Susie Marie Mercer
Columbus,Ohio
Summary
Over 30 years of experience in loan processing and mortgages. Accurate and dedicated Analyst whom evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional and government loan programs to fulfill customer needs.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Third Party Loan Processor 3
Huntington National Bank
03.2016 - Current
- Processed a pipeline Conventional, FHA, VA, and USDA loans
- Accurately reviewed file for missing conditions and created checklists to monitor teammates
- Corresponded with but not limited to, borrowers, Loan Officers, Brokers, Lawyers, Title Companies, Realtors, to retrieve any remaining docs needed
- Updated findings for GUS, DU, LP after closing
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Responsible for reviewing and clearing ERMS, RISK, Gennie Mae audits, FHA, USDA, VA audits.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Loan Underwriter
Smarter Mortgages
12.2015 - 03.2016
- Accurately processed and reviewed Jumbo loans for JP Morgan Chase
- Collaborated with sales teams to increase revenue, tailoring loan products to meet client requirements.
- Participated in ongoing professional development opportunities to stay current on best practices within the industry.
- Answered all voicemail and emails from Real estate agents, underwriters, title agents, builders and borrowers
- Requested and reviewed all borrower's documents
- Calculated borrower income and review appraisal, income, title, tax documents
- Provided loan commitment letters within 10-day minimum
- Coordinate and schedule closings.
Sr. Underwriter
JP Morgan Chase
08.2008 - 11.2015
- Investigated borrower's backgrounds, ensure loan papers are complete and accurate, approve or deny loans, and compute the loan payment schedules
- Responsible for analyzing applicants' financial status and determine the value of property offered to secure the loan
- Completed audit of property records, appraisals and surveys
- Negotiated fees with borrowers, attorneys and banking institutions
- Audited the accuracy of mortgage loans for sale to financial institutions
- Analyzed loan markets to develop new business
- Knowledge of USDA/VA/FHA guidelines for underwriting review.
Vendor Relations Manager
United Pan American
07.1996 - 10.2002
- Strengthened vendor relationships by maintaining consistent communication and addressing concerns promptly.
- Coordinated onboarding efforts for new vendors, conducting thorough due diligence checks to mitigate potential risks associated with supplier selection decisions.
- Facilitated dispute resolution processes between internal teams and external vendors to ensure satisfactory outcomes for all parties involved.
- Developed long-lasting partnerships with key suppliers, ensuring consistent quality of products and services.
- Proactively identified opportunities for cost savings in vendor contracts by conducting regular pricing analysis and benchmarking against industry standards.
- Championed ethical sourcing practices, promoting responsible procurement throughout the organization''s supply chain.
- Reduced costs for the organization by negotiating favorable contracts with vendors.
- Collaborated with cross-functional teams to identify areas for improvement in vendor relations management.
- Maintained detailed records of vendor interactions, providing valuable insights into ongoing relationship management strategies.
- Ensured timely delivery of goods and services by closely monitoring vendor performance metrics and proactively addressing potential issues.
- Fostered a culture of continuous improvement within the Vendor Relations team, encouraging innovation and creative problem-solving approaches to address emerging challenges.
Education
Managing Cosmetology License - Cosmetology
Paul C Hayes
Grove City, Ohio 43123High School Diploma -
Grove City High School
Grove City, Ohio 4323106.1992
Entrepreneur - Business
Paul C Hayes
Grove City, Ohio 4312306.1992
Skills
- Auditing and risk management
- Information Verification
- Time Management
- Change Management
- Loan Servicing
- Document Management
- Regulatory Compliance
- Teamwork and Collaboration
- Data Entry
- File Management
- Deadline Management
Accomplishments
- Documented and resolved Risk which led to positive internal and external service.
- Collaborated with team internal and external vendors being FHA, VA, USDA and the efficiency in the development of Government Loan Insuring.
- Achieved SLA with vendor Third Party Vendors and Brokers through effectively helping with daily needs keeping in line with policy, procedures, regulations and industry standards.
Certification
- Dale Carnegie - Sales, People Management
- Fannie Mae and Freddie Mac training
- MGIC Processing & Underwriting
- Genworth Underwriting
- Ohio Driver's License
Volunteering
Giving back to the community in which I live and commune to promote community and unity.
Timeline
Third Party Loan Processor 3
Huntington National Bank
03.2016 - Current
Loan Underwriter
Smarter Mortgages
12.2015 - 03.2016
Sr. Underwriter
JP Morgan Chase
08.2008 - 11.2015
Vendor Relations Manager
United Pan American
07.1996 - 10.2002
Managing Cosmetology License - Cosmetology
Paul C Hayes
High School Diploma -
Grove City High School
Entrepreneur - Business
Paul C Hayes
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