Summary
Overview
Work History
Education
Skills
Certification
Work Availability
Work Preference
Quote
Interests
Timeline
SeniorSoftwareEngineer
Tiffany Rimmer

Tiffany Rimmer

Middleburg,USA

Summary

Knowledgeable in Loan Processing/Closing & Funding with solid background in investor services and history of providing exceptional client support. Proven track record of resolving complex inquiries and streamlining processes to enhance customer satisfaction. Demonstrated ability to manage client relationships and collaborate effectively with team members. Management skills with assisting management when out of office to assign work and hold meeting only as necessary for important updates.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Investor Services Representative I

SS&C Technologies Inc.
11.2022 - Current
  • Processing paperwork for Wealth Manager/Financial Planning Advisors to send DocuSign to the Investor Clients
  • Work on System Salesforce, Schwab and Fidelity regarding Trades Purchased
  • Prepare & process Trusts, Individual, UTMA, Joint Tenants, Rollover, Traditional, Inherited, and Roth Contributory IRA Accounts daily
  • I complete as much as 40 - 45 in my pipeline to clear wires going out and purchased by month-end
  • Worked with Zinnia under Global Atlantic for Forethought Life Insurance while receiving inbound calls from Annuitant Policy Holders/Agents to go over IRA Accounts specifically for (RMD) Required Minimum Distribution
  • Assist clients with their RMD forms to withdraw or cash surrender their funds
  • Exemplifies exceptional professionalism over the phone to manage accounts by presenting A+ quality service with 100% survey ratings
  • Work on Citrix, Hosted I, Five9 and AWD systems.
  • Processing RPOMAIL / CHECKS incoming to forwarding addresses

Senior Loan Processor

American Financing Corporation
03.2021 - 05.2022
  • Upload docs for review and pre-approval while using AUS system for LTV/DTI through Fannie Mae & Freddie Mac Engine
  • Calculating Paystubs or reviewing Self Employment docs from the Tax Returns to input into the system
  • Appraisal full review top to bottom for accuracy of all pages including Inspections, Flood Zone, Comps' for satisfactory Loan Amount
  • Completed spreadsheets for 3rd party orders prior to (ready clear to close)
  • Review Title Commitment & schedules for any liens, judgment's, and looking for any additional properties recorded on another mortgage to ensure the mortgage is in 1st lien position that must be satisfied prior to closing
  • Along with verifying vesting, lender/customer Information while confirming Fee Simple applied to Title Commitment
  • Reviewed the Tax Assessments and HOI on the Title
  • Ran Credit Report reviewing for any additional judgments, liens, debts, loans, forbearance's to be paid off at or prior to closing
  • After review - Move loan into Pre-Approval - Run DataVerify to check Fraud Guard and clear any alerts attached for Conditions to be cleared up
  • Knowledge w/the guidelines on Fannie/Freddie loans for Self-Employment to know what will qualify the borrower for Final Approval to get them into clear to close
  • Re-Run all findings again to ensure all still pass and match DTI with no changes
  • Prep for Final Approval

Processor, Sr.

American Pacific Mortgage
08.2020 - 03.2021
  • Initial Processing Review, obtain signed disclosures Order verifications for Title, HOI, Flood (as applicable), Property Tax pulled from County website
  • Complete (ICW's) Income Calculation Worksheet
  • Request Preliminary Conditions, Update 1003 per documentation, rerun AUS & Appraisal Ordering
  • Finish Submittal Milestone & send status email to LO; set follow-ups
  • Review loan approval & assign condition ownership; request conditions; set follow-ups
  • Request closing fees, evidence of insurance & obtain payoff prerequisite CD items
  • Ensure completion of Compliance Review (must be completed prior to Closing Disclosure Request)
  • LO to lock loan & communicate changes to Processor (must be completed prior to final Re-submittal)
  • Complete Re-disclosure Request
  • Validate final COE date & loan terms with LO
  • LO/LOA/Processor to confirm source of funds for closing
  • Attach documents to conditions Upload
  • Send with Closing Docs signature items & 3rd party invoices
  • Finish Re-Submittal milestone Send status email with PTF Reminder
  • LO/LOA/Processor to review CD/Closing Documents & coordinate signing appointment

Loan Processor, Retail, Streamline & Full Doc, Sr.

Carrington Mortgage Services, LLC
03.2020 - 08.2020
  • Encompass System receiving and documenting new conditions
  • Review all docs uploaded to file by Loan Officer Assistant prior to receiving and attaching UW Conditions for Docs
  • Gather information and documents for conditions along with attaching Title Work & Appraisal tasks prior to submission
  • A follow-up Email to buyer after call has been made for any necessary critical docs to report back to the Underwriter for review/re-review & if there are QC (Quality Control) fails to suffice final review
  • Once all critical documents are received, submit for Final to Underwriting
  • Understanding TRID Requirements to avoid Violation that Initial LE must be sent to the buyer within 3 business days {not including Saturday} of Application
  • The soonest Consummation can occur on a loan is on or after 7th business day {including Saturdays} after the initial LE sent by the LO and knowing for (COC) Change of Circumstance or Rate Lock, we must confirm revised LE sent within 3 business days of receipt of COC or Rate Lock
  • Disclose the CD 1 day {24-hours} after LE sent {including Saturday in the count on the calendar while excluding Federal Holidays}
  • Order & Clear Fraud Alert to end with Pass in Encompass
  • After Approval rerun Fraud Alert at CTC (Clear to Close) and complete loan preparedness for Closing and upload Processing CTC to RFD - Checklist confirming review of Payoff (as applicable), Title Review w/in 90-days of Funding Date & Coverage matches the Final Loan Amount, Lock Review for Funding and Expiration Date, HOI, Title, Flood (as applicable), Escrow Set-up (any priors due before 1st Pay Date - collect @ close), TRID Review for Cash to Close matched 1003, CD page 1 & 3
  • Clear all tasks - confirm scheduling with buyer and Settlement Agent/Closing Attorney and send to RFD (Ready for Docs)

Sr. Funder/Doc Specialist

Carrington Mortgage Services
09.2019 - 03.2020
  • Work Encompass System to complete loan documents to send and Order Wires
  • Close, Funding and Shipping packages
  • Work closely with LO, UW & LP to ensure all fees, key dates and conditions are accurate along with buyer signatures for eConsent is confirmed
  • Confirm if two buyers are on the loan, both have LE's sent in a timely manner to close and received at least 4 business days prior to Closing Date
  • Ensure initial CD and revised CDs received at least 3 business days prior to scheduled Closing Date
  • Checked Dry/Wet States to confirm funding dates for accuracy
  • Wet Settlement: Funds and loan conditions needed to be at the table at the time of closing
  • Dry Settlement: Funds are not required to be immediately available at closing
  • Verified dates of hazard & taxes for escrow accounts to be properly set-up as well as when to be paid on Purchase loans while confirming enough coverage for HOI policies

HL Ops-Closer

TIAA Bank
05.2017 - 04.2019
  • Call to Attorney's & Closing/Settlement Agents confirming the loan details
  • Work in the Encompass system to prepare the Final CD
  • Confirm Final Fees w/Agents
  • Prepare loan documents after Final Approval
  • Send closing documents to the Closing/Settlement Agencies
  • Closed and followed TRID guidelines in preparing Final CD for 7 days prior to closing date or if buyer E-Consent, acknowledge in three business days
  • Docs were pulled from the IDS system and uploaded to Encompass to send
  • Completion of all US Secret Service Loans

Mortgage Closer & Processor II

Navigator Lending Solutions
03.2016 - 05.2017
  • Closings & Processing for Correspondent Lenders (Land Home Mortgage)
  • Work on PC Lender’s and Doc Magic programs interfaced.
  • Closed and followed TRID guidelines in preparing Pre-CD and Final CD.
  • Close communication with customers and in detail - go over needs from Underwriter Conditions.
  • Work with Loan Originations to achieve excellent customer experience.
  • Assist Clerking with order outs for 3rdparty tasks.
    Prepare PRE-CD while checking order outs uploaded to LOS system, also Lock Confirmed.
  • Order Credit Supplements thru Sarma or Factual Data and retrieve Invoices.
  • Calculating income from received pay stubs to ensure accuracy of income data.
  • Resolved issues efficiently during the pre-closing stage, minimizing delays and keeping transactions on schedule.

Loan Processor

Finance of America Mortgage, LLC
11.2015 - 03.2016
  • Processed loan applications with LGI Homes-Florida, LLC; while inputting new apps into XDoc by pre-checking DTI ratios & pulling credit to upload AOS & Pre-qualification docs
  • Worked on Integra system and uploaded docs through XDoc
  • Complete ICW for UW and match up borrower(s) income to input
  • Obtain remaining docs from LO to ensure Fraud Guard can be run and cleared by the UW
  • Sent email requests to openers for new loan apps in ordering title work, VOE's, 4506-T through our 3rd party Credit Plus, appraisal report and FHA CONNECTION for Success return on validating borrower information
  • Processed by reviewing all incoming documents prior to initial UW submission
  • Searched for large deposits that would need explanations from bank statements
  • Assisted other processors with getting loan RESPA validated and closing issues
  • Went onto webinars for additional training within the company
  • Travel to different subdivisions meeting fellow colleagues working together with common goals

Education

Associate in Science (A.S.) - Criminal Justice

ITT TECHNICAL INSTITUTE
Jacksonville, FL
11.2008

BBA - Business Management

AIU (AMERICAN INTERCONTINENTAL UNIVERSITY)
Chandler, AZ
05-2027

Skills

  • Attention to detail
  • Time management
  • Adaptability and flexibility
  • Reliability
  • Investments
  • Technical aptitude
  • Data interpretation
  • Portfolio management

Certification

  • Yellow Belt
  • Mortgage Loan Processing

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference

Work Type

Full Time

Work Location

Remote

Important To Me

Career advancementWork-life balanceCompany CultureFlexible work hoursPaid time offPersonal development programsPaid sick leave401k matchStock Options / Equity / Profit SharingWork from home optionHealthcare benefitsTeam Building / Company Retreats4-day work week

Quote

Every problem is a gift—without problems we would not grow.
Tony Robbins

Interests

TRAVEL, KARAOKE, FAMILY/FRIENDS GAME NIGHT, LEARNING, GROWING IN KNOWLEDGE, FAITH, AND READING ON THE BEACH OR POOL SIDE

Timeline

Investor Services Representative I

SS&C Technologies Inc.
11.2022 - Current

Senior Loan Processor

American Financing Corporation
03.2021 - 05.2022

Processor, Sr.

American Pacific Mortgage
08.2020 - 03.2021

Loan Processor, Retail, Streamline & Full Doc, Sr.

Carrington Mortgage Services, LLC
03.2020 - 08.2020

Sr. Funder/Doc Specialist

Carrington Mortgage Services
09.2019 - 03.2020

HL Ops-Closer

TIAA Bank
05.2017 - 04.2019

Mortgage Closer & Processor II

Navigator Lending Solutions
03.2016 - 05.2017

Loan Processor

Finance of America Mortgage, LLC
11.2015 - 03.2016

Associate in Science (A.S.) - Criminal Justice

ITT TECHNICAL INSTITUTE

BBA - Business Management

AIU (AMERICAN INTERCONTINENTAL UNIVERSITY)

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Tiffany Rimmer