Summary
Overview
Work History
Education
Skills
References
High Flyer Award
Timeline
Generic

Tara Taylor

Pennsauken,NJ

Summary

Versatile mortgage professional specializing in customer service and lending standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.

Overview

16
16
years of professional experience

Work History

Class A Flat Bed Truck Driver

Universal Logistics of VA, LLC
05.2023 - 03.2024
  • Operated with safety and skill to avoid accidents and delays.
  • Maintained a clean driving record while adhering to company policies and federal regulations for transportation safety.
  • Inspected trucks for malfunctions and reported vehicles to management for corrective action.
  • Utilized GPS and other navigation tools to plan routes and stay on schedule.
  • Successfully navigated challenging weather conditions in order to maintain on-time delivery rates without compromising safety or cargo integrity.
  • Proactively communicated with dispatch teams regarding any changes or updates affecting scheduled pick-ups or deliveries, ensuring that all parties were kept informed.
  • Enhanced customer satisfaction by maintaining open communication with clients during pickups and deliveries.
  • Achieved high levels of customer satisfaction through professional interaction with clients at pickup and delivery points, representing the company positively at all times.
  • Assisted in training new drivers on company procedures, resulting in a more cohesive team dynamic among truck driver staff.
  • Achieved high levels of customer satisfaction, reliably meeting specific delivery instructions.

Conventional/VA Full Doc Underwriter

Freedom Mortgage
01.2019 - 11.2022
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.

Loan Processor

Guaranteed Rate Affinity
05.2016 - 12.2017
  • Manage a pipeline of at least 25 customers
  • Assist customers with home financing process through to closing
  • Translate and coordinate event logistics to meet investor loan requirements for financing
  • Communicate with all internal and external third party stake holders (Underwriters, Real Estate Agents, Financial Advisors) through to schedule closing of loans
  • Manage and maintain a predetermined registration to closing percentage
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.

Due Diligence Underwriter II

AMC (Formally JCIII & Associates)
10.2014 - 05.2016


  • Analyze credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents
  • Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors
  • Determine and document loan conditions and communicate requirements and/or decisions
  • Consistently meet established productivity and quality measurements on a consistent basis
  • Identify portfolio risks resulting from the client’s underlying business practices, underwriting, and/or fraud exposure
  • Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.

Scenario Underwriter II

PHH Mortgage Corporation
02.2011 - 10.2014
  • Review and decision credit, income, asset and property documentation on designated loans for compliance with PHH and investor guidelines and clearing conditions as applicable
  • Identify and work through alternatives for loans that fall outside of guidelines
  • Translate underwriting guidelines with application of mitigating factors, when applicable, to ensure proper salability to investors
  • Communicate both in writing and orally with third party stakeholders and clients as needed
  • Review low risk flags from data alerts to clear variances
  • Update processing system with appropriate conditions
  • Consistently meet established productivity and quality measurements on a consistent basis
  • Answer all incoming emails
  • Answer inbound calls and act as a Subject Matter Expert to assist all Mortgage Advisor and Sales Consultants

Junior Underwriter

Inifinty Staffing (PHH Mortgage)
06.2010 - 02.2011
  • Reviewed and decision credit, income, asset and property documentation
  • Worked closely with Senior Underwriters and Supervisors to interpret loans that fall outside of investor guidelines
  • Update system with appropriate conditions for processing department to clear

Supervisor/Quality Assurance

Corporate Call Center
01.2009 - 06.2010
  • Ensure that inbound/outbound calls are handled in a timely, courteous, and professional manner
  • Monitor three phone calls per month for each agent
  • Provide performance feedback and coaching
  • Use CMS Supervisor to monitor call volume/aux code usage
  • Provide agents with most up to date information to complete job responsibilities
  • Handle escalated calls from agents
  • Compile daily reports as needed
  • Assist with schedule changes
  • Complete IBC Daily Reports as necessary
  • Assist with reassignment of staff as needed to meet call volume expectations
  • Identify behavior/actions that require disciplinary action; document and forward to Quality Management and Project Manager

Licensed Insurance Agent

The Hartford
01.2008 - 01.2009
  • Answer incoming/outgoing calls for current and potential new customers
  • Relay enrollment guidelines to members
  • Work with “Siebel System” to manage/update accounts and send out product requests
  • Assist with training of new hires (role play, teach how to use data base “Siebel System”, review various health plan options as it would pertain to individual customer needs)
  • Process payment information
  • Calculated quotes and educated potential clients on insurance options.
  • Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.

Education

Certificate of Business Office Technologies -

Job Corps

AAA School of Trucking

No Degree - Cyber Security

Camden County Community Collete
Camden, NJ
05.2027

Skills

  • Safe Driving

  • Strong Work Ethic

  • Self-motivation and discipline

  • Safe Driving Practices

  • Residential mortgage lending regulations

  • Underwriting guidelines

  • Documentation Review

  • Pipeline Management

  • Typing speed 60 WPM

  • Computer Skills

    • Proficient in Microsoft software

References

Available Upon Request

High Flyer Award

The High Flyer Award is given to those who exhibit Freedom Mortgage's shared values and behaviors. High Flyers are recognized for their contribution to the company, their department and their clients, as well as their own development.

Timeline

Class A Flat Bed Truck Driver

Universal Logistics of VA, LLC
05.2023 - 03.2024

Conventional/VA Full Doc Underwriter

Freedom Mortgage
01.2019 - 11.2022

Loan Processor

Guaranteed Rate Affinity
05.2016 - 12.2017

Due Diligence Underwriter II

AMC (Formally JCIII & Associates)
10.2014 - 05.2016

Scenario Underwriter II

PHH Mortgage Corporation
02.2011 - 10.2014

Junior Underwriter

Inifinty Staffing (PHH Mortgage)
06.2010 - 02.2011

Supervisor/Quality Assurance

Corporate Call Center
01.2009 - 06.2010

Licensed Insurance Agent

The Hartford
01.2008 - 01.2009

AAA School of Trucking

Certificate of Business Office Technologies -

Job Corps

No Degree - Cyber Security

Camden County Community Collete

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