Summary
Overview
Work History
Education
Skills
Achievement Highlights
Timeline
Generic

TAMMIE JONES

Rowlett

Summary

Seasoned professional with 15 as a Loan Processor and 5 years of Loan Documentation Review. Both of these positions I managed client pipelines, making sure documentations was completed per company guideline, keeping in contact with customers in order to make sure I maintained great customer service. Great communication skills and one of the biggest team players.

Overview

21
21
years of professional experience

Work History

Loan Specialist I & II / Home Loan Rep

COUNTRYWIDE HOME MORTGAGE
  • Achieved minimum monthly productions goals set forth by Team Manager (65 plus per month).

Process Coordinator II

Capital One Bank Headquarters
10.2019 - Current
  • Manages customer outreach to collect, validate and process required documentation for annual review of loans by the Underwriting team.
  • Interacts with internal and external customers that include underwriters, relationship managers, customers to ensure all conditions are met for small business loans and renewals.
  • Use strong organizational experience in a fast pace live operational environment.
  • I served as a training resource for new employees after they went through HR onboarding and/or less experience.
  • Manages a workload that includes multiple task and applies judgement to resolve conflicting priorities.
  • Use systems such as ALS, DCR, Doc View, Touchpoint, Sageworks and Clear Tran.

Consumer Lines & Loans Advocate

Capital One Bank Headquarters
06.2018 - 10.2019
  • ALS Guru, Consumer & Retail collateralize accounts, LOC Reinstatement, Collateral Releases, Account Closures, Account Maintenance, Payment Research, Payment Dispute and Tier 1,2,3 Escalations
  • Handle payoffs, Late payments, Servicing & Collections
  • Use systems such as ALS, DCR, Doc View, Touchpoint, Iris, CVR, Image Soft and Clear Tran.

Loan Officer/Loan Specialist

Small Business Administration (SBA)
01.2018 - 03.2018
  • Evaluate financial information, determining creditworthiness, repayment ability including ability to using income related documents and making loan decisions or recommendations based on overall financial condition
  • Analyzing consumer credit reports
  • Currently processing Loan Modification for disaster victims including complex modifications, decreases, increases, cancellations and adverse actions
  • System currently used is DCMS.

Senior Loan Coordinator II

Capital One Home Equity
07.2014 - 08.2017
  • Processed loans in alignment with established productivity metrics
  • Reviewed and validated loan files for completeness and accuracy
  • Ensured deficiencies were appropriately addressed and resolved prior to submitting to underwriting or closing
  • Maintained strict adherence to policies and procedures to ensure all loans are processed in accordance with company policies
  • Directly accountable for the completeness and accuracy of the loan origination system
  • Recognized as Subject Matter Expert (S.M.E.)

Mortgage Processor II

Disys LLC Agency/Capital One Home Loans (Contractor)
06.2012 - 06.2013
  • Guided and resolved customers issues through the home loan processing procedures
  • Effectively manage a portfolio of loan applications with focus on converting applications to funded loans
  • Achieved 100% accountability for the happiness and satisfaction of each customer.

Customer Operations Specialist (Contractor)

Aerotek Agency / Chase Mortgage
02.2012 - 06.2012
  • Providing support services and quality control to the CA Specialist, managing the flow of information to ensure that all critical documents in the modification file have been properly accounted for prior to submitting the final package to underwriting.

Client Advocate

Saxon Mortgage Morgan Stanley Investment Firm
09.2011 - 02.2012
  • Served as liaison between underwriters and clients
  • Interpreted and explained complex payment history, monthly statements, status of loss mitigation workout and loan documentations
  • Maintained a work queue for target date and goals of 100 loan pipeline staying within SLA.

Home Servicing Specialist II

Bank of America Home Loans
08.2010 - 09.2011
  • Maintained a thorough working knowledge of Bank of America loan processing underwriting guidelines
  • Reviewed files within 48 hours of receipt to verify conditions required for loan approval.

Escrow Officer / Senior Loan Closer

Bank of America Home Loans
06.2008 - 05.2010
  • Managed a portfolio of 150 plus loans
  • Coordinated with multiple entities to ensure successful closing on REO and VA properties
  • Minimized loses on foreclosures through analysis, management, and marketing of REO VA properties.

Operations Team Manager / Senior Underwriter

COUNTRYWIDE HOME MORTGAGE
11.2002 - 05.2008
  • Conducted regular team meetings to ensure open communication and mutual understanding of team goals and objectives
  • Managed loan aging, branch pipeline and lock expiration reports.

Education

Skills

  • Systems: DCMS, Outlook, Out Look, Loan Quality Gateway, OPUS, Equator, Empower, People Soft, AS/400, Oracle and MSP Other items include: Word, Excel, Outlook, Communicator, NMLS#536248, ALS, DCR, Doc View, TouchPoint, IRIS, CVR, ImageSoft and ClearTran
  • As a Process Coordinator I was a part of creating and enhancing process that deliver excellence to your customer Play a key role in supporting the broader team in delivering processes that impact the company’s bottom line in Small Business LOC Looking to excel in a team environment Determining creditworthiness, repayment ability including ability to using income related documents and making loan decisions or recommendations based on overall financial condition Modification including decreases, increases, cancellations, complex modifications, and adverse actions (Disaster Victims) System currently used is DCMS Mortgage industry professional w/expertise in loan-processing, mortgage/home equity Comprehensive knowledge of Conventional, FHA, VA and HE loans Thorough in gathering borrower information, verifying loan documents, and reviewing file documentation to guide each loan from preapproval to closing
  • Computer savvy in MS Office Suite and proprietary mortgage-processing software
  • Building on-going relationships and trust with internal and external clients

Achievement Highlights

  • Successfully trained new personnel Onboarding and on Policy and Development
  • Recognized as one of the company’s most productive loan processors, managed an average of 22 files monthly.
  • Provided expedient service cited as key to consistently high customer satisfaction and a 10% increase in referrals in 2011.
  • Successfully managed a mortgage pipeline of 50-90 loans exceeding $90 million in revenue.
  • Selected to lead the starter team after consistent achievement of company goals, resulted in being quickly promoted to Operations Team Manager.
  • Achieved 85% or greater loans closed within original commitment period.

Timeline

Process Coordinator II

Capital One Bank Headquarters
10.2019 - Current

Consumer Lines & Loans Advocate

Capital One Bank Headquarters
06.2018 - 10.2019

Loan Officer/Loan Specialist

Small Business Administration (SBA)
01.2018 - 03.2018

Senior Loan Coordinator II

Capital One Home Equity
07.2014 - 08.2017

Mortgage Processor II

Disys LLC Agency/Capital One Home Loans (Contractor)
06.2012 - 06.2013

Customer Operations Specialist (Contractor)

Aerotek Agency / Chase Mortgage
02.2012 - 06.2012

Client Advocate

Saxon Mortgage Morgan Stanley Investment Firm
09.2011 - 02.2012

Home Servicing Specialist II

Bank of America Home Loans
08.2010 - 09.2011

Escrow Officer / Senior Loan Closer

Bank of America Home Loans
06.2008 - 05.2010

Operations Team Manager / Senior Underwriter

COUNTRYWIDE HOME MORTGAGE
11.2002 - 05.2008

Loan Specialist I & II / Home Loan Rep

COUNTRYWIDE HOME MORTGAGE

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