Tiffany Clark
Jacksonville,US
Summary
Experienced loan processor offering 18 years of experience in the mortgage Industry. Highly efficient in processing VA, USDA, FHA, Conventional, Heloc, Reverse, and DPA loans. Excellent reputation for resolving problems and improving customer satisfaction. Detail-oriented team player with strong organizational skills and the ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
18
18
years of professional experience
Work History
Loan Processor II
Finance of America Reverse LLC
Tulsa, OK
12.2024 - Current
- Ensures the accurate input of information into the LOS and updates information throughout the process as necessary and required
- Confirms that all rates and fees input into the system are accurate and comply with the requirements of federal/state and Company guidelines
- Ensures necessary verifications of income, employment, and assets are obtained as/when needed
- Serves as liaison and point of contact to guide clients & Loan Officers through the closing process
- Reviews all underwriting conditions required from the borrower that have been submitted within 24-48 hrs
- Collects all required documentation for closing of loan (title insurance policies, hazard, etc.)
- Ensures the system in the Loan Origination System is accurate and corresponds to the document data
- Coordinates the scheduling of loan fundings with loan participants
- Reviews all disclosures for accuracy and completeness
- Ensures all fees are updated and documented for the preparation of both the Initial Disclosures and Final Loan Documents
- Ensures that all Change of Circumstances are properly documented and disclosed within the required timeframe
- Reviews and ensures that all prior funding conditions and documents are prepared, signed off, and in the file
- Acts as the main point of contact for sales, underwriting, funding, title company, broker, and or client and settlement agent (if required)
- Maintains clear, consistent, and professional lines of communication between all parties involved in the process and escalates issues as required to Management promptly to ensure effective resolution
- Ensures that the pipeline is reviewed and updated regularly with emphasis on critical dates and expiration, and carefully applies all required procedures to pipeline loans being cancelled or denied
- Ensures loan packages comply with Company policies and procedures, as well as investor policies and procedures
- Maintains acceptable levels of conversion (active and closed loans) ratios pursuant to the position
- Processes and maintains a pipeline of 50-plus loans
- Communicates clearly and precisely with loan officers, borrowers, underwriters, and funders to facilitate and ensure a smooth closing process
- Attends and participates in regular and ad hoc departmental meetings
- Remains current on all company requirements and federal and state regulations to ensure compliance
- Ensures compliance with federal, state, investor, and company policies and procedures
- Follows the Company standards for delivery of integrity, client focus, teamwork, and respect for each individual in every interaction
- Exhibits an observable sense of urgency in the execution of all job functions and duties
- Meets or exceeds the levels of Customer Service delivery established by the Company
- Meets all productivity standards as set by the Company
- Performs other duties as assigned by management
Mortgage Loan Processor
Mutual Of Omaha
04.2024 - 11.2024
- Effectively manage and process a full pipeline of mortgage loan files (25-60)
- Evaluate loan files for regulatory compliance and completeness
- Accurately review and input pertinent loan data into operational systems
- Order supplementary vendor products, such as title reports and property appraisals
- Obtain required underwriting conditions from loan officer and/or loan applicant(s)
- Communicate pipeline and file status to retail sales channels and management
- Work closely with all operational departments to establish productive and efficient workflows
- Complete required checklists and worksheets
Escrow Coordinator
Allied Solutions
Carmel, IN
01.2024 - 04.2024
- Analyze loan-level file policies and procedures on behalf of Allied and our clients. Review and analyze servicing reporting for escrow advances, lender-placed insurance, and fee research. Accurately verify, key, and/or memo insurance information about all escrow product/coverage types (windstorm, hazard, wind, etc.). Update loan history based on research and documentation received (either written or verbal). Accurately compose written information for loan histories
- Gather, interpret, and use complex data to develop actionable steps that will improve processes and optimize results.
- Assess company and client needs through receipt of information, research of loan history, and analyzing data. Look for telltale trends or areas of improvement.
- Thoroughly understand hazard-forced placed certificates, procedures, and consequences of not following the correct processes and/or procedures. Maintain knowledge of escrow servicing regulations to maintain compliance with Federal, State,
and agency-specific guidelines. - Effectively and professionally present Escrow policies, procedures, and tips as needed. Follows up and resolves problems or issues with little to no direction from the supervisor or Document & Data Processes Management Team. Handles unique processes with little to no direction from the supervisor or Document & Data Processes Management Team. Distribute and exchange information with others.
- Conduct Web inquiries to insurance companies to verify insurance and process the escrow work queue images with accuracy while meeting or exceeding department benchmarks.
- Meet or exceed set goals and assigned workload expectations for productivity.
- Report any system-related issues.
- Assist supervisor with special projects.
- Assist with mentoring other employees in the Document & Data Processes Department as required.
- Answers questions, corrects errors, and resolves discrepancies.
- Prolonged periods of sitting at a desk, working on a computer, and being available and responsive via email/phone/messaging
- Performs other duties as assigned.
Transaction Coordinator(processor)/Loan Closer
Cardinal Financial
07.2019 - 10.2023
- Spearheaded high levels of customer service communications by providing service to vendors, and internal and external customers leading to favorable outcomes.
- Collaborated with sales, transaction assistance, underwriting, closing, and management to ensure assigned loans were being processed on time within compliance with corporate policies, agency, and all state and federal laws leading to higher productivity and loan closings before rate lock expiration dates to save money.
- Delivered documents quickly and accurately to ensure audit procedures were followed which led to higher audit scores and fewer deficiencies.
- Analyzed borrower loan documents while corresponding to underwriting requirements and correctly inputting data into the system to ensure a faster and smoother process.
- Increased customer satisfaction scores by initiating daily, weekly, and monthly internal specified requirements surrounding successful new file welcome contacts, status updates, closings, and fundings.
- Handles challenging scenarios or loan conditions by finding creative and acceptable solutions for restructuring loans while also being able to communicate underwriting conditions to external and internal customers.
- Coordinated the scheduling of loan closings with borrowers and title companies to ensure a smooth closing.
- Delivered the completed finalized closing documents to the title company and borrower before closing to ensure an accurate and smooth closing process.
Mortgage loan Processor
PHH Mortgage
05.2016 - 07.2019
- Spearheaded high levels of customer service communications by providing service to vendors, and internal and external customers leading to favorable outcomes.
- Handled loan submission packages for underwriter review.
- Collaborated with borrowers to collect all required documents to fulfill the underwriter's conditions.
- Established exceptional written and verbal communication skills to professionally communicate with external and internal customers to make sure the process was smooth and fast for loan approval.
- Coordinated closing appointments between customers and title companies.
SR. Account Manager (Processor)
Loan Depot
01.2015 - 04.2016
- Conveyed with external and internal customers to a loan from origination to funding.
- Achieved working knowledge of industry, investor, and regulatory requirements to make sure it falls within compliance.
- Coordinated borrower closing appointments and provided loan documents to closing agent as well as facilitating changes to final required documents for wire disbursement.
- Established exceptional written and verbal communication skills to professionally communicate with external and internal customers to make sure the process was smooth and fast for loan approval.
- Established organizational skills to manage a pipeline of various products while meeting product-specific turn-time requirements.
Sr Loan Processor
Nationstar Mortgage
05.2008 - 01.2015
- Analyzed loan documents, calculated income, reviewed assets, and analyzed liabilities to clear conditions per delegated authority.
- Spearheaded a high level of customer service by being proactive in communicating with external and internal customers.
- Expanded efforts to continually improve customer service for external and internal customers.
- Handled the HMDA worksheet, along with ensuring accurate, complete, and timely data entry in the processing system to make sure the automated underwriting decision was completed.
- Volunteered to assist in training new hires.
- Executed the processing of conventional, FHA, VA, and USDA loans. Took an active role as an escalation point to solve issues between loan originators and other departments on complex loans.
Education
Bachelor of Science (B.S.) - Business Administration-Finance
Northwestern State University of Louisiana
Natchitoches, LA, US05-2008
Skills
- Critical thinking,
- time management,
- data entry,
- Microsoft Office,
- Teamwork and collaboration,
- Desktop underwriter,
- Risk management
- Customer service-focused
- Loan closing
- Mortgage loan software
- Attention to detail
- Deadline management
Timeline
Loan Processor II
Finance of America Reverse LLC
12.2024 - Current
Mortgage Loan Processor
Mutual Of Omaha
04.2024 - 11.2024
Escrow Coordinator
Allied Solutions
01.2024 - 04.2024
Transaction Coordinator(processor)/Loan Closer
Cardinal Financial
07.2019 - 10.2023
Mortgage loan Processor
PHH Mortgage
05.2016 - 07.2019
SR. Account Manager (Processor)
Loan Depot
01.2015 - 04.2016
Sr Loan Processor
Nationstar Mortgage
05.2008 - 01.2015
Bachelor of Science (B.S.) - Business Administration-Finance
Northwestern State University of Louisiana