Tina Olive
Cape Coral,FL
Summary
With a proven track record over a 37 year mortgage lending career., I excel in Operations management, origination, processing, underwriting and regulatory compliance, blending analytical prowess with a positive, adaptable attitude. My expertise in Encompass, DU, LP and GUS and leadership in training operations staff and FHA DE certified underwriters over the years, along with compliance adherence and TEAMWORK underscore my ability to enhance operational efficiency and foster team growth.
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive and positive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
28
28
years of professional experience
Work History
Loan Officer
Highlands Residential Mortgage, Ltd.
03.2016 - Current
- Maintained strict confidentiality of bank records and client information.
- Assists customers in understanding loan terms and conditions to make informed decisions.
- Developed strong relationships with customers through high levels of customer service.
- Developed and maintained relationships with customers, realtors, and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Adhere to compliance guidelines always
- Establish working relationships with my peers with always a "can-do" attitude and TEAMWORK
Mortgage Broker/Loan Processor
Royal Palm Mortgage, Inc. (Mortgage Broker Office)
11.2012 - 03.2016
- Assessed clients' financial data to determine loan suitability.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Mentored other mortgage brokers in methods to help each land new clientele.
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Provided quick turnaround times to maintain fast-past schedule.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- We brokered under Security National Mortgage branding until the entire team joined Highlands Residential Mortgage in 3/2016
Senior Loan Processor/Loan Originator
Primary Residential Mortgage, Inc.
07.2010 - 11.2012
- Handled any conditions sent from underwriting departments.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
Senior Loan Processor/Loan Originator
Florida Sunshine Mortgage, Inc.
04.2002 - 02.2009
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
Regional Operations Manager/FHA DE UW
Countrywide Home Loans, Inc.
01.1997 - 10.2002
- Direct manager for hiring of all operations and FHA DE underwriters in 12 branches that I managed from New Port Richey, Florida to Naples, Florida.
- Spearheaded operational procedures and processes to improve efficiency and optimize operations.
- Enhanced regional branch performance by implementing proven management processes to increase revenue.
- Traveled to over 12 locations per month to manage each branch and perform reviews of individual managers and employees.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Assisted in recruiting, hiring and training of team members.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
Education
High School Diploma -
Extensive Continuing Education Every Year
Cape Coral, FLSkills
- Former FHA DE #W595
- Former VA LAPP Underwriter
- Former USDA underwriter
- Underwriter enhanced Training
- Underwriting to Excellent Program
- Analyzing Tax Returns
- Loan Documentation "Perfecting Security Instruments"
- Former Regional Operations Manager who both hired and trained ALL Operations and FHA DE certified underwriters in 12 branches I managed from New Port Richey, Florida to Naples, Florida
- Florida Licensed Mortgage Broker since 1994
- Active NMLS #233994 Since 2010
- Positive "can-do" attitude and adaptable to change
- Calm demeanor and problem solver
- Knowledge of Regs, Respa, ECOA, TRID and QM
- Multitasker
- Very proficient with Encompass, DU, LPA and GUS
Timeline
Loan Officer
Highlands Residential Mortgage, Ltd.
03.2016 - Current
Mortgage Broker/Loan Processor
Royal Palm Mortgage, Inc. (Mortgage Broker Office)
11.2012 - 03.2016
Senior Loan Processor/Loan Originator
Primary Residential Mortgage, Inc.
07.2010 - 11.2012
Senior Loan Processor/Loan Originator
Florida Sunshine Mortgage, Inc.
04.2002 - 02.2009
Regional Operations Manager/FHA DE UW
Countrywide Home Loans, Inc.
01.1997 - 10.2002
High School Diploma -
Extensive Continuing Education Every Year
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