Summary
Overview
Work History
Education
Skills
Timeline
Generic

Tahara Kelly

McDonough,GA

Summary

Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.

Overview

24
24
years of professional experience

Work History

CL SPECIALIST

Kuehne+Nagel
06.2024 - 06.2025
  • UCG Commercial Small/ Bulk Inspect, weigh, and label packages; ensure they are free of damage
  • Followed all company policies and procedures to deliver quality work.
  • Assemble daily orders by shipping location or any other shipping categories
  • Fill out packing and order forms, seal and label shipping containers
  • Use material handling equipment
  • Follow health and safety policies that comply with company and OSHA regulations
  • Other responsibilities as assigned

Personal Trainer

WATCHTEEWORK LLC
02.2015 - 01.2025
  • Owner
  • Prepared individualized exercise programs by evaluating health history and fitness assessments.
  • Educated clients on proper exercise techniques, reducing risk of injury during workouts.
  • Motivated clients to stay on track with fitness goals with positive and friendly approach.
  • Developed, implemented and instructed variety of group training sessions for clients.
  • Researched new exercise routines and stretches to develop quality training programs.
  • Used diverse strength training methodologies to support client fitness goals.
  • Boosted revenue by continuously bringing in new business through marketing, referrals and social media.
  • Enforced facility safety and sanitation guidelines to minimize accidents.
  • Cleaned and sanitized fitness equipment and supplies between client use.
  • Motivated clients to maintain healthy habits and meet personal goals.
  • Followed up with clients and provided online training using media and communications tools.
  • Performed first-aid and treated client injuries during emergencies.

Payroll Administrator

Don't Lift A Finger
03.2020 - 06.2024
  • Maintained updated employee payroll records, including exemptions, transfers and resignations.
  • Processed paperwork for new employees to enter employee information into payroll system.
  • Trained employees on organizations' timekeeping systems.
  • Verified attendance, hours worked and pay adjustments to post information onto designated records.
  • Reconciled payroll discrepancies with thorough reviews of time sheets and work emails.
  • Researched and resolved routine employee paycheck-related questions.
  • Prepared and distributed manual checks and processed reversals.
  • Practiced confidentiality of employee information to protect employee rights.

Non-Emergency Medical Transport Driver / Trainer

S&W Diversified Trans LLC
02.2023 - 04.2024
  • Safely operated and driven various types of vehicles, such as Wheelchair vans, sedan, or SUV
  • Transported passengers and goods to designated locations.
  • Adhered to all traffic laws and regulations.
  • Ensured ambulatory/wheelchair, and stretcher vehicles maintained and in good working order; kept unit clean.
  • Provided exceptional customer service to passengers or clients.
  • Assisted passengers with boarding and disembarking as needed.
  • Pushed/pulled loaded wheelchair up to 300lbs
  • Followed established routes and schedules.
  • Communicated effectively with dispatch or other team members.
  • Handled any unexpected situations or emergencies in a calm and professional manner.
  • Completed Trip Sheet daily, recorded each transport and entering of Trip Sheet data into computer systems.
  • Trained new employees on policy and safety procedures.
  • Trained new employees on organizations' Modivcare Well Ryde Driver and SafeRide Health systems.
  • Certified: Defensive Driving, CPR/AED, Wheelchair and Stretcher

Warehouse Associate

Amazon Distribution Center
05.2022 - 03.2024
  • Helped meet promised delivery times using excellent sorting skills and strong attention to detail.
  • Prepared orders for shipment by picking, packing, and labeling merchandise.
  • Worked safely around moving machinery.
  • Received, staged, and stored incoming merchandise.
  • Inspected quality, quantity and availability of goods against records.
  • Achieved organizational targets by consistently placing items in correct locations and resolving discrepancies.
  • Prepared orders quickly, pulling and packing products for quick shipment.
  • Moved large quantities of merchandise using pallet jacks, dollies and hand trucks.
  • Moved products using conveyor belts and staged items to keep line moving.

Fulfillment Center Associate (Stower)

Amazon Fulfillment Technologies & Robotics
08.2021 - 12.2021
  • Scan the product with a handheld scanner and physically place it into a bar-coded shelf location so that the product can be ordered by our customers.
  • Prepared packages for shipment while adhering to carrier guidelines, resulting in reduced damages and returns due to improper packaging.
  • Visually inspect each item for damage prior to placing the item on a shelf, as well as ensuring item accuracy.
  • Matched numbers and product descriptions when picking items to confirm accuracy.
  • Reported product discrepancies and quality issues to management.
  • Processed customer orders promptly with correct items, quantities and destinations.
  • Filled orders according to defined standards using pick to light picking system and RF picking.
  • Minimized product errors, carefully examining incoming shipments and properly tagging items.
  • Worked in production environment, meeting fulfillment goals.

Auditor/ Biller

Drive Medical GmbH & Co KG
02.2019 - 04.2020
  • Preparing Shipments, getting the right product to the right customer on time and damage free by processing outgoing package shipments including (but not limited to) UPS, Fed EX, LTL Carriers, using SAP and all necessary software.
  • Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
  • Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process.
  • Computed fees and charges due based on standardized rates.
  • Reviewed billing data to verify accuracy and resolve discrepancies.
  • Verified accuracy of billing data and revised errors.
  • Updated company databases with customer information, including payments and credits.
  • Operated office equipment to print and collate statements and prepared for distribution.
  • Operated office equipment, including typing, adding and calculating machines.
  • Verified and corrected billing data, independently resolving errors.
  • Communicated with customers to provide account information.

Sr.VA Loan Processor

Wipro Limited
08.2015 - 09.2016
  • Liaison between Chennai, India employees, loan officers, vendors, and customers in the USA.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Input loan file documentation accurately into necessary software programs.
  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
  • Submitted loans through DU (Desktop Underwriter). Orders and follows up on any outside services such as credit reports, title, appraisals, payoffs, income verifications, and certificates of eligibility through the Department of Veteran Affairs.
  • Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing
  • Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.
  • Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested
  • Input loan file documentation accurately into necessary software programs.
  • Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.

Mortgage Internal Compliance Auditor

The StoneHill Group, Inc.
01.2013 - 06.2015
  • Audited a sampling of Pre-closing and Post closing Conventional, FHA, VA, and USDA mortgage loans profiles for eligibility issues ensuring the loans were underwritten according to the selling, operations, and lender guidelines.
  • Reviewed core documents for discrepancies: Income, credit, appraisal, compliance, property title and compliance aspects of the mortgage loan for any possible misrepresentation with investor specific agencies Automated Underwriting Systems Fannie Mae, Freddie Mac, FHA, USDA and other major GSE regulations.
  • Reviewed guidelines (AIR) and all federal, state, local compliance regulations (ALLREGS): RESPA, Truth-in-lending, HMDA, Regulation B, TRID and RESPA, HOEPA, FCRA, FACTA, and ECOA.
  • Ensuring timelines as prescribed by the client are met in accordance with internal policy (SLA)
  • Reviewed and Re-calculate income (DTI), LTV/CLTV and asset computation of the Ability to Repay (ATR) and MCAW allocation of appropriate fees for FHA Loans.
  • Reporting information to management with timely, meaningful information regarding quality and compliance based on Audit findings. Providing analysis for trends and risks identified during the audit.
  • Rebuttal Review

FNMA Forensic Loan Processor

Warbird Consulting Partners, LLC
05.2011 - 11.2012
  • Audit mortgage cases for FANNIE MAE for possible misrepresentation for a large government agency.
  • Review appraisal for eligibility issues. Ordered Enhanced MLS, Field Reviews and Retrospective Appraisals for re-evaluation of the property's value and com-parables. Order and review Real Quest, Citi Data, aerial map.
  • Review credit profile to ensure the loans were underwritten according to the selling, operations, and lender guidelines.
  • Assure AUS/ Lender conditions were met. Reviewed conforming and non-conforming loan products for repurchase based on Fannie Mae investor guidelines.
  • Reviewed and recalculate income and reverify asset documentation. Analyzed pay stubs, VOI, VOD, tax records, SISA, NINA and full document loan files for due diligence.
  • Prepare commentary and addressed inconsistencies and any misrepresentation found in the loan based on the review of the completed loan file and submitted findings for repurchase.
  • Re-verify employment for borrowers as needed per VOE guidelines.
  • Re-verified Pacer, CBR, Safe check, TWN and Lexis Nexis Reports for Red Flags and potential findings for submission.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.

Jumbo Reverse Mortgage Loan Processor

Generation Mortgage Corporation
10.2010 - 05.2011
  • Reviewed and analyze reverse mortgage applications to ensure accuracy, completeness and compliance with internal and external regulatory guidelines.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Effectively managed loan pipeline 60-85 loans per month
  • Performed client, loan officers, settlement agents and/or title companies follow-up as needed.
  • Calculated income for qualifying, including self-employed income analysis
  • Analyzed package for completeness to ensure loan file meets investor guidelines initial disclosures, HMDA and initial loan application to confirm RESPA
  • Submitted HECM through Encompass /ReverseVision
  • Prepared /reviewed HOI, flood, payoff, tax information confirmed GFE Tracker figures and tolerance documents in file including title, appraisal, condo documentation, tax certs, trust documents, payoffs and disclosures.
  • Reviewed appraisal confirmed figures and repairs when needed
  • Cleared loan conditions and communicate effectively with Sales, Processing, Closing, and Underwriting team.
  • Prepared closing documents.

Home Mortgage Service Specialist II

Bank of America
06.2010 - 10.2010
  • 2010 (Moved to Georgia)
  • Processed Conventional; Govt; MHA and CEMA loans.
  • Reviewed overall loan credit worthiness, collateral, and check for fraud
  • Reviewed credit reports, calculate ratios, verify income/assets documentation
  • Reviewed Appraisal and resolved disputes.
  • Resolved title issues: vesting, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances.
  • Processed Subordinations.
  • Review and clear all underwriting conditions for conventional loans according to underwriting guidelines, lending regulations, and credit policies.
  • Communicated and coordinate closing between customers, title company, banking center associates, and realtors...etc.
  • Assisted borrowers with questions and/or loan resolutions
  • Locked, extend, and relock interest rate
  • SASE Authority
  • SAFE Act

L1 Jr. Underwriter HAMP/HARP

Wells Fargo
01.2010 - 06.2010
  • Underwriter II Loss Mitigation Department (Contract)
  • Responsible for analyzing a customer’s financial position to resolve delinquencies.
  • Liaison between the mortgagor and counsel to reduce losses caused by the foreclosure process. Confirmed bankruptcy information and referred loans to the bankruptcy department as necessary. Documented foreclosure activity.
  • Ensured the accurate and timely transmission of files.
  • Monitored assigned loans through the foreclosure process using timely and appropriate follow-up to ensure compliance with investor timelines.
  • Ordered appraisals or other property evaluations(BPO, REO)
  • Provide courteous, accurate, and timely assistance to borrowers, attorneys, vendors, branches and other departments.
  • Reviewed and confirmed foreclosure legal documents executed.
  • Customer and attorney communication gathered sale dates, fees, and costs.
  • Loss Mitigation files submitted to HAMP or Modification Workout

Sr. Loan Processor

Chase Home Mortgage / JPMorgan
11.2005 - 01.2010
  • Welcome Call, after initial loan review. Substantiated loan documents including title insurance appraisal credit and income. Reviewed borrower files to verify compliance upheld.
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.
  • Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.
  • Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested.
  • Input loan file documentation accurately into necessary software programs.
  • Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.
  • Coordinated with title companies to ensure fast and seamless closings.
  • Processed Loan from Initial application to closing.
  • Proficient in DU, LP, and Zippy
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.

Sr. Loan Processor / Admin Coordinator

Buckeye Home Mortgage
05.2003 - 10.2005
  • Obtain credit report and pre-qualification for brokers through DU and Clues.
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Processed all loan types through specific AUS, per program guidelines, from point of application through submission to underwriting.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Gathered all information and documentation required per loan program description; Sort and stack incoming files shipping them in a timely manner.
  • Ordered/ reviewed all appropriate documents including income, asset, credit and collateral, credit report updates, title work, appraisal, final inspections, hazard insurance, fraud report, flood certification, flood insurance, if required.
  • Ordered FHA case number, CAIVRS and borrower validation on FHA files.
  • Ordered VA case number, CAIVRS, COE, and appraisal on VA file completing income calculation worksheet when needed.
  • Communicated with Loan Officer and team, Underwriter, borrowers(customers) and agents throughout loan process.
  • Work with escrow closer to balance final closing figures. Obtain any PTF conditions
  • Answered multi line phones and met with the public to answer their queries.
  • Obtained verbal VOE’s; When conditions are received ensure all conditions are met; call the broker/ client if any conditions are missing.
  • Assist brokers with loan scenarios, locks, and loan status.
  • Handled all official company correspondence efficiently

Jr. Underwriter

Countrywide Home Loans / Treasury Bank
10.2001 - 05.2003
  • Underwrote basic/simple loans ensuring compliance with company standards for the Treasury Bank portfolio.
  • Automated underwriting system to generate conditional approvals on all loans
  • Run credit report, Real quest, mini title and preliminary housing violation searches.
  • Assisted Sr. underwriter with research and analysis for larger and more complex loans. Responsible for Review overall loan credit worthiness, collateral, and check for fraud
  • Review and clear all prior to closing underwriting conditions for conventional loans according to underwriting guidelines, lending regulations, and credit policies
  • Review credit reports, calculate ratios, determine income, review appraisal
  • Engaged in due diligence process by reviewing post-commitment conditions to ensure that the borrowers complied with conditions at funding
  • Add additional loan conditions
  • Determined creditworthiness of borrowers and assesses financial risk involved in the deal. Proficient in DU, LP, and Clues
  • Demonstrated expertise in various types of loans, including FHA, VA, and conventional mortgages.

Education

Associate of Science - Computer And Information Sciences

Toledo University
Toledo, OH

Skills

  • Client engagement
  • Proficient in problem resolution
  • Problem-solving skills
  • Document organization
  • Quality control
  • Coaching expertise
  • Teamwork and collaboration
  • Self motivation
  • Multitasking
  • Detail-oriented approach
  • Organizational skills
  • Written communication
  • Task prioritization
  • Critical thinking abilities
  • Relationship building
  • Audit reporting
  • Time management abilities
  • Adaptability

Timeline

CL SPECIALIST

Kuehne+Nagel
06.2024 - 06.2025

Non-Emergency Medical Transport Driver / Trainer

S&W Diversified Trans LLC
02.2023 - 04.2024

Warehouse Associate

Amazon Distribution Center
05.2022 - 03.2024

Fulfillment Center Associate (Stower)

Amazon Fulfillment Technologies & Robotics
08.2021 - 12.2021

Payroll Administrator

Don't Lift A Finger
03.2020 - 06.2024

Auditor/ Biller

Drive Medical GmbH & Co KG
02.2019 - 04.2020

Sr.VA Loan Processor

Wipro Limited
08.2015 - 09.2016

Personal Trainer

WATCHTEEWORK LLC
02.2015 - 01.2025

Mortgage Internal Compliance Auditor

The StoneHill Group, Inc.
01.2013 - 06.2015

FNMA Forensic Loan Processor

Warbird Consulting Partners, LLC
05.2011 - 11.2012

Jumbo Reverse Mortgage Loan Processor

Generation Mortgage Corporation
10.2010 - 05.2011

Home Mortgage Service Specialist II

Bank of America
06.2010 - 10.2010

L1 Jr. Underwriter HAMP/HARP

Wells Fargo
01.2010 - 06.2010

Sr. Loan Processor

Chase Home Mortgage / JPMorgan
11.2005 - 01.2010

Sr. Loan Processor / Admin Coordinator

Buckeye Home Mortgage
05.2003 - 10.2005

Jr. Underwriter

Countrywide Home Loans / Treasury Bank
10.2001 - 05.2003

Associate of Science - Computer And Information Sciences

Toledo University

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Tahara Kelly