Tamirah L. Terry (Branch)
Snellville,USA
Summary
Dynamic leader in residential and corporate lending with a proven track record at United Trust Lending & Consulting. Achieved a 30% improvement in loan quality through expert mortgage process management and risk mitigation. Proficient in Encompass and committed to fostering collaborative teamwork, leveraging innovative problem-solving skills and effective communication to drive success.
Overview
34
34
years of professional experience
Work History
SVP Commercial Lending Operations and Business Capital
United Trust Lending & Consulting
Duluth, GA
12.2023 - Current
- Overseeing the handling of commercial loans, including monitoring loan quality, collecting payments, and ensuring credit limits are not exceeded
- Create and implement credit risk policies and procedures, and evaluate loan requests to avoid credit risks
- Build relationships, maintain relationships with clients and business contacts in the community and targeted industry
- Bank Secrecy Act training
- Make lending decisions within lending limits and in accordance with the bank's credit policies
- Conduct financial analysis of existing and new relationships, and prepare presentations for management and loan committees
- Represent the bank as the media liaison for the lending activity for the local community
- Managing a team: Managing a team of loan officers
Executive Event Coordinator Business Owner
Tamirah Leigh Lifestyle Design dba LaurAllie Grace Elite Events
Bolingbrook, IL
03.1997 - Current
- Special Event Design, Marketing, event consultation and planning
Funder- and post-closing audit
Mutual of Omaha Mortgage
03.2020 - 01.2022
- Review signed residential mortgage closing packages making sure they are accurate with notary signatures and dates
- Managed authorization of wires for titles.
- Strong attention to detail and ability to identify errors in complex documents
- Excellent organizational skills to manage multiple loan files simultaneously
- Monitored transactions for fraud indicators.
- Proficient in handling loan estimates and various components of mortgage documentation.
- Familiarity with relevant regulations and compliance standards
- Proficient in loan origination software and electronic document management systems
- Excellent communication and problem-solving skills to address issues with borrowers and other parties
Model Home Representative
Chafin Communities
Suwanee, GA
11.2018 - 02.2020
- Excellent customer service skills, friendly and have positive attitude
- Outgoing and willing to greet visitors and give an informative, enjoyable tour of million dollar luxury real estate
- Take notes and ask questions for what each prospective borrower is interested in
- Prepare booklets with model home architectural layout, features, and neighborhood demographics
- Offer visitors snacks and water and retain an information card with all of the visitor’s contact info for the builder to contact
- Make sure the home is always clean and staged properly
Sr. Mortgage Loan Operations Rep.
Forest Park National Bank & Trust Co.
Forest Park, IL
07.2016 - 10.2018
- Residential Mortgage Loan Ops – direct mortgage support to the President and VP of Residential Mortgage Operations
Pre-Audit Manager
Standard Bank and Trust Company
Evergreen Park, IL
10.2015 - 07.2016
- Pre-Audit residential mortgage loans cleared for closing
- Evaluating hazard, LDP/GSA, verify employment, review GAP reports, payoffs, review closing protection letters, 24 month chain of Title, request wiring instructions
Senior Mortgage Operations account manager
Fifth Third Mortgage Company
Oak Lawn, IL
12.2012 - 10.2015
- Quality Analysis, Quality Control, Compliance and Auditing residential mortgage loans
- Ensure Salability of loans to investors
- Purchases and refis, 1st and 2nd mortgages
Operations Sr. Processor
PNC Bank, N.A.
Downers Grove, IL
01.2009 - 01.2012
- Provided operational support for high-volume financial institution
- Daily communication and high Customer call volume
- Review conditional approval and clear conditions
- Proposed methods to Create better flow for existing systems
- HARP and Conventional loans
- Some FHA, Some VA
Manager of Mortgage Operations
WAMU
Corte Madera, CA
01.2005 - 01.2009
- Direct Support to Alber Saleh #1 Mortgage Loan Originator in Corporation
- Co-Underwrite the file with a Senior underwriter
- Worked closely with top regional loan originator to Identify new business opportunities and routinely participate in the entire loan process
- Managed Projects that included implementing a systems manual for the three banking systems used
- Liaison Between the California offices and the Downers Grove office
- Provided operational support and Reviewed files, records and other documents providing information needed to complete the loan Process
- Creative financing
Licensed Residential MLO Senior Account Executive and Residential Mortgage Processor
AUS Financial
Lombard, IL
01.2001 - 01.2007
- Loan origination, and limited underwriting, processing, auditing, and shipping
- Realtor Broker Tours, LP and DU, Partner with NACA, Credit repair and homebuying seminars, creative financing for no income no docs and stated income loans
- Conforming, FHA, VA, Rural Development, and subprime loans
- Purchases and refis, 1st and 2nd mortgages
Residential and Commercial MLO and Senior Account executive
The Mortgage Exchange
Oakbrook Terrace
01.2000 - 01.2001
- Residential and Commercial Mortgage Sales
- Customer service and relationship building
- Worked closely with investment lenders to create and maintain marketing materials for sales presentations and client meetings
- Created general business solutions resulting in referrals and multiple deals from a single client
- Very involved in processing Conventional, VA, and FHA
- Purchases and refis, 1st and 2nd mortgages
Dr. Michael Wood M.D.’s Chief Medical Assistant
Wheaton Medical Clinic
Wheaton, IL
01.1997 - 01.2000
- Clinical nursing internal medicine and geriatrics
- Coordinating pharmaceutical luncheon presentations for office
- Billing and coding
Mobile Medical Exams
Portamedic/Rocco Salviola and Associates
Naperville, IL
01.1995 - 01.1997
- Mobile Medical Exams for 75 national insurance companies
- History and Physicals
- EKGs
- Venipuncture and Urinalysis
- Specimen Processing and Shipment
- Payroll
Dr. Robert Vacek M.D. ‘s Medical Assistant
MacNeal Hospital/Damon-Genesis Clinical Laboratories
Berwyn, IL
01.1991 - 01.1997
- Clinical nursing Internal medicine and geriatrics
- Allergy testing
- Drug screens
Operations Senior Processor
The Private Bank and Trust Company / RMC Staffing
Alsip, IL
01.2012
- Direct Support to Senior Loan Advisor - Pre-underwrite LP/DU, Calculate income, verify assets, analyze appraisals, Support underwriter
- Conditions/clearance pre-audit files for closing
- Conventional, HARP, IDHA Purchases and refis, 1st and 2nd mortgages
Education
Ph.D. - Business Administration And Entrepreneurship
Trinity International University of Ambassadors
Duluth, GA03-2022
MBA - Business Administration/Entrepreneurship
Peter J. Daniels Gabriel University
Australia/ Tinley Park, Il Campus12-2006
Bachelor of Science Degree - Biology, Broadcast Journalism Mass Comm.
Illinois State University
IT Cybersecurity Analyst - Entry level training cybersecurity
ISC2
Scrum Master -
Skills
- Residential mortgage lending operations
- Corporate Lending Experience
- Business Capital
- Mortgage Process Management
- Post-closing
- Shipping
- Specialized Knowledge in Reverse Mortgages
- Collaborative Team Member
- Microsoft Outlook Calendar
- TRID Regulations
- Encompass
- Calyx
- 2nd Mortgage Systems
- Customer Support Expertise
- Research
- Response to Questions
- Revisions
- MS Office
- Word
- Excel
- PowerPoint
- Initiative
- Confidentiality
- Problem-solving
- Decision-making
- Organizational Skills
- Time Management Skills
- Verbal Communication
- Written Communication
- Interpersonal Communication
- Script Narration
- Media Hosting
- Digital Marketing Creation
- Content Creation
- Content Management Systems
- Multi-tasking
Current licensures
- NMLS, Mortgage Loan Officers
- FCC License
- Certification for Speakers
Professional references
Available Upon Request
Nmls
1013266
Awards
- 2024 Presidential Lifetime Achievement Award
- 2024 CELEBRITY MEDIA HOST HONOREE
- 2024 The B.L.A.C.K.W.O.O.D LIFETIME ACHIEVEMENT PROCLAMATION, WOMEN IN BUSINESS COACH OF THE YEAR, WOMEN IN BUSINESS ADVOCATE
- 2024 TRAILBLAZER AWARD
- FLMA – Best Female Outstanding Creative Entrepreneur of the Year 2023
- Women of Dignity Top 40 SHEROS 2023
- 2022 TIUA COMMUNITY SERVICE AWARD
- United Nations – 2022 Woman of Distinction
- 2022 Honors of Distinction – Trinity International University of Ambassadors
- Honorary Platinum Record for Outstanding Vocal Performance in collaboration for “Soulidify.”
- 2005, 2006, 2007 WAMU PRESIDENT’S ELITE CLUB AWARD
Area Of Expertise
Residential Mortgage Lending Operations Speaking and Presentations Event Mgmt
Commercial Scrum Master Budgets
Business Capital Customer Care Content Creation
Social Media Marketing
Activities
- Ambassador for Trinity International University of Ambassadors
- OVERSEER AND AMBASSADOR QUEEN FOR THE B.L.A.C.K.W.O.O.D. WORLDWIDE
- Southeast Global Ambassador – Beauty for Ashes Global Women’s Ministry
- Former Ms. World International 1999 and Ms. Illinois American Elegance 2000
- Motivational Speaker and Encouragement Leader
- Lifestyle Design Consultant, Relationship Encourager
- Life building Presentation and seminars for Being Single Ladies in a Coupled World
- Life Member of Kappa Alpha Psi Sweetheart
- Recording Artist and Songwriter
- Luxury Candle Designer and Forever Flower Box creator
- Freelance Journalist and Digital Creator
Timeline
SVP Commercial Lending Operations and Business Capital
United Trust Lending & Consulting
12.2023 - Current
Funder- and post-closing audit
Mutual of Omaha Mortgage
03.2020 - 01.2022
Model Home Representative
Chafin Communities
11.2018 - 02.2020
Sr. Mortgage Loan Operations Rep.
Forest Park National Bank & Trust Co.
07.2016 - 10.2018
Pre-Audit Manager
Standard Bank and Trust Company
10.2015 - 07.2016
Senior Mortgage Operations account manager
Fifth Third Mortgage Company
12.2012 - 10.2015
Operations Senior Processor
The Private Bank and Trust Company / RMC Staffing
01.2012
Operations Sr. Processor
PNC Bank, N.A.
01.2009 - 01.2012
Manager of Mortgage Operations
WAMU
01.2005 - 01.2009
Licensed Residential MLO Senior Account Executive and Residential Mortgage Processor
AUS Financial
01.2001 - 01.2007
Residential and Commercial MLO and Senior Account executive
The Mortgage Exchange
01.2000 - 01.2001
Executive Event Coordinator Business Owner
Tamirah Leigh Lifestyle Design dba LaurAllie Grace Elite Events
03.1997 - Current
Dr. Michael Wood M.D.’s Chief Medical Assistant
Wheaton Medical Clinic
01.1997 - 01.2000
Mobile Medical Exams
Portamedic/Rocco Salviola and Associates
01.1995 - 01.1997
Dr. Robert Vacek M.D. ‘s Medical Assistant
MacNeal Hospital/Damon-Genesis Clinical Laboratories
01.1991 - 01.1997
Ph.D. - Business Administration And Entrepreneurship
Trinity International University of Ambassadors
MBA - Business Administration/Entrepreneurship
Peter J. Daniels Gabriel University
Bachelor of Science Degree - Biology, Broadcast Journalism Mass Comm.
Illinois State University
IT Cybersecurity Analyst - Entry level training cybersecurity
ISC2