Summary
Overview
Work History
Skills
Timeline
Generic

Tammy Clay

Dayton,OH.

Summary

Experienced professional with a successful career in Finance, Sales, and Business Development. Excel in interfacing with others at all levels to ensure organizational goals are attained. Proactive approach has resulted in capturing numerous referrals and expanding client base. Excellent interpersonal, analytical and organizational skills. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.

Overview

22
22
years of professional experience

Work History

OPERATIONS MANAGER-MORTGAGE LOAN OFFICER

MOTTO MORTGAGE ALLIANCE
03.2017 - Current
  • Responsible for start up operations, establishing sponsorships thru Fannie Mae and Freddie Mac, credit reporting agencies and wholesale lenders.
  • Oversee all compliance and renewal of all company and employee licensing.
  • Prepared internal and regulatory financial reports.
  • Reconcile payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
  • Analyzed business processes to identify cost savings and operational efficiencies.
  • Established internal audit procedures to validate and improve accuracy of financial reporting.
  • Researched and updated loan officers on industry changes to guidelines and regulations.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Worked with underwriters to fix application problems and resolve issues.

MORTGAGE LOAN MANAGER

CODE CREDIT UNION
04.2013 - 03.2017
  • Oversee mortgage loan department, originating, processing and closing of first and second mortgages.
  • Oversee all mortgage lending compliance, updating systems and training of employees.
  • Assisted in establishing new loan and appraisal guidelines for consumer lending and portfolio products.
  • Work closely with Realtors, Title Company and buyers to ensure smooth closing
  • Plan and develop Realtor marketing events within credit union.
  • Established relationships with city and countywide programs to develop down payment assistance programs for our membership.
  • Analyzed potential risks and evaluated loan products to identify suitable options for members.

FINANCIAL ADVISOR

HOMEOWNERSHIP CENTER DAYTON
01.2013 - 03.2013
  • Assessed client financial situation and explored background through one-on-one interview process.
  • Explored specific plans of action to address creditor demands and reduce debt.
  • Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.
  • Assisted and counseled homeowners with foreclosure mitigation, enabling them to stay in their homes
  • Negotiated with lenders and government funding programs offered by HUD to keep people in their homes.

DIVISION BRANCH MANAGER

UNIVERSAL 1 CU
09.2007 - 11.2012
  • Responsible for effective and efficient performance of division operations.
  • Maintaining proper cash controls, ensuring all division transactions are balanced at close of each day
  • Opened new division branch and assisted with merge of 2 credit union systems.
  • Increased new account and loan volume of division over 200%
  • Consistently ranked in top 2 of division offices in loan volume and overall growth out of 12 offices
  • Actively networked within community to build credit union relationships

MORTGAGE LOAN CONSULTANT

HOME SAVINGS
10.2004 - 10.2005
  • Directed daily operations for satellite sales branch including business development, customer service, credit analysis and financial counseling
  • Managed branch within model home of custom builder and commercial land developer
  • Analyzed financial statements, credit and pertinent information to determine credit worthiness of prospective customers

MORTGAGE LOAN OFFICER

WRIGHT PATT CREDIT UNION
03.2002 - 10.2005
  • Top producing loan officer closing over 26 million in loan volume.
  • Analyzed potential risks and evaluated loan products to identify suitable options for members.
  • Developed and maintained relationships with members, title companies and other third parties.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Worked with area homebuilders in providing lending options for their buyers.

Skills

  • Business Development
  • Leadership
  • Multitasking Abilities
  • Analytical and Critical Thinking
  • Mortgage Loan Origination
  • Verbal Communication
  • Strong Interpersonal Skills
  • Excellent Time Management Skills

Timeline

OPERATIONS MANAGER-MORTGAGE LOAN OFFICER

MOTTO MORTGAGE ALLIANCE
03.2017 - Current

MORTGAGE LOAN MANAGER

CODE CREDIT UNION
04.2013 - 03.2017

FINANCIAL ADVISOR

HOMEOWNERSHIP CENTER DAYTON
01.2013 - 03.2013

DIVISION BRANCH MANAGER

UNIVERSAL 1 CU
09.2007 - 11.2012

MORTGAGE LOAN CONSULTANT

HOME SAVINGS
10.2004 - 10.2005

MORTGAGE LOAN OFFICER

WRIGHT PATT CREDIT UNION
03.2002 - 10.2005

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Tammy Clay