Tahirah Kelley
Rancho Cordova,CA
Summary
Experienced professional skilled in analyzing financial documents to identify and implement effective solutions, while communicating complex information professionally and empathetically. Adaptable to the ever-changing lending environment, with a proven track record of dependability and the ability to work seamlessly as a team player. Possesses a unique ability to take direction and work independently, ensuring optimal results.
Overview
14
14
years of professional experience
Work History
Loan Coordinator/Virtual Assistant Manager
Primed Up Home Lending
01.2023 - Current
- Collect and review documents for potential and newly established clients
- Complete initial simple and complex income calculations for various income types for loan pre-approval
- Submit complete loans packages to Lenders
- Meet with Senior management and Loan Officers about their loan applications and discuss next steps
- Speak with potential customers regarding documentation needs and pre-approval qualifications
- Meet with Virtual Assistants for Call Monitoring and Coaching
- Run Daily reporting for call leads
- Script development.
Production Coordinator/Loan Officer Assistant, Associate Mortgage Specialist, Senior Mortgage Specialist/Client Support Manager
Goodleap
01.2021 - 01.2023
- Receive calls from business partner referrals to solicit refinance business, initiate the mortgage process and follow up on aged campaigns to re-engage clients
- Analyzing credit and reviewing various financial documents
- Prepare initial disclosures, review title and appraisal reports
- Maintain top tier customer service level communication with the client throughout the loan process
- Work various level cases for home improvement clients and partners
- Help resolve questions and concerns of the existing customers
- Communicate with installers regarding work completed and status updates.
Executive Administrative Assistant, Independent Loan Processor
Answer Home Loans, Inc.
01.2020 - 01.2021
- Develop and maintain relationships with mortgage brokers, loan officer's and account executives for several mortgage lenders
- Maintain portfolio of various loan types such as: VA, jumbo, conventional, FHA and home equity lines of credit
- Working with customers to meet their purchase or refinance needs for single family residences, mobile homes and muti-family residences
- Draft initial loan disclosures and closing documents
- Communicate with escrow companies to solve title/lien issues and gather opening documents, appraisal vendors and insurance companies
- Analyze customer's financial documents, residential loan applications, various automated underwriting systems documents and communicate with underwriters.
Retail Loan Processor
PennyMac Loan Servicing
01.2016 - 01.2020
- FHA 1st mortgage processing
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Maintain a high-volume portfolio of loan applications approved by an underwriter or AUS system
- Gather customer and third-party documentation to review ability to repay a mortgage loan
- Verifying conditions of loan approval review of income and asset documentation
- Resolve title issues and process subordinations
- Maintain high level of customer service by being proactive in communication with customers.
- Handled any conditions sent from underwriting departments.
Home Service Specialist II
Accenture/Zenta Mortgage
01.2015 - 01.2016
- Jaguar Project for Bank of America
- Managing and processing applications for home equity lines of credit or refinancing existing home equity lines
- Reviewing financial documents for income calculations: paycheck stubs, tax returns, bank statements, w2's, 1099's, credit reports and asset documentation prior to underwriting.
Home Service Specialist II, Credit Quality Analyst, First Mortgage Loan Processor, Customer Relationship Manager
Bank of America Home Loans
01.2011 - 01.2015
- Managing and processing a portfolio of applicants interested in obtaining refinancing or home loan purchases in mortgage origination environment
- Provide excellent customer service to borrowers in a timely matter on behalf of Bank of America to ensure customers are always kept informed with the status of their applications
- Evaluate financial documents which include loan applications (1003), paycheck stubs, tax returns, bank statements, W2's, 1099's, credit reports and other income and asset documentation prior to underwriting
- Review and resolve title issues including title liens, judgments, tax liens, mechanical liens, vesting discrepancies, reconveyances, subordinations and UCC3 financing liens.
Skills
- Loan Processing
- Customer Service
- Verbal and written communication
- Customer Relationship Management (CRM)
- Complex Problem-Solving
- Sales Techniques
- Mortgage Knowledge
- Underwriting guidelines
Timeline
Loan Coordinator/Virtual Assistant Manager
Primed Up Home Lending
01.2023 - Current
Production Coordinator/Loan Officer Assistant, Associate Mortgage Specialist, Senior Mortgage Specialist/Client Support Manager
Goodleap
01.2021 - 01.2023
Executive Administrative Assistant, Independent Loan Processor
Answer Home Loans, Inc.
01.2020 - 01.2021
Retail Loan Processor
PennyMac Loan Servicing
01.2016 - 01.2020
Home Service Specialist II
Accenture/Zenta Mortgage
01.2015 - 01.2016
Home Service Specialist II, Credit Quality Analyst, First Mortgage Loan Processor, Customer Relationship Manager
Bank of America Home Loans
01.2011 - 01.2015
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