Summary
Overview
Work History
Education
Skills
Timeline
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Rebecca Tolliver

Lancaster

Summary

Results-driven delivery professional with expertise in route optimization and exceptional customer service. Committed to timely package delivery while ensuring compliance and vehicle safety. Detail-oriented mortgage underwriter with extensive experience in compliance analysis and risk assessment. Proven ability to evaluate financial documents and collaborate with cross-functional teams to enhance underwriting efficiency.

Overview

23
23
years of professional experience

Work History

Driver

UPS
Dallas
09.2007 - Current
  • Delivered packages efficiently to designated locations within scheduled timeframes.
  • Operated delivery vehicles safely while adhering to traffic regulations and company policies.
  • Saved fuel by leveraging GPS to identify faster routes.
  • Achieved consistently high customer scores due to exceptional service.
  • Assisted with loading and unloading freight when necessary.
  • Monitored road conditions during trips to determine if any adjustments need to be made due to weather or traffic delays.
  • Picked up clients from specific locations to transport and drop off at destinations.
  • Inspected vehicles for mechanical items and safety issues, ensuring they are in proper working condition.
  • Delivered packages to customers in a timely and efficient manner.
  • Adhered to company policies and procedures related to safety and security standards.
  • Followed all applicable traffic laws, regulations, and defensive driving techniques while operating company vehicles.
  • Collaborated with warehouse staff to streamline package loading processes for timely dispatch.
  • Handled customer inquiries professionally while ensuring satisfaction during deliveries.
  • Collected payments for goods delivered or unloaded.
  • Loaded and unloaded merchandise efficiently to meet demanding route targets.
  • Performed activities on time while maintaining regular attendance and punctuality to support scheduling and work coverage.
  • Checked vehicle after shift for damage.

Mortgage Underwriter

Citizen Bank
Irving
04.2022 - 11.2024
  • Reviewed mortgage applications for accuracy and compliance with lending guidelines.
  • Analyzed borrower credit reports to assess risk and determine eligibility.
  • Collaborated with loan officers to gather necessary documentation for underwriting decisions.
  • Evaluated property appraisals to ensure fair market value and risk assessment.
  • Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
  • Requested additional information for applications and documents when necessary.
  • Collaborated with cross-functional teams on special projects involving underwriting initiatives.
  • Analyzed property appraisals to ensure value and condition meet loan requirements.
  • Conducted thorough reviews of self-employed applicants' income to ascertain sustainable earnings for loan repayment.
  • Participated in professional development activities such as webinars and seminars.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Updated client account information and records in company databases.
  • Informed customers of loan application requirements and deadlines.

Mortgage Underwriter

Hunter Consultant USA
Denver
05.2002 - 06.2020
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Developed loan contracts and explained contract terms to clients.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Prepared reports for customers with delinquent and irreconcilable accounts.
  • Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
  • Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.
  • Continuously improved underwriting processes through feedback and identification of efficiency gains.
  • Maintained up-to-date knowledge of changing lending regulations and guidelines.
  • Evaluated borrower's financial information, including credit history, income, and assets to determine loan viability.
  • Interpreted complex financial statements and tax returns to assess borrowers' financial stability.

Education

Associate of Science - Mortgage Banker of Science

North Lake College
Irving, TX
05-2010

High School Diploma -

John F Kennedy
Cleveland, OH
05-1992

Skills

  • Package delivery
  • Route optimization
  • Vehicle inspections
  • Mortgage underwriting
  • Compliance analysis
  • Customer service
  • Effective communication
  • Attention to detail
  • Problem solving
  • Financial analysis
  • Verbal and written communication
  • Heavy lifting
  • GPS and route planning
  • Transportation
  • DOT compliance
  • Safety protocols
  • Customer rapport
  • Flexible schedule

Timeline

Mortgage Underwriter

Citizen Bank
04.2022 - 11.2024

Driver

UPS
09.2007 - Current

Mortgage Underwriter

Hunter Consultant USA
05.2002 - 06.2020

Associate of Science - Mortgage Banker of Science

North Lake College

High School Diploma -

John F Kennedy

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