with several investors including Chase, Everbank, BB&T , Wells Fargo etc. to obtain secondary approval , processed only Purchases/New Builds and Relo's .
- Reported directly to the Builders, Branch Managers , Sales Consultants , Loan officers and Closing Coordinators (Florida only).
- Reviewed bank statements, pay stubs, tax returns , credit reports, purchase contracts,and all regulated documents, required to have credit approval within 30 days of application date.
- Ordered title , appraisal , insurance, verification of employments, Coe, FHA case numbers and all corrections.
- Required to process the following types of loans FHA,VA,usda,Bond,Conventional, MCC , and Reverse mortgages.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues. While maintaining 95 %- 100 % customer satisfaction score.
Operations/Closing Team Lead
Movement Mortgage, LLC
Charlotte, NC
07.2012 - 12.2015
- Interviewed , trained and mentored new processors/closers. Training also included client satisfaction, products and services, systems and company policies and procedures.
- Trained junior closers on how to review title commitment,E&O,wiring instructions,ICL,vesting , judgments/liens, easements,pud/condo riders and secure closing package to title companies
- Instructed closers how to compare HUD to TIL, Respa tolerance,adjusting fee screen, clearing closing conditions, review hoi/taxes, rate expiration ,payoffs and all closing disclosures.
- Effectively Managed a Team of 10-15 junior loan processors.
- Reviewed daily and weekly pipeline reports.
- Facilitated weekly loan pipeline meetings for credit , loan , compliance ,and lending updates.
- Conductedmonthly and quarterly reviews.
- Managing and monitoring team attendance , payroll approval , vacation request and HR issues.
- Set expectations , provided coaching , development and two-way feedback to motivate a high performance and productivity.
- Provided a high level of product and leadership support to loan originators ,and underwriting department.
- Resolved customer questions , issues and complaints.
- Communicated daily with realtors, builders , attorney offices and title companies.
- Reviewed all junior processors loans before underwriting submissions.
- Developed new strategies for the team to reach its goals. Inspired each and every team member to perform and produce their best.
- Managed the flow of day to day operations.
Senior Loan Processor/ Senior Closer
JPmorgan Chase
Columbus, OH
10.2001 - 04.2012
- Reviewed and verified borrowers income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.
- Responsible for clearing conditions and issuing changes to the terms of previously approved loans.
- Evaluated debt ratio, loan to value ratios , credit scores, property valuations and various other factors.
- Coordinated closings with borrowers , attorney/title offices, and other 3rd parties.
- Prepared , reviewed and ensured the timely delivery of all loan disclosures to clients in accordance with all governmental and investor requirements.
- Addressed and resolved customer product complaints , defusing volatile customer situations empathetically and professionally.
- Maintained an average pipeline of 50-100 loans consistently exceeding monthly goals.
- Transferred to closing dept before departing reviewed title commitment,E&O,wiring instructions,ICL,vesting , judgments/liens, easements,pud/condo riders and secure closing package to title companies
- Compared HUD to TIL, Respa tolerance,adjusted fee screen, cleared closing conditions, review hoi/taxes, rate expirations ,payoffs and all closing disclosures.
- Managed a pipeline of 25-50 loans while in closing dept
Education
Associate of Arts - Business
Franklin University
Columbus, OH2000
High School Diploma - undefined
Beechcroft High School
Columbus, OH1998
Skills
Team Building and Leadership
Team Management
Training and Development
Strategic Planning
Strong Analytical ability
Deadline Oriented
Time Management
Strong Communication/Customer Service skills
Highly organized
Effective Multi-tasker
Timeline
Senior Loan Processor
Wyndham Capital Mortgage
06.2019 - Current
Senior Loan Processor
Calatlantic Mortgage / Lennar Homes
06.2016 - 01.2019
Operations/Closing Team Lead
Movement Mortgage, LLC
07.2012 - 12.2015
Senior Loan Processor/ Senior Closer
JPmorgan Chase
10.2001 - 04.2012
Associate of Arts - Business
Franklin University
High School Diploma - undefined
Beechcroft High School
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