Tina Nguyen

Collaborated with different departments to better understand their process and procedures. Ensured accuracy to mitigate risks and increase efficiency.

Compliance:

• Developed and maintained operational procedures for staff to follow.
• Monitored daily operations, identified areas of improvement, and implemented corrective action plans.
• Conducted regular reviews of operational systems and procedures to ensure compliance with company policies.
• Collaborated with cross-functional teams to identify opportunities for process optimization.
• Acted as a liaison between management and operations personnel by providing updates on current projects and initiatives.
• Processed requests to adverse a file when applicable.
• Ensured all regulation and HMDA data are met.

Disclosure Desk:

• Monitored re-disclosures queue to ensure valid change of circumstances are disclosed in a timely manner.
• Reviewed for re-disclosure queue to ensure valid increase in fees are disclosed within the 3 day turn time.
• Trained new disclosure desk associates on the process and procedures of re-disclosing files.
• Assisted loan officers with technical issues/questions relating to Encompass 360 and loan files.

Help Desk:

• Collaborated with the technology team in launching a virtual assistant called N.O.R.A. to formulate FAQ’s into the system. Performed test runs to ensure efficiency and responses.
• Utilized Capacity ticketing system to respond to inquires relating to Encompass 360, loan products, or system issues.

Gathered and analyzed all funding related documentation provided. Managed the completion of all funding documentation packages to ensure compliance with company guidelines and processing the payment of the funding to third parties.

• Collaborated with business units to ensure that all discrepancies in funding documentation and/or method of payment are resolved in a timely and orderly manner.
• Coordinated with internal stakeholders such as finance team members, and legal department personnel during due diligence process.
• Verified the accuracy of the funding information and general ledger account coding entered in CRM, Great Plains Dynamics, and Salesforce prior to process funding payments to third parties.
• Manually entered funding information and general ledger account codes in Great Plains Dynamics based on the funding documentation provided by the business units.
• Processed checks, money grams, wires(EFT) based on business needs.
• Manually voided checks/wire(EFT) returns when applicable.
• Ran end of day reports to verify totals of daily fundings.

Supported the commercial loan documentation department with preparing, maintaining, and funding loans. Extensive filing maintenance/imaging in legal documentation, insurance, UCCs searches, and motor vehicle titles.

• Interfaced with customers, sales team, and credit department to ensure accurate and timely documentation preparation.
• Prepared loan documents, filed UCCs, and ordered necessary UCC searches as requested by the credit department.
• Maintained Accounting/Documentation Worksheets and oversaw transactions through the funding process, including disbursement and notification of funding to sales team.
• Reviewed and ensured lien perfection through PMSI, UCC searches, and lien recordation on titles for motor vehicles.
• Tracked outstanding follow-up items through completion with the use of Follow-Up Management System.
• Assisted with maintaining physical insurance files, imaging system, and updating LeasePlus system.

Gathered and analyzed data for loan documentation related to reference source data materials to facilitate accurate verification, prepared pertinent information, and enabled effective decision making for diverse legal proceedings using Black Knight (MSP), PACER and AACER.

• Performed online research to retrieve and evaluate supplemental information for assessments as well as ad-hoc and complex correspondence needed for review process.
• Completed complex manual mortgage calculations to validate principal, interest, and escrow accounts.
• Performed in-depth audit and analysis of legal documents (summons, subpoenas, liens, bankruptcies, mortgages, deeds, pre/post-petition payment history) to define specific issues and determine appropriate course of action.
• Successfully managed high-value loan pipelines, building relations with internal and external attorneys or investors as needed to manage loan life cycles.
• Established and maintained strict compliance with company policies and procedures as well as expectations for quality and performance standards.
• Led new hire training for compliance with guidelines and procedures for execution of loan files in bankruptcy.

Completed all aspects of loan file set-up including management of escrow and title fee information, verification of loan structure, and qualification per regulatory and company guidelines. Served new and current mortgage loans, oversaw loan files, and executed credit analysis to determine pre-approval status of borrowers based on credit history.

• Reviewed loan applications to ensure all necessary documents were included and verified accuracy of information.
• Prepared loan files for processing by verifying income, credit history and employment status.
• Conducted research on borrower's credit history using automated systems.
• Analyzed customer financial data to determine eligibility for loans according to federal guidelines.
• Processed loan requests in accordance with established policies and procedures.
• Ensured compliance with all federal regulations and standards, including FDPA, SCRA, RESPA, TILA, and Fair Lending, through quality control and review throughout initial loan processes.
• Maintained records of loan transactions throughout the life cycle of the loan process.

Assisted non-profit group in reporting and data entry.

• Recorded all employees’ activities into an oracle data base for continuation of funding by local charities and state commissioners.
• Pulled records to compile for end of month reporting.
• Assisted in monthly announcements mailing about the organization to inform families in need of mental health assistance.

Processed all lockbox payments and ran reporting to ensure accuracy.

• Performed batching and sorting of client payments.
• Processed all Lockbox client deposits in an accurate and timely manner.
• Ensured all quality control measures, expectations and deadlines were met.

Ensured all posted payments and daily reporting are balance for pathology billing.

• Posted payments to patients’ accounts, balanced payment batches, inputted denial codes, and sent denials to correct insurance companies on Centricity software.
• Balanced and reviewed excel client deposit spreadsheets monthly for accuracy.
• Developed reports each day for balancing purposes.