Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
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NICOLE WILSON

Summary

Mortgage professional managing high-volume of applicants in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Project Servicing Specialist

Innovative Emergency Management
03.2022 - Current
  • As a Servicing Specialist I am charged with overall operations management for servicing the NC Homeowner Assistance Fund (HAF) portfolio
  • Work within the Department's mission of encouraging home ownership and careful use of client's financial resources; and DCA's divisional goals of collection and recover funds for the Federal Housing Assistance (FHA) Program
  • In addition, I am responsible for the delivery of IEM's PAHAF Program goals and objectives and to maintain the progress, mutual interaction, and various tasks in such a way that reduces the risk of overall failure, maximizes benefits, and minimizes costs.

Mortgage Closer

Boston National Title Agency
07.2021 - 02.2022
  • As a mortgage closer I coordinated all phases of loan closing
  • My responsibilities included preparing loan closing packages, communicating with all parties involved in the transaction, and ensuring that all paperwork is complete, accurate, and in compliance with legal regulations.

Mortgage Closer

Freedom Mortgage
02.2021 - 04.2021
  • As a Loan Closer I am responsible for coordinating loan closings in compliance with company, FNMA, FHLMC, FHA, VA and industry standard rules and regulations.
  • I prepare legal documents and closing packages for Title companies and attorneys.

Mortgage Closer

Truist Bank
11.2019 - 02.2021
  • As a Mortgage Closer I'm responsible for the preparation of accurate closing documents and instructions
  • Calculate and prepare accurate HUD-1 documentation in partnership with closing agent
  • Analyze all closing loan file documentation for accuracy and compliance with regulatory requirements prior to sending closing package.

Document Curative Manager-MERS/Lien Release

Shellpoint Mortgage Servicing
06.2018 - 08.2019
  • As the Document Curative Manger, I'm responsible for overseeing the day-to-day operations of a specified set of accounts assigned by clients related to assignments and collateral documents
  • Managed and trained 14 staff members
  • I coordinate the successful movement, tracking and delivery of all collateral documents as well as managing the timely production of Assignments when required.
  • Must manage accurate reporting to multiple entities and oversee the timely and accurate production process of Vendors associated with document preparation, recording, shipping, and storage.

MERS/Lien Release Supervisor

PennyMac Loan Services
11.2013 - 05.2018
  • As a Lien Release Supervisor I am responsible for processing the recording of the reconveyance and satisfaction of lien releases
  • In addition, I audit vesting for accuracy and work closely with our outside vendor
  • I managed a team of 6 and closely monitored lien releases with counties in all 50 states.

Senior Collector II

Bank Of America Home Loans
02.2010 - 11.2013
  • Work independently to assist associates and customers with escalated issues ranging from early to late stage of delinquency
  • Communicate account information to frustrated customers ensuring accuracy, confidence and clarity.

Collection Account Manager

Chrysler Financial
12.2008 - 01.2010
  • Handle a high volume of out-bound and in-bound calls pertaining to the reconciliation and collection of delinquent commercial auto loan accounts
  • Prevent impending loss and increase profitability through negotiation and enforcement of scheduled collection campaigns
  • Process deferments and due date changes according to company policy.

Education

Bachelor of Science in Management -

University of Phoenix
09.2008

Associates of Science -

East Arkansas Community College
05.1995

Skills

  • Proficient in FDCPA and TCPA regulations
  • Loan Disbursement
  • Data Collection
  • Customer Account Review
  • File Management
  • Personal Data Collection
  • Mortgage Loan Processing
  • Financial Data Collection
  • Microsoft Office
  • Problem-Solving
  • Customer Communication
  • Closing Documentation
  • Customer Service
  • Mortgage Closing Scheduling
  • Decision-Making
  • Collection Practices
  • Tax Analysis

Accomplishments

  • Documented and resolved missing data from reporting which led to partnering with the App Dev department to automate applications to prevent inaccurate reporting .
  • Supervised team of 14 staff members.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Achieved monthly team goals through effectively helping with training, monitoring and mentoring staff.

Certification

  • Certified SAFE Training, OnCourse Learning - 2023

Timeline

Project Servicing Specialist

Innovative Emergency Management
03.2022 - Current

Mortgage Closer

Boston National Title Agency
07.2021 - 02.2022

Mortgage Closer

Freedom Mortgage
02.2021 - 04.2021

Mortgage Closer

Truist Bank
11.2019 - 02.2021

Document Curative Manager-MERS/Lien Release

Shellpoint Mortgage Servicing
06.2018 - 08.2019

MERS/Lien Release Supervisor

PennyMac Loan Services
11.2013 - 05.2018

Senior Collector II

Bank Of America Home Loans
02.2010 - 11.2013

Collection Account Manager

Chrysler Financial
12.2008 - 01.2010

Bachelor of Science in Management -

University of Phoenix

Associates of Science -

East Arkansas Community College

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NICOLE WILSON