Elizabeth Thao

· Evaluate internal policies and procedures comply with federal and state level laws and regulations. Although not all inclusive, examples of such laws and regulations include TILA, TILA-RESPA, TRID, ECOS, FDPA, FCRA, FDCPA, RESPA, HMDA, Privacy Act and HOEPA.

· Evaluate fees on CD to ensure fees are accurate and correct any fees that may not correlate.

· Evaluate and ensure loan files are disclosed in a timely manner and adhere to RESPA/TRID regulations.

· Create, process, and send regulatory required disclosures for mortgage loans, including loan estimates and redisclosures for all mortgage loan types including conventional and government loans.

· Guarantee loan file meet stipulations of E-Sign Act.

· Act as a liaison between the Loan Officer and clients and communicate any missing information on disclosures as necessary.

· Assign, review, process and send an average of 20 files plus per day.

· Review loan application for completion and errors and omission.

· Review, process and send a complete loan application to each borrower within mailbox rule.

· Disclose a change of circumstances within 3 days should any changes occur after the initial loan application has been disclosed.

· Review loan files to meet stipulations of E-sign act.

· Create, process, and send regulatory required disclosures for mortgage loans, including loan estimates and re-disclosures for all mortgage loan types including conventional and government loans.

• Led and assisted technical upgrade projects for clients by working and coordinating with consultants and developers for integrations.
• Interfaced with high-level client personnel, collecting performance feedback and integrating positive and negative evaluations into future IT policies.
• Identified computer hardware and network system issues, performing troubleshooting techniques for remediation.
• Worked closely with management teams to plan, develop and execute technical strategies aligned to client's vision.
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Worked well in a team setting, providing support and guidance.
• Worked effectively in fast-paced environments.
• Managed time efficiently in order to complete all tasks within deadlines.

· Maintains personnel files in compliance with applicable legal requirements.

· Process new hires, terminations, and update HR Systems (Hireright, Paycom, Datatrac) accordingly.

· Create and process offer letters, HR onboarding required paperwork.

· Scan personnel documents into employees file in HR system, Data Trac.

· Work with CFO to create fair and consistent HR policies and procedures.

· Review Federal and State laws to confirm and enforce company compliance.

· Perform customer service functions by answering employee requests and questions.

· Perform customer service functions by answering potential new hire requests and questions.

· Performs record keeping and clerical functions for the needs of the company.

· Send daily margin reports for purchase and closed loans to Executive Managers.

· Performs other duties as assigned.

· Perform customer service functions by answering vendors and clients’ requests and questions concerning payments.

· Manage receivable and payable accounts using PeachTree and AMB program.

· Assist AR Collection Representatives in all AR functions as necessary.

· Perform Daily cash & custodial reconciliation.

· Research and resolve billing and invoice problems.

· Maintain and reconcile general ledger accounts weekly at loan level.

· Process an average of 100 plus invoices per month for a large-scale organization.

· Code the general ledger and processed vendor invoice payments.

· Match and scan invoices to payments into accounting system, AMB and internal storage.

· Deposit third party checks, as well as monthly reserve transfers.

· Receive and record any cash, checks and vouchers, as well as reconciled records of bank transactions.

· Review and process employee expense reimbursement.

· Suggest process improvements to secure prompt and regular receipts for the organization.

· Set- up wires (BB&T, VP & Wells Fargo) to approve when a transfer needs to be made.

· Interim servicing management-running report and send invoices out for 1st payments and past dues.

· Assist with various research projects and/or special projects, such as asset & audit.

• Checked accuracy and completeness of all paperwork.
• Completed post-closing quality control evaluations of originated mortgage loans.
• Prepared and reviewed buyer, seller, HUD and other transaction documents.
• Worked with warehouse banks to manage shipment of collateral documents.
• Prepared loan packages and closing instructions for bank employees.
• Reviewed and validated details of loan applications and closing documentation.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.

• Answered inquiries and provided superior customer service to clients.
• Set up files using loan officer checklist and submitted on-time for processing.
• Communicated with customers daily to request information and complete paperwork.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
• Assisted with timely loan closing and funding activities with efficient management of task checklists.
• Assembled important paperwork and disclosures for borrower.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Liaised with clients to guide through loan closing process and skillfully handle any concerns.
• Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
• Interviewed loan applicants to obtain personal and financial data to assist in completing applications.

• Handled cash register operations and customer transactions to process payments.
• Trained, coached, and mentored new sales associates for maximum performance.
• Answered customer questions about products and services, helped locate merchandise, and promoted key items.
• Processed and stocked merchandise in accordance with store standards.
• Maintained store visual standards by setting up window and interior displays to merchandising guidelines.
• Provided exceptional customer service to foster client loyalty and satisfaction.
• Performed inventory control procedures to manage stock.
• Greeted customers and provided product advice to increase sales.
• Participated in store meetings and product training sessions to understand and sell items.
• Developed and maintained knowledge of current sales and promotions.
• Monitored sales team performance and provided constructive feedback.
• Assisted in development of monthly sales goals to motivate team and drive business objectives.
• Kept detailed track of sales and customer information in company system.
• Worked closely with other departments to understand full scope of available offerings and provide top-notch salesmanship to customers.
• Trained new employees on customer service, money handling and organizing strategies.