Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Tara-Lee Peru

Columbia

Summary

Dynamic and results-driven banking professional with over 15 years of experience in customer service, loss mitigation, collections, and mortgage loan processing. Expertise includes operational support and analysis, client relations, and account management, ensuring a comprehensive approach to financial solutions. Highly proficient in Microsoft Office Suite, particularly Excel and Access, facilitating effective data management and reporting. A unique blend of creativity and analytical skills fosters the development of innovative, cost-effective solutions tailored to meet the needs of internal teams and external clients.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Mortgage Loan Processor

TD Bank
09.2015 - 05.2025
  • Analyzed borrower credit reports, income, assets, and employment documentation prior to underwriting; prepared accurate Forms 1003/1008.
  • Ensured compliance with RESPA, TILA, HMDA, and Reg B; prepared required disclosures and maintained complete, compliant loan files.
  • Coordinated with Loan Originators, Underwriters, borrowers, and vendors to resolve conditions and obtain surveys, flood certs, title commitments, and payoff statements.
  • Managed loan pipeline of 50+ loans using Encompass LOS, tracked vendor orders/invoices, and submitted reports within required turnaround times.
  • Streamlined loan application workflow by implementing standardized checklists, reducing processing delays.
  • Prepared file for final clear-to-close and discussed Closing Disclosure fees with borrowers.

Real Estate Agent

Coldwell Banker
10.2017 - 06.2023
  • Communicated with clients to understand property needs and preferences.
  • Wrote listings detailing and professionally highlighting property features to increase sales chances.
  • Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
  • Negotiated, facilitated, and managed real estate transactions.
  • Maintained connections with clients to encourage repeat business and referrals.
  • Advertised client properties through websites, social media, and real estate guides.
  • Conducted comprehensive market analysis to identify opportunities for investors.
  • Managed scheduled meetings to maintain satisfaction of both buyers and sellers and facilitate smooth purchases.

Foreclosure Processor

Hutchens Law Firm
11.2019 - 03.2020
  • Drafted and prepared legal foreclosure documents for court proceedings, ensuring accuracy and compliance with state and federal requirements.
  • Served as liaison between mortgage companies, attorneys, and homeowners, facilitating communication and foreclosure intervention efforts.
  • Analyzed foreclosure sale bids, short sale, judgments, loan modification, reinstatements and payoffs.
  • Strengthened financial operations by conducting bank reconciliations and financial reporting.
  • Coordinated and rescheduled foreclosure sale dates when required, maintaining compliance with investor and court timelines.
  • Performed bankruptcy searches to identify potential filings impacting foreclosure proceedings
  • Evaluated foreclosure litigation paperwork, affidavits, and post-sale documents for court hearings.

Mortgage Loss Mitigation Specialist

First Citizen Bank
08.2014 - 05.2015
  • Analyzed credit reports, income, asset, title documents, and appraisals and partnered with underwriters for hardship assistance.
  • Obtained and reviewed borrower financial documentation to evaluate eligibility for loss mitigation options including short sales, deeds-in-lieu, forbearance agreements, and repayment plans.
  • Checked property valuations to assess foreclosure feasibility.
  • Calculated DTI, LTV, and CLTV ratios to determine borrower qualification for loan modifications, renewals, and refinancing programs.
  • Assisted with foreclosure intervention for borrowers 120+ days delinquent by negotiating repayment terms, drafting repayment agreements, and ensuring compliance with program requirements.
  • Coordinated with attorneys, borrowers, and internal departments to implement and monitor approved mitigation strategies
  • Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.


Senior Personal Loan Support Analyst

Citigroup / CitiFinancial
12.2007 - 12.2013
  • Managed delinquent accounts for unsecured personal loans, credit cards, and secured loans (auto and real estate), providing loss mitigation solutions and recovery strategies.
  • Conducted financial analysis on delinquent accounts to determine appropriate repayment options and collection actions.
  • Handled high-volume inbound and outbound calls using manual and automatic dialer system,
  • Negotiated with account holders to devise customized repayment plans tailored to their needs and minimize collections receivables.
  • Developed and implemented strategies to reduce aged receivables through proactive customer outreach and follow-up communication.
  • Utilized skip-tracing techniques to locate difficult-to-reach customers, achieving successful recovery of outstanding balances.
  • Delivered professional and empathetic customer service during collection calls while maintaining compliance with FDCPA and company policies.
  • Managed high-volume account workloads, ensuring timely resolution while maintaining accuracy and attention to detail.
  • Mentored junior collectors on best practices for effective communication during difficult conversations with clients


Education

Real Estate Law Certificate of Completion -

Midlands Technical Community College
01-2015

Coursework in Business Management -

Queens University of Charlotte
01.2013

Skills

  • Mortgage loan management
  • Financial credit assessment
  • Client support
  • Encompass proficiency
  • Short Sale, forbearance and deed-in-lieu management
  • Residential mortgage lending regulations (FHA, VA, USDA, Conventional)
  • Financial document review
  • Underwriting
  • Appraisals Review / Comparative Market Analysis
  • Understanding of residential lending compliance
  • Bankruptcy search expertise
  • Foreclosure case management
  • Regulatory compliance knowledge

Certification

NMLS

South Carolina Notary 2025-2035

South Carolina Real Estate Agent 2017-2023

Timeline

Foreclosure Processor

Hutchens Law Firm
11.2019 - 03.2020

Real Estate Agent

Coldwell Banker
10.2017 - 06.2023

Mortgage Loan Processor

TD Bank
09.2015 - 05.2025

Mortgage Loss Mitigation Specialist

First Citizen Bank
08.2014 - 05.2015

Senior Personal Loan Support Analyst

Citigroup / CitiFinancial
12.2007 - 12.2013

Real Estate Law Certificate of Completion -

Midlands Technical Community College

Coursework in Business Management -

Queens University of Charlotte

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Tara-Lee Peru