Tarra Johnson

Manages an assigned pipeline of 35-50 plus loans on a daily and weekly basis

· Processes loans from application to closing including but not limited to:

o Collecting and analyzing documents to submit to Underwriting for final appro

o Maintains daily workflow prioritization to ensure pipeline management meets required closing dates

o Orders all required verifications, documentation and subsequent follow-ups and ensures all timeframes and compliance requirements are being met

o Verifes conditions of approval which may include customer income/assets documentation, resolves routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens and reconveyances

· Provides excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm

· Ensures customer service surveys maintain the rating level designated by management

· Communicates with all parties involved in the transaction to keep them informed of file status

· Reviews and analyzes all necessary documentation, including borrower docs and third-party docs

· Interprets policies while analyzing applicant information, property and documentation

· Calculates borrower income for all employment types

Prepared to become a FINRA Registered Representative by studying for the SIE, Series 7, And Series 63 licenses. Obtained my SIE.

• Managed a pipeline of 10-30 VA, and Conventional purchase loans per month
• Performed timely reviews of submitted conditions and loan re-submissions.
• Verified and evaluated loan documentation such as debt-to-income ratios, credit reports, credit history, income sources, and property documents to prepare and submit detailed loan applications to underwriting.
• Communicated regularly with loan officers, underwriters, and borrowers to obtain missing information or resolve discrepancies.
• Organized and maintained loan files in accordance with company policies and regulations.
• Ability to read rate sheets and lock interest rates on loans.

• Managed a pipeline of an average of 30-60 Purchase, Refinance, FHA, VA, Renovation, and USDA loans per month.
• Review and analyze income, assets, and collateral documentation based on product offerings and credit authority.
• Outstanding customer service skills and client communications; proactive in communicating critical issues to clients, loan officers, and other business partners and interested parties to the transaction.
• Strong verbal and written communication skills displaying the ability to take complex situations and deliver the message at a customer level.
• Excellent organizational skills including time management and the ability to multi-task in a fast-paced environment.
• Out of the box thinker in evaluating & applying policies and procedural practices; effective problem solver and strong decision-making skills
• Sustained production performance with excellent loan quality level
• Proactive team player bringing groups together while still maintaining the ability to work independently.

• Managed a portfolio of an average of 30-60 refinance and purchase loans per month for High-Net-Worth customers.
• Analyzed income, assets, and collateral documentation before sending the file to underwriting for final approval.
• Outstanding customer service skills and client communications; proactive in communicating critical issues to clients, loan officers, and other business partners and interested parties to the transaction.
• Strong verbal and written communication skills displaying the ability to take complex situations and deliver the message at a customer level.
• Excellent organizational skills including time management and the ability to multi-task in a fast-paced environment.

• Managed a pipeline of Conventional, USDA, FHA, VA, Bond, H2H and DPA Products
• Expertly assess and analyze complex mortgage applications to determine eligibility for loan approval.
• Collaborate with loan officers, underwriters, and borrowers to gather necessary documentation and resolve any discrepancies or issues.
• Reviewed all submitted documentation for accuracy and compliance.
• Prepare presentation of documentation for final review & approval by lending authority; communicate lending decisions and collect any further requests.
• Ability to make rational risk-based decisions with regards to underwriting and processing determinations
• Consistently handle excessive volumes in peak periods while keeping all parties informed and paying particular attention to meeting their legal agreements.

• Review financial documentation, payment history, and hardship letters to determine eligibility for modification programs.
• Assess and underwrite loan modification requests from borrowers for compliance with investor and institutional guidelines.
• Communicated the lending decisions; ensuring these decisions are communicated both verbally & in written documentation.
• Developed expertise in principle practices and regulations as the markets continued to dictate continual change during this economic period.
• Maintain all databases, workflows, and systems while gaining both corporate & investor acceptance.
• Results oriented professional - complying with measurable standards in areas of customer satisfaction, speed, and efficiency while maintaining quality standards.