Summary
Overview
Work History
Education
Skills
Affiliations
References
Work Availability
Timeline
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Stephanie Serafini

Stephanie Serafini

Poquoson,Virginia

Summary

Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Overview

20
20
years of professional experience

Work History

Data Analyst

Enlighten Financial
Remote
04.2023 - Current
  • Pre and Post underwriting assessment of conventional loans for credit quality and salability
  • Analyze pre and post loans for consistency, guideline requirements and erroneous data
  • Report corrections and recommendations to Supervisor for improvement of bank procedures and reduction in credit risk to the bank(s)
  • Assist in building an enhanced Post Closing program for third party verification of income, assets, appraisals and credit reports
  • Assist in building excel workbooks to track post closing program and pre and post closing reviews.

Loan Sale Coordinator/Government Insuring Specialist

Direct Mortgage Loans
Remote
08.2020 - 11.2022
  • Effectively managed and monitored high volume pipeline of 75+ loans a month to ensure clean and accurate sale
  • Systematically audited loan documentation for typos, erroneous and false information
  • Requested modifications on incorrect documents that were needed to satisfy a condition or for completion of a file
  • Corresponded closely with 15+ Investors to resolve all outstanding conditions on loans prior to selling the loan to the Investor
  • Uploaded loan files to purchasing Investor through various transmittal portals
  • Weekly meetings with supervisors to provide overall picture of loans sales and insuring
  • Provided input for improvement within our systems for better efficiency and learned new methods and updates each week
  • Conventional MI - Completed MI Certificates and forwarded to Mortgage Insurance Companies
  • Reviewed large volume FHA and VA loans to obtain the LGC and MIC's
  • Review of entire loan to include income, assets, credit, appraisal, property, disclosures, title, HOA, homeowners/flood and government documents for accuracy to issue the guaranty and/or certificate
  • Worked with Dept of VA and Dept of HUD for corrections and assistance
  • Managed issuance of MIC's and LGC's to all Investors.

Mortgage Loan Processor

Direct Mortgage Loans
Remote
07.2020 - 08.2020
  • Worked with a team of loan officers and processors to provide support to our borrowers to complete the URLA and obtain all necessary documentation to include income, assets, property documents, title, insurance and disclosures
  • Ordered appraisal, title, homeowners, flood, new construction documents, 2nd lending documents, payoffs
  • Prepared initial disclosures and CD for Underwriter review and approval.

Government Insuring Specialist

Cross Country Mortgage
Remote
01.2020 - 07.2020
  • Reviewed and insured large volume monthly pipeline of 75+ FHA loans for Dept of HUD
  • Reviewed entire closing package to include disclosures, appraisal, credit, assets, income, property and government documents to clear loan for insuring
  • Completed appraisal logging and FHA application to issue the Mortgage Insurance Certificate.

Admin to President

Colonial Exterminating
07.2018 - 12.2019
  • A/P and A/R with Peachtree, reports, EOM balancing
  • Process, post and pay bills weekly
  • Prepare Estimates
  • High volume phones and scheduling daily, weekly and monthly appointments
  • Heavy volume data input, filing and mass weekly and monthly mailings.

Government Insuring Specialist

Southern Trust Mortgage
Remote
10.2011 - 08.2017
  • Managed and insured high volume monthly pipeline of 80+ VA and FHA loans
  • Reviewed and insured for guaranty and insuring with the Dept
  • Of VA and Dept of HUD
  • Reviewed all files for correct AUS, CD and Addendums
  • Assets, income, credit, sales contract, appraisal, final inspection(s) to meet FHA and VA guidelines
  • Reviewed Note, Deed of Trust, closing documents and disclosures including new construction, 203K's and Housing loans
  • Created the PERT (Pre-Insurance Review Checklist) form to meet insuring review guidelines for FHA
  • Prepared and sent late letters and histories to VA and HUD
  • Researched problem files, worked with team to obtain corrections, prepared correspondence for corrections
  • Examined all VA Loan Summary and FHA Loan Transmittal form(s) for accuracy
  • Obtained LGC's and MIC's and maintained excellent relationships with many Investors
  • Responsible for transfer of all Servicing rights for FHA loans in FHA connection
  • Managed FHA appraisal logging
  • Logged all FHA appraisals in FHA connection.

Retail Loan Processor/Conventional Underwriter/Closing Manager

Franklin American Mortgage Company
02.2004 - 05.2011
  • Processed conventional, VA, FHA and State Housing loans through proprietary systems to ensure all guidelines are met for Fannie, Freddie and State Housing, Dept of VA and Dept of HUD
  • Processed credit reports, income, assets
  • Ordered tax transcripts, credit updates and appraisals
  • Verified all client documentation that would afford the Underwriter to make a sound decision
  • Created and maintained daily and monthly reports
  • Accountable for getting our loans insured with VA and FHA and bought by our Investors
  • Reconciled checks from settlement agents and disbursed
  • Processed all VA funding Fees through the VAFFPS system and reconciled accounts
  • Obtained all Loan guaranty's (VA) and Mortgage Insurance Certificates (FHA) and forwarded to Investors to manage pipelines
  • Prepared all bailee letters and shipped all original Notes
  • Shipped files to Investors for purchase and post closed all files
  • Handled wire disbursement of closing funds to settlement agents and reconciled record keeping system
  • Processed all purchase advices
  • Responsible for the transfer of MERS
  • Created and maintained daily and monthly reports for Operations Manager and Branch Manager
  • Maintenance of filing system for paper files for compliance
  • Worked with A/P and A/R on invoicing, billing and past due payments
  • Assisted three Managers and more than a dozen loan officers and staff to maintain general order in the office.

Education

High School Diploma -

Kecoughtan High School
Hampton
06.1990

Skills

  • Exceptional time management
  • Adaptability to ever changing rules and regulations
  • Problem-solving proficiency
  • Excellent written and verbal communication skills
  • Very goal oriented
  • Dedicated to teamwork and support of others
  • Detail oriented with ability to scan hundreds of documents a day
  • Resourceful and works well independently
  • Data Entry
  • Information Collection
  • Project Management
  • Document Management
  • Document Control
  • Discretion and Confidentiality
  • MS Office
  • Insurance Verification
  • Regulatory Compliance
  • Verbal and Written Communication
  • Customer Service
  • Autonomous and Self-Directed
  • Process Improvement
  • Project Support
  • Recordkeeping
  • Data quality assurance processes

Affiliations

  • Cooking, baking, gardening, reading

References

References available upon request.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Data Analyst

Enlighten Financial
04.2023 - Current

Loan Sale Coordinator/Government Insuring Specialist

Direct Mortgage Loans
08.2020 - 11.2022

Mortgage Loan Processor

Direct Mortgage Loans
07.2020 - 08.2020

Government Insuring Specialist

Cross Country Mortgage
01.2020 - 07.2020

Admin to President

Colonial Exterminating
07.2018 - 12.2019

Government Insuring Specialist

Southern Trust Mortgage
10.2011 - 08.2017

Retail Loan Processor/Conventional Underwriter/Closing Manager

Franklin American Mortgage Company
02.2004 - 05.2011

High School Diploma -

Kecoughtan High School

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Stephanie Serafini