Ramona Ross
Financial Professional
Desoto,TX
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. History of being effective team member with full understanding of underwriting process and team needs. Well-versed in using Excel to create and update tracking spreadsheets. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
14
14
years of professional experience
Work History
Underwriter Assistant/Underwriter
Planet Home Lending
10.2019 - 06.2022
- Complete a thorough analysis of a mortgage loan to determine compliance with company investor Agency for Conventional, FHA, VA and streamline loans
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Monitor rate lock expiration dates to ensure loan close and fund prior to expiring
- Escalate loan scenarios to Senior UW management when necessary
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Manage pipeline daily to adhere to company production goals
Home Loan Specialist III
PennyMac Loan Services
06.2015 - 10.2019
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Fielded customer complaints and provided solutions.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Communicate clearly and effectively with customers, managers, loan officers, title companies and other third-party vendors
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Reviewed loan files and updated to match current standards.
Processing Manager
Genpact Mortgage Services
03.2012 - 06.2015
- Mentored departmental team, boosting efficiency, success and morale among employees.
- Knowledgeable with HARP, Conventional ,FHA and VA Guidelines
- Created production schedules to effectively fulfill production plans and meet process goals.
- Adhered to all applicable compliance and regulatory requirements.
- Cross-trained loan processors to perform detailed analysis through paperless environment of all loan components of the file to ensure the quality of each loan for completeness, accuracy and integrity while ensuring that documents are consistent with industry guidelines
- Collected confidential financial information from clients to construct comprehensive financial plans.
- Evaluated and assessed employee performance to meet production and data targets.
Special Education Teacher Assistance
Dallas County Juvenile Justice Charter School
05.2008 - 03.2012
- Partnered with standard education teachers from across academic departments.
- Distribute Accommodations and IEPs to General Education Teachers
- Request and review information from home school on detained students
- Contact parents to schedule timely ARD meetings for Special Education Services
- Modified general education curriculum for special-needs students using various instructional techniques and technologies.
- Coordinated special education students and teacher assistant schedules with master schedule.
- Cultivated connections and strong student rapport to foster classroom engagement, in addition to recording student progress to inform parents and school administration.
Education
Some College (No Degree) - Office Information System
University of Louisiana At Monroe (Northeast Louisiana University)
Monroe, LaSkills
- Strong leadership and motivational skills
- Data Integrity
- Conflict Resolution Techniques
- Customer Experience
- Time Management
- Computer skills (Microsoft Office Products, Windows XP, Fraud Guard Drive Report, AUS, FHA Connection, Oracles, Lexis Nexus, Calyx, Encompass, MLS, LDP/GSA)
Additional Information
- License: , Real Estate Agent – Texas Six Sigma Trained and Tested – September 2013
Timeline
Underwriter Assistant/Underwriter
Planet Home Lending
10.2019 - 06.2022
Home Loan Specialist III
PennyMac Loan Services
06.2015 - 10.2019
Processing Manager
Genpact Mortgage Services
03.2012 - 06.2015
Special Education Teacher Assistance
Dallas County Juvenile Justice Charter School
05.2008 - 03.2012
Some College (No Degree) - Office Information System
University of Louisiana At Monroe (Northeast Louisiana University)
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