Summary
Overview
Work History
Education
Skills
Timeline
Generic

TAMMY L. DONOVAN

Summary

I have 10+ years in the mortgage loan industry as well as administrative level positions. I have a vast experience working with government loans such as FHA, VA, and some USDA. I have also worked with bond loans too. I feel I would be a true asset to any company looking for a Post Closer who has worked on the back end with investors purchasing loans.

Overview

11
11
years of professional experience

Work History

Investor Purchase Clearing Specialist

Homespire Mortgage
Gaithersburg, Maryland
01.2020 - 08.2022
  • Developed spreadsheet models for various investors with a timeline for lock dates, closing dates, etc.
  • Created and maintained precise and accurate charts and reports for management for closed files that were purchased within that week
  • Monitored closed loan file for missing documents, signatures, dates, or pages needed to complete file for purchase with investor
  • Reviewed all closing legal documents and prepared files for shipping to investors for purchase
  • Ordered/Requested missing documents from appropriate parties such as title company, processor, underwriter, etc. to provide any corrections or missing items


Loan Processor

Freedmont Mortgage
Hunt Valley, Maryland
07.2020 - 12.2020
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Processed loans within various departments to achieve timely, accurate and fair proceedings.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Set up and completed loan submission packages.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.
  • Checked packages for appropriate documentation.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering FHA, USDA, VA loans.

Loan Processor

Loan Depot
Columbia, Maryland
01.2016 - 09.2019
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Processed loans within various departments to achieve timely, accurate and fair proceedings.
  • Prepared file for final clear-to-close by branch management.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
  • Handled any conditions sent from underwriting departments.
  • Set up and completed loan submission packages.
  • Completed denial and cancellation procedures on applicable files.
  • Oversaw file input in mortgage software and grant-specific software.
  • Reviewed and validated details of loan applications and closing documentation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Verified credit histories, personal references and employment backgrounds for each applicant.

Mortgage Processor

Mortgage Master
Columbia, Maryland
03.2012 - 01.2016
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Processed loans within various departments to achieve timely, accurate and fair proceedings.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Set up and completed loan submission packages.
  • Handled any conditions sent from underwriting departments.
  • Checked packages for appropriate documentation.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Issues reports for old and new loans based on field inspections of loan sites.

Education

High School Diploma -

Gaithersburg High School
Gaithersburg, MD

Skills

  • Report Preparation and Presentation
  • Service Quality
  • Administrative Support
  • Accounting Systems
  • Borrower Correspondence
  • Corporate Financial Statements
  • Application Process Management
  • Employment Verification
  • Payment Schedule Computation
  • File Management
  • Data Entry
  • Teamwork and Collaboration
  • Loan Processing Coordination
  • Dedicated Work Ethic
  • Mortgage Loan Software
  • Status Updates
  • Complaint Handling
  • Automated Underwriting Systems
  • Attention to Detail
  • Reading Comprehension
  • Customer Service
  • Customer Relations
  • Credit Reports
  • VA and FHA Loan Processing
  • File Organization
  • Oral and Written Comprehension
  • 10-Key Data Entry
  • Desktop Underwriter
  • Legal Documentation
  • Credit Applications
  • Credit Verification
  • Credit Reporting Software
  • Loan Paperwork
  • Closing Documentation
  • Insurance Forms
  • Mortgage Loan Processing
  • Lending Software Systems

Timeline

Loan Processor

Freedmont Mortgage
07.2020 - 12.2020

Investor Purchase Clearing Specialist

Homespire Mortgage
01.2020 - 08.2022

Loan Processor

Loan Depot
01.2016 - 09.2019

Mortgage Processor

Mortgage Master
03.2012 - 01.2016

High School Diploma -

Gaithersburg High School

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TAMMY L. DONOVAN