Summary
Overview
Work History
Education
Skills
Timeline
Generic

Tammy L. Summers

521 Alamanni Ct, Graham,NC

Summary

Hard working and passionate job seeker with strong organizational and communication skills. Ready to help team achieve company goals. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team objectives. Enthusiastic and eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Deadline-oriented Mortgage Loan Closer II with a proven history of poise and patience working closely with a range of different personalities. Critical thinker with an eye for checking important mortgage documents for accuracy.

Overview

23
23
years of professional experience

Work History

Mortgage Loan Closer II

Truist Bank
Greensboro, NC
10.2021 - Current


  • Develop and maintain a strong understanding of Mortgage Lending products, policies, processes and procedures.
  • Responsible for the preparation of accurate closing documents and instructions to include ICD, PCD and Final Closing Documents.
  • Develop and maintain positive working relationships with co-workers, internal and external clients, business partners, attorneys and vendors.
  • Consistently update notepad with applicable notes regarding actions taken on the loan.
  • Consistently communicate with settlement agent/attorney and teammates for additional information and documentation needed to ensure a smooth process to close on time.
  • Monitor and remain current on all assigned learning plan courses.
  • Conduct proactive and effective pipeline management in accordance with performance standard expectations.
  • Successfully use critical thinking and analytical stills to close loans.
  • Review all file documentation for accuracy and compliance with regulatory requirements.
  • Complete all required steps for funding and prepare accurate wire requests.
  • Identify, analyze and resolve closing problems accurately.

Mortgage Loan Funder

BB&T Now Truist
Greensboro , NC
08.2018 - 10.2021
  • Assist closers with maintaining a high volume of mortgage loans by completing the funding process for closing transactions and ensuring loans are submitted to post closing within 3 business days.
  • Conduct a pre-funding review of each file to make sure each file is in compliance.
  • Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their requirements.
  • Develop and maintain positive working relationship with closers, co-workers, internal clients, business partners and vendors.
  • Review borrowers signed documents for accuracy and compliance.
  • Communicate with attorneys, closers and teammates for any additional information, documentation or corrections needed.
  • Consistently update notepad with actions taken on the loan.
  • Monitor and remain current on all assigned learning center courses.
  • Proficiency in mortgage automated processing systems.
  • Ensure all loan conditions are cleared prior to funding.
  • Complete all required steps for funding and prepare accurate wire request.
  • Authorize disbursement of funds when a loan closes and conditions have been met.

Mortgage Loan Closer I

BB&T Now Truist
Greensboro, NC
02.2014 - 08.2018


  • Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their requirements.
  • Responsible for the preparation of accurate closing documents and instructions. Calculate and prepare accurate HUD-1 documentation in partnership with closing agent. Analyze all closing loan file documentation for accuracy and compliance with regulatory requirements prior to sending closing package.
  • Develop and maintain positive working relationship with co-workers, internal and external clients, attorneys, business partners and vendors.
  • Monitor and remain current on all assigned learning center classes.
  • Consistently communicate with settlement agent/attorney and teammates for additional information and documentation needed to ensure a smooth process for the loan to close on time.
  • Review exclusionary lists
  • Complete all required steps for funding and prepare accurate wire request.
  • Conduct proactive and effective pipeline management.
  • Adhere to all compliance regulations and controls.
  • Demonstrate proficiency in mortgage automated processing systems.
  • Successfully use critical thinking and analytical skills to close loans.



Underwriter Assistant

BB&T Now Truist
Greensboro, NC
02.2009 - 02.2014


  • Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their requirements.
  • Organize, track and log all incoming files.
  • Develop and maintain positive working relationship with underwriters, processors, co-workers, internal an external clients, business partners and vendors.
  • Responsible for assigning files to the underwriters.
  • Communicate with underwriters, processors and teammates for additional information as needed.
  • Participate in underwriting projects as assigned by manager.
  • Assist underwriters in daily needs based on workload and priority.
  • Monitor and remain current on all courses assigned on Learning Plan.
  • Keep the underwriting files properly documented and organized with accurate, clear and complete information.
  • Examine and analyze loan conditions and clear conditions accordingly.
  • Maintain an adequate inventory of office supplies, ordering more when necessary.
  • Sort and send outgoing files and mail.
  • Review and purge old files as needed.

Mortgage Loan Processor/Administrative Assistant

Choice Investment Group, Inc.
Tacoma, WA
07.2001 - 08.2008


  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Successfully use critical thinking and analytical skills to process loans.
  • Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their requirements.
  • Develop and maintain positive working relationships with co-workers, internal and external clients, business partners and vendors.
  • Obtain required credit and compliance documentation per program requirements from internal clients, external clients, vendors, and third party sources.
  • Consistently update file with tasks completed and outstanding information and documentation needed.
  • Perform detailed review of all documents to ensure that loan meets portfolio and investor guidelines.
  • Communicate with customers in person and via telephone to request additional information and documentation as needed, answer questions and resolve issues.
  • Consistently communicate with originator and applicant concerning progress of loan file.
  • Conduct proactive and effective pipeline management in accordance with performance standard expectations.
  • Order credit reports, titles, appraisals, mortgage payoff statements and verification of employment.

Petroleum Supply Specialist (92F)

US Army
Tacoma, WA
10.1989 - 10.1992
  • Log all transactions to keep tracking system updated.
  • Supervise reception, storage and shipping of bulk and packaged petroleum products.
  • Receive and dispense bulk fuels and water from storage and distribution facilities to using units.
  • Support co-workers in compiling training materials, which may include training manuals, transparencies and handouts necessary to make changes to SOP's to ensure safety and completion of mission.
  • Perform basic clerical tasks to assist in analyzing and evaluating effectiveness of planned or existing systems to maintain 100% accuracy of petroleum distribution.
  • Train new staff on job duties, company policies and safety procedures for rapid onboarding.
  • Perform other clerical and administrative duties such as receiving and screening visitors and phone calls, maintaining a library of the organization SOP manuals and other reference material.
  • Conduct safety inspections of storage facilities to ensure proper standard operation of procedures are being followed.
  • Coordinate with departments and submit samples for performing tests.
  • Ensure adherence with safety procedures and maintain accurate records of inventory.
  • Inspect equipment, perform basic repairs and conduct scheduled maintenance actions.
  • Assemble refueling systems and equipment and perform quality assurance.
  • Fuel military vehicles, aircraft and stationary equipment.
  • Test fuel for pollutants.
  • Handle and transport fuel to vehicles and aircraft.
  • Handle day-to-day shipping and receiving.

Education

Certificate in Computer Business Applications

Business Computer Training Institute
Tacoma, WA

High School Diploma -

Vance Senior High School
Henderson, NC

Skills

  • Excellent verbal and written communication skills
  • Excellent organization skills
  • Proficiency in Microsoft Office
  • Basic Knowledge of Empower
  • Basic knowledge of banking services and products
  • Attention to Detail
  • Time Management
  • Problem Solving and Critical Thinking skills
  • Dependability
  • Willingness to learn
  • Adaptability
  • Able to work independently as well as part of a team

Timeline

Mortgage Loan Closer II

Truist Bank
10.2021 - Current

Mortgage Loan Funder

BB&T Now Truist
08.2018 - 10.2021

Mortgage Loan Closer I

BB&T Now Truist
02.2014 - 08.2018

Underwriter Assistant

BB&T Now Truist
02.2009 - 02.2014

Mortgage Loan Processor/Administrative Assistant

Choice Investment Group, Inc.
07.2001 - 08.2008

Petroleum Supply Specialist (92F)

US Army
10.1989 - 10.1992

Certificate in Computer Business Applications

Business Computer Training Institute

High School Diploma -

Vance Senior High School

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Tammy L. Summers