Tara Flamer
Lawrenceville,Georgia
Summary
Senior loan processor with extensive experience at DHI Mortgage, specializing in compliance oversight and client relationship management. Demonstrated success in streamlining loan processing and improving operational efficiency. Skilled in contract negotiation and analytical problem-solving, ensuring timely and accurate funding while upholding high-quality standards.
Overview
20
20
years of professional experience
Work History
Sr, Loan Processor
DHI Mortgage
Atlanta, Georgia
07.2020 - Current
- Efficiently managed FHA, VA, USDA, and conventional loan pipelines, contributing to seamless loan processing.
- Prioritized and maintained high-quality pipeline of builder purchase and refinance mortgage loans, ensuring timely processing.
- Reviewed documentation for compliance with internal and regulatory guidelines.
- Collaborated with appraisers and underwriters for accurate property valuations.
- Cleared processing conditions prior to submission to underwriting.
- Identified and reported document deficiencies and inconsistencies, facilitating compliance with regulatory standards.
- Communicated with vendors to obtain title report, HOI payoffs, and property appraisals.
- Conducted follow-up calls to verify resolution of issues and address client needs.
Sr. Closer
Silverton Mortgage
Atlanta, GA
02.2020 - 07.2020
- Authorized funding after verifying documentation accuracy, ensuring compliance and risk mitigation.
- Ordered credit reports, appraisals, title insurance, and certifications to facilitate timely loan processing.
- Maintained proactive communication with brokers, partners, attorneys, and agents regarding closing and compliance requirements.
- Reviewed closing disclosures for accuracy, communicating final approval status to stakeholders for seamless transactions.
- Coordinated with title company to confirm loan readiness for funding; executed loans via wire transfer and updated system statuses.
- Audited signed closed loan documents and reconciled HUD/CD in compliance with all regulatory guidelines.
- Processed allonges and assignment of mortgage for investor loans, ensuring timely signatures.
- Assembled and verified documents for delivery to title company.
Sr, Loan Processor
SunTrust Bank
Atlanta, Georgia
01.2019 - 02.2020
- Prioritized and maintained quality pipeline of purchase and refinance mortgage loans, ensuring timely processing and client satisfaction.
- Review documentation for compliance with internal and regulatory guidelines in order to minimize loan losses and legal concerns.
- Coordinated with outside vendors to obtain Title Reports, HOI, payoffs, and property appraisals, streamlining the loan processing timeline.
- Clear processing conditions prior to submission to underwriting.
- Identified and reported document deficiencies, inconsistencies, and misrepresentations, mitigating risks associated with loan approvals.
- Conduct follow up calls to verify all issues and concerns are addressed and ensure all client needs have been met.
- Communicate initial credit decision upon the completion of the Underwriting review.
- Review final Closing Disclosure/HUD prior to closing/funding to ensure all fees are accurate and balanced.
- Submit information to OFAC group to verify potential matches with terrorist suspect lists.
Mortgage Closer
SunTrust Bank
Atlanta, Georgia
10.2016 - 01.2019
- Authorized funding after thorough verification of all documentation to ensure compliance and accuracy.
- Reviewed Closing Disclosures (CD) for accuracy and advised of final approval.
- Reviewed and audited signed closed loan documents, ensuring adherence to bank policies and regulatory guidelines during pre-funding reconciliation of HUD/CD.
- Coordinated and confirmed with the title company that the loan is ready to fund per policy and procedures; funded loans via wire and updated statuses in system.
- Assembled and reviewed documents for accuracy prior to delivery to title company.
- Ordered credit reports, appraisals, title insurance, and other certifications.
- Responded to inquiries about closing and compliance requirements through proactive communication with brokers, partners, attorneys, and closing/settlement agents, facilitating timely updates on loan status.
- Sent Allonge and Assignment of Mortgage required on Investor loans to the appropriate person for signature.
Business Government Customer Operation Coordinator
Verizon Wireless
Alpharetta, GA
03.2013 - 10.2016
- Managed profitable account relationships within portfolio, enhancing client satisfaction and retention.
- Partnered with customers to understand business goals, strategies, and challenges.
- Assessed financial needs to develop tailored business plans, aligning solutions with customer goals.
- Delivered diverse financial products and services to ensure consistent revenue growth.
- Provided high-level resolution support across various business types and customer segments.
- Analyzed data through report creation, providing actionable insights to inform strategic decision-making.
Operations Analyst
Verizon Wireless
Alpharetta, GA
05.2012 - 03.2013
- Streamlined communication flow across departments to improve information sharing.
- Facilitated employee dialogue with leadership to encourage transparency.
- Coordinated ordering and vendor payments for company events, ensuring timely execution.
- Assisted with area-wide events and leadership visits.
Asset Performance Specialist
Verizon Wireless
Alpharetta, GA
09.2011 - 05.2012
- Analyzed performance data to identify trends and areas for improvement.
- Reviewed and managed portfolios of non-performing accounts to ensure effective resolution strategies.
- Prepared and approved payment plan requests, facilitating repayment options for clients.
- Collaborated with cross-functional teams to drive operational efficiency.
- Developed training materials to enhance team skills and knowledge.
Customer Advocate
Verizon Wireless
Alpharetta, GA
05.2006 - 03.2011
- Delivered daily customer support through inbound calls, resolving billing, technical, and end user inquiries to enhance customer satisfaction.
- Identified effective solutions to align with organizational targets and address customer needs proactively.
- Utilized essential systems effectively, adapting to new system changes to maintain service quality.
Education
Some College (No Degree) - Human Resources Management
Strayer University
Roswell, GeorgiaSkills
- Loan processing
- Contract negotiation
- Client relationship management
- Project management
- Analytical skills and quality improvement
- Compliance oversight
- Microsoft Office proficiency
- Customer Relationship Management
Phone
cell, 678-780-1289
Timeline
Sr, Loan Processor
DHI Mortgage
07.2020 - Current
Sr. Closer
Silverton Mortgage
02.2020 - 07.2020
Sr, Loan Processor
SunTrust Bank
01.2019 - 02.2020
Mortgage Closer
SunTrust Bank
10.2016 - 01.2019
Business Government Customer Operation Coordinator
Verizon Wireless
03.2013 - 10.2016
Operations Analyst
Verizon Wireless
05.2012 - 03.2013
Asset Performance Specialist
Verizon Wireless
09.2011 - 05.2012
Customer Advocate
Verizon Wireless
05.2006 - 03.2011
Some College (No Degree) - Human Resources Management
Strayer University