Hi, I’m
SIERRA P. BROWN
Arlington,TX
Choose a job you love, and you will never work a day in your life.
Confucius
Summary
A goal setter who never settles for less. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Dedicated Mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
14
years of professional experience
1
Certificate
Work History
Bank of AmericaPlano, TX
Project Review Specialist/ Manual Underwriter
07.2022 - Current
Job overview
- Collect appropriate and accurate information required to assess potential clients
- Prepare reports that detail risk assessment findings that contribute to final decisions
- Compare various policies having similar risk undertaking and conduct actuarial studies to decide on company’s loss records
- Evaluate policies with regards to company’s underwriting standards
- Decide to accept, modify, or reject insurance application after scrutiny of all required documents and studies regarding risk involved
- Carefully select wording of policies and prepare terms and conditions
- Properly Assess and analyze client's background information
- Use professional techniques and strategies to calculate risk associated with client policies
- Shows initiative in daily tasks, does not need direction to be productive
- Continually looks for ways to improve upon processes
- Ensure appropriate documenting of all legal, compliance and credit risks per guidelines and approvals
- To protect company risk against financial loss by operating sound underwriting practices
- Follow procedures and guidelines to ensure client’s service standards are met in accordance with SLA
- Identified issues, analyzed information and provided solutions to problems
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
- Maintained excellent attendance record, consistently arriving to work on time
- Conducted research, gathered information from multiple sources and presented results
Interest Mortgage LLCFort Mill, SC
Senior Mortgage Loan Processor
11.2021 - 06.2022
Job overview
- Set up and completed loan submission packages
- 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
- Handled any conditions sent from underwriting departments
- Oversaw file input in mortgage software and grant-specific software
- Maintained compliance with privacy and security requirements, as well as federal statutes covering Conventional loans
- Completed denial and cancellation procedures on applicable files
- Prepared file for final clear-to-close by branch management
- Received on-going, comprehensive training on home loan products and mortgage process
- Produced and submitted completed loan packages to title and escrow professionals
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations
- Reviewed and validated details of loan applications and closing documentation
Caliber Home LoansIrving, TX
Direct to Broker Loan Processor
06.2020 - 10.2021
Job overview
- Resolved problems, improved operations and provided exceptional service
- Maintained energy and enthusiasm in fast-paced environment
- Learned new skills and applied to daily tasks to improve efficiency and productivity
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
- Resolved conflicts and negotiated mutually beneficial agreements between parties
- Used critical thinking to break down problems, evaluate solutions and make decisions
- Increased customer satisfaction by resolving issues
Keller Williams, Hewitt GroupArlington, TX
Disposition Manager of Investments & Acquisitions
12.2019 - 01.2020
Job overview
- Manage financial performance of income-producing properties over entire life-cycle of investments from acquisitions to dispositions
- Communicate with Title; Arrange and oversee Post closings
- Write Contracts and Deals for Investors
- Create CMAs-Comparative Market Analysis
- Increased productivity by 75% by creating and implementing new operating procedures-streamlined processed
JPMorgan ChasePlano, TX
Business Operation Analyst / Risk & Fraud Management
11.2017 - 07.2019
Job overview
- Minimizing financial losses to Chase Commerce Solutions by monitoring merchant trends and activities
- Assess Risk Exposure and Initiate Risk reviews when deemed
- Review Chargebacks, Reversals, ACH Rejects and Retrievals
- Place/Remove Funds holds and Reserves
- Researches and communicates with internal and external customers to resolve issues
- Investigates and communicates with internal and external customers to resolve issues
- Assists in implementation of new projects and processes within work unit
- Drove operational improvements which resulted in savings and improved profit margins
JPMorgan ChaseFort Worth, TX
Reconciliation Analyst
10.2014 - 11.2017
Job overview
- Reconciles Accounts - balances complex general ledger accounts and reconciles outstanding items with little supervision
- Reconciles general and subsidiary bank accounts by gathering and balancing information
- Provides financial status information by preparing special reports; completing special projects
- Corrects errors by posting adjusting journal entries
- Maintains general ledger accounts by reconciling accounts receivable detail and control accounts; adjusting entries for amortizations prepaids; analyzing and reconciling retainage and accounts payable ledgers; preparing fixed asset depreciation and accruals
- Maintains accounting controls by following policies and procedures; complying with federal, state, and local financial legal requirements.
JPMorgan ChaseArlington, TX
Processor / Closer- Hybrid
08.2011 - 10.2014
Job overview
- Preparing and reviewing loan closing packages and paperwork.
- Ensuring accuracy and completeness of all required documents.
- Managing and resolving any concerns, problems, and documentation issues.
- Acting as Intermediary between all parties involved in mortgage loan transactions.
- Ensuring closing details comply with state and federal regulations.
- Coordinating mortgage closing proceedings.
- Maintaining accurate closing schedules.
JPMorgan ChaseIrving, TX
Mortgage Default Specialist
02.2011 - 08.2011
Job overview
- Interviewed clients by telephone or in-person to gather financial information
- Responded to client concerns and questions about credit scores and methods to improve numbers
- Answered over 150 customer communications per day via telephone, email and web chat
- Calculated clients' available monthly income to meet debt obligations
- Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt
JPMorgan ChaseArlington, TX
Title Examiner
12.2010 - 02.2011
Job overview
- Examined and verified 26 titles weekly
- Contacted appropriate agencies to complete searches, order records and obtain documents
- Searched and analyzed real estate records
- Calculated and remitted state sales tax, service and other charges
- Assisted with preparation and submission of affidavits, deeds and other records for land purchases
- Coordinated price adjustment between buyers and sellers
JPMorgan ChaseArlington, TX
Consumer to Premier Banker
10.2007 - 12.2010
Job overview
- Proved successful working within tight deadlines and fast-paced atmosphere
- Demonstrated respect, friendliness and willingness to help wherever needed
- Participated in team-building activities to enhance working relationships
- Exceeded goals through effective task prioritization and great work ethic
- Actively listened to customers' requests, confirming full understanding before addressing concerns
- Developed and implemented performance improvement strategies and plans to promote continuous improvement
Education
Champions School of Real EstateFort Worth
Real Estate License from Real Estate / Mortgage
10.2019
Skills
- Flexible and Adaptable
- Conflict Resolution
- Self-motivated professional
- Organization and Time Management
- Leadership
- Responsible
- Microsoft Office
- Data Entry
- MS Office
- Teambuilding
- Decision Making
- Good listening skills
- Active Listening
- Customer Service
Certification
Real Estate License 728433 since 2019
Public Notary 133214118 since 2021
Certified Conventional Underwriter since 2022
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Project Review Specialist/ Manual Underwriter
Bank of America
07.2022 - Current
Senior Mortgage Loan Processor
Interest Mortgage LLC
11.2021 - 06.2022
Direct to Broker Loan Processor
Caliber Home Loans
06.2020 - 10.2021
Disposition Manager of Investments & Acquisitions
Keller Williams, Hewitt Group
12.2019 - 01.2020
Business Operation Analyst / Risk & Fraud Management
JPMorgan Chase
11.2017 - 07.2019
Reconciliation Analyst
JPMorgan Chase
10.2014 - 11.2017
Processor / Closer- Hybrid
JPMorgan Chase
08.2011 - 10.2014
Mortgage Default Specialist
JPMorgan Chase
02.2011 - 08.2011
Title Examiner
JPMorgan Chase
12.2010 - 02.2011
Consumer to Premier Banker
JPMorgan Chase
10.2007 - 12.2010
Champions School of Real Estate
Real Estate License from Real Estate / Mortgage