Tamisha D. Denby
Jarrell,TX
Summary
Professional mortgage specialist with substantial experience in loan processing and underwriting. Skilled in managing complex loan files, ensuring compliance, and expediting loan approvals. Known for strong team collaboration, reliability, and adaptability to changing requirements. Proficient in financial analysis, document verification, and customer service. Seeking employment to utilize superior analytical, time management and communication skills to exceed company expectations within Operation or Administrative Positions.
Overview
24
24
years of professional experience
Work History
Sr. Mortgage Loan Processor
RBI Private Lending
08.2024 - 12.2024
- Assist Account Executives in Processing Hard Money Residential Transaction Loans (DSCR, Bridge, Fix & Flip, New Construction) from beginning to closing for accuracy to meet Capital Partners Guidelines
- Order/Review Credit Reports, Background Checks, Appraisals, Title Docs, Condo Docs, Insurance Docs, for each applicant required to meet investor guidelines
- Review Business LLC Entity documents such as Operating Agreements, Articles, Stock Certs, Bylaws, verify status with secretary of State.
- Process/Manage a 20-25 portfolio of loans at a time to meet projected close date
- Size DSCR loans to determine the DSCR Ratio to see if property qualified depending on the investor
- Submit DSCR loans to investor for Underwriting Review through the Investor Portal
- Communicate directly with the underwriting department on any issues that come in while processing a loan (fraud, non-arm’s length transactions, checking assignment fee caps on contracts)
- Communicate directly with Underwriting, Loan Officers, Borrowers, Brokers, Real estate agents, Title agents, Insurance agents, and management during the process of the loan
Sr. Mortgage Loan Processor
Easy Street Capital LLC
08.2023 - 08.2024
- Analyze Hard money Residential Transaction Loans (Bridge, Fix & Flip, New Construction) from beginning to closing for accuracy to meet Capital Partners Guidelines
- Order/Analyze Credit Reports, Background Checks, Appraisals, Title Documents Condo Documents, Insurance Documents, for each applicant required to meet investor guidelines
- Analyze Business LLC Entity documents such as Operating Agreements, Articles, Stock Certs, Bylaws, etc
- Process/Manage a 20-35 portfolio of loans at a time with a turn time of 1 day closing to 4 weeks depending on the close date
- Process/Manage cross collateral portfolio (blanket loans) as needed
- Generate loan closing documents with Lightning Docs, balance Hud 1 with title company, Review executed loan documents before issuing funding of loan, order wire and issue funding authorization to law firm or title company
- Communicate directly with the underwriting department on any issues that come in while processing a loan (fraud, non-arm’s length transactions, checking assignment fee caps on contracts)
- Communicate directly with Underwriting, Loan Officers, Borrowers, Brokers, Real estate agents, Title agents, Insurance agents, and management during the process of the loan
- Coordinate Closing with title company, and borrowers
- Excell in exceeding company expectations, processing clean mortgage loans with minimal post-closing items
Sr. Mortgage Loan Processor
Park Place Finance LLC
01.2022 - 07.2023
- Analyze Hard money Residential Transaction Loans (DSCR, Bridge, Fix & Flip, New Construction) from beginning to closing for accuracy to meet Capital Partners Guidelines
- Order/Analyze Credit Reports, Background Checks, Appraisals, Title Documents, Condo Documents, Insurance Documents, for each applicant required to meet investor guidelines
- Analyze Business LLC Entity documents such as Operating Agreements, Articles, Stock Certs, Bylaws, Etc
- Process/Manage a 20-35 portfolio of loans at a time
- Process/Manage cross collateral portfolio (blanket loans) as needed
- Assist Management Team with side projects as needed (investor data tape review, clearing post-closing conditions)
- Assist DSCR Underwriter Director, post-closing, servicing with task for clearing conditions with Investors
- Communicate directly with Underwriting, Loan Officers, Borrowers, Brokers, Real estate agents, Title agents, Insurance agents, and management during the process of the loan
- Prepare Loan Doc Draws when loans are cleared to close, send loan packages to title company for review and closing execution
- Coordinate closing with title company and borrowers as needed
- Received processor of the Month Acknowledgment for top sales team performance
Sr. Mortgage Loan Processor
The Home Loan Expert
01.2021 - 01.2022
- Analyze Conventional, VA, Construction, USDA, FHA, Purchase and Refinance loans for accuracy
- Process/Manage a 15-35 portfolio of loans at a time
- Review credit reports, debt to income ratios etc
- Run Automated Underwriting, (DU, LP, GUS) system on all loans before loan is turned into closing to ensure 1003, 1008, and DU figures all are consistent
- Order/Analyze all disclosures, contracts, title work, figure taxes, calculate income, review income documents, figure W2, commission, bonus and fixed income, review bank statements, review appraisals, tax transcripts, review collateral underwriting for Fannie Mae and Freddie Mac, source large deposits, verify employment
- Process, package and submitting loans to Underwriting for both Delegated and Non-Delegated Investors with the goal of having minimal conditions
- Order soft pull credit reports, analyze any new debts, rework loan if needed before submitting to closing within 10 days of close date
- Exceeded expectations of underwriters, processing manager and branch manager
Mortgage Loan Processor
R Bank
08.2019 - 01.2021
- Analyze Conventional, VA, USDA, Constructions loans for accuracy to meet guidelines for accuracy
- Work with Repeat agents/borrowers when requested to only work with me on repeat business
- Process/Manage a 15-40 portfolio of loans at a time
- Analyzing credit reports, debt to income ratios etc
- Are in line with investor requirements
- Order/Analyze all disclosures, contracts, title documents, condo association documents, figure taxes, calculate income, review income documents, figure W2, commission, bonus and fixed income, review bank statements, review appraisals, tax transcripts, review collateral underwriting for Fannie Mae and Freddie Mac, source large deposits, verify employment
- Process, package and submitting loans to Underwriting for both Delegated and Non-Delegated Investors with the goal of having minimal conditions
- Order soft pull credit reports, analyze any new debts, rework loan if needed before submitting to closing within 10 days of close date
- Run AUS system on all loans before loan is turned into closing to ensure 1003, 1008, and DU figures all are consistent
- Exceeded expectations of underwriters, processing manager and Branch Manager
Jr. Loan Processor/Set Up Coordinator
Prime Lending
03.2015 - 08.2019
- Review/Complete missing information on Loan Applications for Conventional/USDA/VA/FHA Purchase and Refinance transactions
- Manage loan pipeline 15 to 40 per month
- Order personal and business tax transcripts through Work number
- Manage Verification of Employment Request for W2 and Self-Employed loan applicants
- Ensure all required income documentation such as pay stubs, bank statements, tax returns etc
- Are received
- Order FHA/VA Case numbers, CAIVRS
- Order/Review Credit & Background, Appraisal, Condo, Title, Insurance for each applicant to ensure meeting of minimum requirements
Loan Officer Assistant
Leader One Financial Services
10.2013 - 03.2015
- Assist all team members with any administrative task requested
- Take Loan applications for potential clients, gather all information needed to qualify clients for purchase of USDA, VA, Conventional/FHA residential mortgage loans
- Order/Review Credit & Background, Appraisal, Condo, Title, Insurance for each applicant to ensure meeting of minimum requirements
- Analyze all disclosures for compliance purposes
- Communicate directly with borrowers, real estate agents, loan officers, processors, underwriters, title companies, management to ensure smooth closing
Sr. Evictions Escalations Analyst REO
Integrated Asset Services
02.2012 - 05.2013
- Promoted three times during tenure with company that worked directly with Fannie Mae Management
- Work diligently with Fannie Mae management staff etc
- On the REO outsource component and parties involved in each division of the eviction process
- Review all 20 EV specialist escalated issues daily for nationwide territories
- Audit REO files for escalated errors
- Manage escalated items such as answers filed, legal fees, restraining orders, wrongful foreclosures, rescission, court documents, bankruptcies, short sales, loan modifications, etc
- Review files and advise specialist how to proceed on escalated issues before I forward to FNMA team
- Review/Approve Attorney fee invoices for legal cost based on provided matrix by Fannie Mae
- Review/Approve Over the allowable amounts for Attorney legal fees
- Review/Approve all agent invoices for eviction cost
- Report on all Attorney and Agent performance issues to FNMA Sales Reps and Vendor Manager
- Screen congressional, media issues and escalate to FNMA immediately
- Ensure all items are reviewed and addressed within a 48 hour turn time
- Report issues to Fannie Mae and IAS management daily
- Train staff members where needed
- Create and implemented training procedures according to Fannie Mae guidelines
Sr. Operations Analyst
JPMorgan Chase
10.2011 - 02.2012
- Company Overview: Contract for Aerotek Staffing
- Eliminate and/or mitigate monetary losses associated with Investor initiated Repurchase demands, Compensatory penalties, and Make Whole Transactions of Fannie Mae and Freddie Mac
- Improve the current Repurchase Demand success rate of 21%
- Develop strategies to eliminate repurchases Provide Servicing organization with awareness of the impact servicing errors have on bottom line
- Ensure operational processes and controls are in place and compliance with investor guidelines become part of core competency
- Work with Investors to streamline the Demand/Inquiry channels
- Provide loan servicing file documents for two functions: Audit Support and Asset Litigation
- Requests authorized by Audit Relations for pending and/or active external audit/examination(s)
- Minimized losses incurred through customer or vendor negligence by pursuing legal action when warranted
- Work with legal to establish types of cases to pursue, types of cases not to pursue, etc
- Establish a team to manage the relationship with legal and identify industry best practices
- Leverage current litigation process use by the High Value team to resolve cases currently in litigation
- Contract for Aerotek Staffing
REO Asset Manager
American Home Mortgage Servicing
12.2008 - 11.2010
- Manage 400 REO plus assets during busy months
- Exceed in all monthly closing goals set by department standards
- Work daily with the pre-marketers, closing team, FAS, Legal, Listing Agents, to ensure portfolio is managed precisely
- Review, approve agent expenses daily (utilities, past due expenses, repairs)
- Coordinate with third party vendors (FAS, and listing agents) for required repairs on assets
- Review/Generate the list price based on BPO’s, appraisals and VRR’s daily
- Generate Market Strategy Analysis for each asset to be listed
- Generate Relist Analysis every 30 days (reductions)
- Review, negotiate and approve all components of the REO marketing process based on parameters at time of submission and market activity
- Review, negotiate, approve all addendums to contracts
- Negotiate with the listing agent on extensions, repairs, sales price, etc
- Effectively trained several new hires in orientation classroom settings as well as one-on-one basis
- Manage multiple reports daily to ensure my portfolio is managed efficiently and every asset is reviewed weekly
REO Closing Specialist
IndyMac Bank
04.2008 - 12.2008
Transaction Manager
REMAX
12.2005 - 04.2008
Executive Assistant to Vice President of Post Closing
Guaranty Bank
01.2001 - 01.2004
Education
Study of Business Administration -
Austin Community College
01.2001
High School Graduate -
McNeil High School
Austin, Texas01.1997
Skills
- Proficiency in Microsoft Office
- Proficiency in numerous LOS systems
- Encompass
- Calyx
- Liquid Logics
- Lending Wise
- Underwriting
- Conflict Resolution
- Punctual
- Credit Policies
- Government Regulations
- Adaptability
- Superior Organization
- Positive Personality
- Strategic Thinking
- Exceeds Team Goals
- Dependable
- Time-Management
Timeline
Sr. Mortgage Loan Processor
RBI Private Lending
08.2024 - 12.2024
Sr. Mortgage Loan Processor
Easy Street Capital LLC
08.2023 - 08.2024
Sr. Mortgage Loan Processor
Park Place Finance LLC
01.2022 - 07.2023
Sr. Mortgage Loan Processor
The Home Loan Expert
01.2021 - 01.2022
Mortgage Loan Processor
R Bank
08.2019 - 01.2021
Jr. Loan Processor/Set Up Coordinator
Prime Lending
03.2015 - 08.2019
Loan Officer Assistant
Leader One Financial Services
10.2013 - 03.2015
Sr. Evictions Escalations Analyst REO
Integrated Asset Services
02.2012 - 05.2013
Sr. Operations Analyst
JPMorgan Chase
10.2011 - 02.2012
REO Asset Manager
American Home Mortgage Servicing
12.2008 - 11.2010
REO Closing Specialist
IndyMac Bank
04.2008 - 12.2008
Transaction Manager
REMAX
12.2005 - 04.2008
Executive Assistant to Vice President of Post Closing
Guaranty Bank
01.2001 - 01.2004
High School Graduate -
McNeil High School
Study of Business Administration -
Austin Community College
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