Nicole Tucei
Pensacola,FL
Summary
Flexibility to handle new systems, equipment and situations. Proficient in computer programs: Empower, Va/Weblgy, Unifi, Empower (Blackknight) Homesquad, Jetpack, WordPerfect, Notes, Avaya, UAD, Sessions, QuickBooks, AdobePro and Microsoft Office products. Team Player with strong background of member service. Proficient knowledge of Navy Federal products, services, policies and procedures. Excellent interpersonal, verbal and written communication skills with a focus on member service. Experience in fast-paced environments that depend on efficiency and accuracy.
Overview
11
11
years of professional experience
Work History
Mortgage Processor II/III Refinance
Navy Federal Credit Union
05.2018 - 09.2024
- Products with extensive knowledge: Purchase and Refinance Conventional (Primary Residence, investment, second home), new construction (post build refinance), VA cash out, IRRRL, Equity (Fixed equity and HELOC)
- Analyze, research and resolve problems and discrepancies related to member accounts/loans
- Collect, review and verify documentation for mortgage applications based on product parameters
- Interact with members, other staff and outside contacts to resolve discrepancies, problems & issues
- Monitor mortgage loan process and ensure compliance with Federal laws, as well as, Navy Federal, NCUA and secondary market practices, guidelines and regulations
- Prepare loan activity reports
- Prepare loan closing documents for settlement and coordinate settlement dates with members, attorneys and realtors
- Process mortgage applications according to established laws, requirements, & guidelines
- Provide mortgage information to members regarding products, services, policies & rates
- Resolve changes, revisions and corrections with closing agents and settlement attorneys to ensure accurate and efficient processing of mortgage loans
- Advise members on best loan options based on needs
- Assist in creating procedures to streamline processes that improve efficiency
- Train, coach and develop peers or new employees
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Educated customers on loan services and regulations to confirm compliance.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Processed mortgage loan applications accurately and successfully for over 6 years.
- Reviewed and validated details of loan applications and closing documentation.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Delinquency Control Counselor IV
Navy Federal Credit Union
08.2016 - 05.2018
- Coach, develop and train peers; document and communicate updates to management.
- Provide superior member service via telephone to research, counsel and reach mutual payment agreements.
- Provide support to Assistant Supervisor/Supervisor by completing daily leadership job duties for the overall team success.
- Maintained high volume of calls and met demands of busy and productive group.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Verified compliance with relevant laws, regulations and best practices related to customer account management.
- Maintained consistently high success rate of collecting on overdue accounts.
- Negotiated payment plans with customers to prevent accounts from entering collections.
- Developed strong relationships with customers to foster timely payments and account resolution.
- Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
Office Manager
Aqua Marine Techs, LLC
05.2015 - 04.2016
- Support company operations by maintaining office systems and managing staff production.
- Maintained Office services by organizing office operations and procedures.
- Maintained and approved weekly payroll for staff.
- Designed and implemented office policies by establishing standards and procedures.
- Achieved financial objectives by scheduling expenditures, analyzing variances and initiating corrective actions.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Defined clear targets and objectives and communicated to other team members.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Assisted in organizing and overseeing assignments to drive operational excellence.
Legal Assistant
Young, Bill, Roumbos & Boles, PA
02.2014 - 04.2015
- Maintained all daily operations for multiple attorneys.
- Designed and maintained reports for daily use.
- Conducted investigations and research.
- Handled office scheduling and made notes for deadlines, motions, and other important dates.
- Managed accounts and client records of clients, observing confidentiality, and extreme discretion.
- Assisted attorneys with reviewing and organizing witness reports.
- Researched statutes, decisions, legal articles, and codes.
- Revised and finalized letters, briefs, and memos.
- Prepared various exhibits for attorneys for public meetings, zoning commission meetings, and legal resolutions.
- Produced legal documents such as briefs, pleadings and appeals.
- Developed polished motions and briefs to support litigation processes and court proceedings.
- Reviewed, edited and proofread litigation for proper grammar, spelling and punctuation.
Intern- Information Assurance On-boarding Speciali
Department of the Navy
02.2014 - 04.2015
- Acted as liaison between Information Assurance department and other work areas to resolve technical matters.
- Assisted in projects to streamline processes of systems that effected multiple departments and touched international users.
- Ensured compliance was meant for all system users and administrators.
- Created, implemented and maintained information for reporting and tracking of projects.
- Audited systems for compliance of users.
- Assisted in reviewing system certification and accreditation documentation using checklists.
- Created smooth onboarding processes to help new hires adjust to company policies, procedures and processes.
- Put together employee files and collected required digital or physical information to meet requirements.
- Worked closely with new hires, answering questions and addressing various concerns during onboarding process.
- Improved organizational filing systems for confidential employee records, resulting in improved accessibility and efficiency.
- Improved office efficiency by effectively managing internal communications and correspondence.
- Developed and implemented onboarding and orientation programs for new employees.
Education
Bachelor of Applied Science- Business- Health Care Management - undefined
Pensacola State College
Pensacola, FL01.2015
Associates of Art - undefined
Pensacola State College
Pensacola, FL01.2012
Skills
- Salesforce proficiency
- Conflict resolution techniques
- Underwriting knowledge
- Collaboration and Teamwork
- Residential mortgage lending regulations
- Appraisals
- Financial document review
- Policy Adherence
- File Management
- Legal Compliance
- Created reports
- Title Examination
- Appraisal review
- Pipeline Management
- Processing procedures
- Information Verification
- Generating Reports
- Financial Counseling
- Payroll Processing
- Legal knowledge
Timeline
Mortgage Processor II/III Refinance
Navy Federal Credit Union
05.2018 - 09.2024
Delinquency Control Counselor IV
Navy Federal Credit Union
08.2016 - 05.2018
Office Manager
Aqua Marine Techs, LLC
05.2015 - 04.2016
Legal Assistant
Young, Bill, Roumbos & Boles, PA
02.2014 - 04.2015
Intern- Information Assurance On-boarding Speciali
Department of the Navy
02.2014 - 04.2015
Bachelor of Applied Science- Business- Health Care Management - undefined
Pensacola State College
Associates of Art - undefined
Pensacola State College
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