Stephanie Bryer
Processor /Post Closer
Middletown,NJ
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
25
25
years of professional experience
Work History
Post Closer/Sr. Credit Analyst
Greenway Mortgage Funding Corporation
06.2012 - Current
- Checked accuracy and completeness of all paperwork.
- Completed post-closing quality control evaluations of originated mortgage loans.
- Worked with warehouse banks to manage shipment of collateral documents.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Complied with internal controls and government regulations.
- Assessed credit risk and analyzed financial statements.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Credit Analyst
Wichert Financial Services
Shrewsbury, NJ
2009.08 - 2011.12
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Improved understanding of financial statements, which helped in assessing risk.
- Gathered loan documentation for underwriting.
- Contacted customers and requested financial documentation.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Processor/Post Closer
First Interstate Financial Corp
Shrewsbury , NJ
1999.01 - 2005.12
- Checked accuracy and completeness of all paperwork.
- Completed post-closing quality control evaluations of originated mortgage loans.
- Worked with warehouse banks to manage shipment of collateral documents.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Education
Diploma -
Keansburg High School
Keansburg, NJ1996
Skills
- Credit Decisions
- Credit Risk Analysis
- Lending Regulations
- Loan Documentation
- Verbal and Written Communication
- Data Analysis
- Records Retention
- Critical Thinking
- Collateral Valuation
- Risk Assessment
- Collection Calls
- Information Verification
- Loan Documentation and Policies
- Income Statements
- Resolving Disputes
- Government Lending
- Document Verification
- Clerical Support
- Document Review
- Financial Statement Review
- Consumer Credit Reports
- USA Patriot Act
Notary Public of New Jersey
Surety Bonds
Assignments
Mortgages
Deeds
Legal documents
References
Will provide upon request.
Timeline
Post Closer/Sr. Credit Analyst
Greenway Mortgage Funding Corporation
06.2012 - Current
Credit Analyst
Wichert Financial Services
2009.08 - 2011.12
Processor/Post Closer
First Interstate Financial Corp
1999.01 - 2005.12
Diploma -
Keansburg High School
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