Tara Young
Mortgage Professtional
Ypsilanti,MI
Summary
Detailed and organized mortgage professional with a talent for thriving in deadline-driven environments. With the ability to master processes and concepts quickly. Certified in Mortgage Regulatory Compliance and Mortgage Servicing. Possess deep understanding of life of loan process and mortgage compliance.
Overview
12
12
years of professional experience
3
3
Certification
Work History
Operations Risk Analyst, Team Lead
Homepoint Financial
Ann Arbor, MI
02.2021 - 11.2022
- Successfully reviewed assigned loan pipeline for compliance.
- Successfully updated spreadsheet with review findings.
- Notified management of any trends or discrepancies with reviews.
- Assisted management in investigating loan audit results.
- Provided customer support and service to internal and external clients.
- Reviewed mortgage loan file data to assess compliance with mortgage regulations..
COC Specialist Team Lead
Homepoint Financial
Ann Arbor, MI
09.2020 - 02.2021
- Responsible for to day-to-day operation of COC team.
- Conducted training for team members, sales team, and other staff.
- Ran daily pipeline reports.
- Successfully achieved and maintained less than 24-hour SLA.
- Successfully created and implemented Internal COC process.
- Provided customer service to internal and external clients.
- Organized and detail-oriented with strong work ethic.
- Worked well in a team setting, providing support and guidance.
Sr. COC Specialist
Homepoint Financial
Ann Arbor, MI
04.2020 - 09.2020
- Responsible for processing internal and external change request
- Provide support and training to team members.
- Reviewed all loan changes and request to insure that loan remained in compliance with investor and underwriting guidelines.
- Handled escalations.
- Ran daily pipeline report.
- Assigned daily production.
- Assisted Team Leader and Management team with any additional task.
- Provided customer support and service to internal and external clients.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Worked well in team setting, providing support and guidance.
Lock Desk Analyst
Homepoint Financial
Ann Arbor, MI
09.2019 - 04.2020
- Analyzed and reviewed pricing to ensure that pricing is correct.
- Provided customer support and service to internal and external clients.
- Used ticketing systems to manage and process support actions and requests.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Resolved Lock Desk request issues over phone with customers daily.
- Processed initial lock request and any updates to lock confirmations.
- Ensure all updates to lock confirmation were compliant in within regulatory guidelines.
- Processed incoming request for changes or updates to existing locks
Registration and Disclosure Team Lead
Fifth Third Bank (Formally MB Financial Bank)
Ann Arbor, MI
11.2014 - 06.2019
- Responsible for day-to-day operation of Registration and Disclosure team.
- Handled all team escalations.
- Monitored team production.
- Trained staff on operating procedures and company services.
- Ensured process procedures were up to date with current regulations and industry standards.
- Handled all customer service calls regarding disclosures.
- Successfully implemented force registration process to ensure Regulation B compliance.
- Successfully implemented Click Sign process to reduce loan registration time.
- Successfully achieved and maintained less than 24-hour SLA for file registrations.
- Provided primary customer support to internal and external customers.
- Maintained up-to-date knowledge of product and service changes.
- Cross-trained and backed up other customer service managers.
Senior Registration Coordinator, Coordinator
MB Financial Bank, NA
Ann Arbor, MI
06.2013 - 11.2014
- Responsible for assisting Team Lead with day-to-day operation of team.
- Assisted team with daily production.
- Conducted training for new hires.
- Issued Good Faith Estimates to clients.
- Conducted pre-underwriting review of loan submissions.
- Reviewed loan file submission for completeness, accuracy, and compliance.
- Provided primary customer support to internal and external customers.
- Successfully coordinated implementation of TRID processes
- Successfully managed registration team in Team Leads absence
- Successfully achieved and maintained less than 24-hour SLA for file registrations
- Led comprehensive staff member training covering key topics.
- Coached employees through day-to-day work and complex problems.
- Answered customer telephone calls promptly to avoid on-hold wait times.
Change Request Coordinator
MB Financial Bank, NA
Ann Arbor, MI
10.2012 - 06.2013
- Re-disclosed Good Faith Estimates within three-day compliance window
- Reviewed all change request submission to ensure request were valid and compliant.
- Successfully re-disclosed Good Faith Estimates with 95% accuracy.
- Successfully completed daily production goals set by management.
- Successfully mastered re-disclosure guidelines.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Provided primary customer support to internal and external customers.
Registration Coordinator
MB Financial Bank, NA
Ann Arbor, MI
10.2010 - 10.2012
- Reviewed loans for compliance and accuracy for submission to underwriting for review.
- Issued Good Faith Estimates to clients within three-day compliance window.
- Successfully registered loans for submission to underwriting with 99% accuracy.
- Successfully exceeded daily production goals set by management.
- Successfully corresponded with clients to request information or documents needed.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Responded to customer requests for products, services and company information.
- Provided primary customer support to internal and external customers.
Education
Certificate in Office Adminstration - Office Administration
Washtenaw Community College
Ann Arbor, MI05.2009
Skills
- Customer Service
- Mortgage Compliance Requirements
- TRID
- FHA Guidelines
- VA Guidelines
- USDA Guidelines
- Conventional Guidelines
- Underwriting Guidelines
- Fair Lending Regulations
- ComplainceEase
- Encompass LOS
- Microsoft Office 10
- Computer Proficient
Certification
National Association of Mortgage Underwriter
Certified Mortgage Regulatory Compliance- CMRC
National Association of Mortgage Processors
Certified Mortgage Servicing Specialist - CMSS
Advanced Innovation Group Pro Excellence (AIGPE)
Certified Lean Six Sigma- Yellow Belt
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Success is not final; failure is not fatal: It is the courage to continue that counts.
Winston S. Churchill
Timeline
Operations Risk Analyst, Team Lead
Homepoint Financial
02.2021 - 11.2022
COC Specialist Team Lead
Homepoint Financial
09.2020 - 02.2021
Sr. COC Specialist
Homepoint Financial
04.2020 - 09.2020
Lock Desk Analyst
Homepoint Financial
09.2019 - 04.2020
Registration and Disclosure Team Lead
Fifth Third Bank (Formally MB Financial Bank)
11.2014 - 06.2019
Senior Registration Coordinator, Coordinator
MB Financial Bank, NA
06.2013 - 11.2014
Change Request Coordinator
MB Financial Bank, NA
10.2012 - 06.2013
Registration Coordinator
MB Financial Bank, NA
10.2010 - 10.2012
Certificate in Office Adminstration - Office Administration
Washtenaw Community College