Pauline Tyrell-Timley
Mableton,GA
Summary
Highly knowledgeable, adept and experienced reviewing, preparing, conforming, finalizing and submitting loan documentation and records timely and efficiently. Liaises between potential clients and the institution obtaining positive resolutions with clear communication, and effective problem- solving skills. In-depth understanding of relevant procedures, rules, and regulations with strong attention to detail and customer focus ensuring a healthy organizational bottom line.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Processor II
Truist Bank
10.2019 - 11.2022
- Perform review client application and document according to guideline checklist. Review and understand DU/LPA and GUS findings.
- Check for completion and accuracy of application, assets and income.
- Conduct welcome calls and provide client with follow ups.
- Communicated with management, Loan Office, Underwriter and close on pipeline updates.
- Close 25%-40% of 60 loan pipelines successfully.
- Coordinated closing process with attorneys, title companies and government clerks.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments. Working with FA/VA/Bond/Doctor/USDA and Premier Loan
Personal Caregiver
Parent
07.2017 - 09.2019
- Maintained clean, safe, and well-organized patient environment. Provide healthy balance meals.
Underwriter Assistant
Angel Oaks
12.2017 - 07.2018
- Verified data integrity and accuracy
- Analyze income, rental income, assets, tax transcripts, Credit report.
- Ensure that client files were complete and accuracy according to guidelines.
- Review DU or LPA findings, make sure that all findings are fulfilled before proceeding to underwriter.
- Schedule closing, order Mortgage Insurance, Appraisals, Flood Certs and assist post-closing request. Collect required documentation from clients and follow up on missing items.
- Notified all parties when new or updated information is received and cleared conditions per company policy.
- Established constant communication with client, Loan Originators, Underwriters and closing department.
Loan Coordinator/Sales Assistant
BankSouth Mortgage
06.2016 - 12.2017
- Review and ensuring that all documentation promote efficiency and accuracy.
- Order and Analyze Appraisal, Flood Cert, 4506-T, Case number, System for Award management (SAM), Credit Report, income, VOD, VOR, VOE, DU and LPA. Effectively communicate status to all parties involved.
- Assist in retrieving documentation for Post-Closing Department.
- Improved operations by working with team members and customers to find workable solutions.
- Training and Cross-training new and senior employee on procedures and policies.
- Collaborated on policy, layout of checklists and some procedures.
Senior Wholesale and Retail Loan Processor/Auditor
FIDELITY BANK
08.2012 - 06.2016
- Worked with FHA/VA/USDA/DPA and conventional loans. Compiled and analyzed required documentation from clients and third parties for outstanding conditions.
- Analyzed income, rental income, assets, tax transcripts and credit reports. Reviewed and Compared LE fees, and Attorney fees.
- Effectively managed more than 50 client relationships. at any given time, Monitoring and updating pipeline ensuring crucial deadline requirements.
- Communicated effectively status and conditions to Loan Officers, Underwriters and clients.
- Reviewing and understanding AUS or LPA findings, and resolved issued for Freddie Mac and Fannie Mae.
HARP Processor
Randstad/ SunTrust Mortgage
01.2011 - 01.2012
- Verified client documentation for accuracy prior to submitting to underwriter. Liaison between Loan Originators, Underwriters and clients.
- Reviewed title commitments for correct vesting verbiage, and reviewed trust documentation.
- Researched and obtained releases for any liens found to be associated with subject property.
- Maintained pipeline of 30-40 loans consistently.
- Ensured loan package complies with all investor, RESPA, HMDA, Fair Lending, ECOA, HUD and VA policies, procedures, rules and regulation.
Education
Associate of Science - Drafting Technology
NAMU National Association of Mortgage
Hollywood05.2020
Associate of Science - Architectural/ Mechanical Drafting Technology
ITT Technical Institute
Kennesaw, GA05.2010
Skills
- Strong attention to details and accuracy
- Excellent interpersonal leadership and problem solving
- Self-Motive and function well in team environment
- Knowledge of FHA/VA / USDA and conventional guidelines
- Client Follow-up
- Demonstrate high leadership skills, Customer service
- Quality assurance
- Regulatory Compliance
- Time management
- Data Analysis
- Residential Mortgage Lending
Timeline
Mortgage Loan Processor II
Truist Bank
10.2019 - 11.2022
Underwriter Assistant
Angel Oaks
12.2017 - 07.2018
Personal Caregiver
Parent
07.2017 - 09.2019
Loan Coordinator/Sales Assistant
BankSouth Mortgage
06.2016 - 12.2017
Senior Wholesale and Retail Loan Processor/Auditor
FIDELITY BANK
08.2012 - 06.2016
HARP Processor
Randstad/ SunTrust Mortgage
01.2011 - 01.2012
Associate of Science - Drafting Technology
NAMU National Association of Mortgage
Associate of Science - Architectural/ Mechanical Drafting Technology
ITT Technical Institute
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