Tina Marie Barnhart

• Greeted customers entering store and responded promptly to customer needs.
• Welcomed customers and helped determine their needs.
• Worked flexible schedule and extra shifts to meet business needs.
• Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.

• Worked effectively in fast-paced environments.
• Proven ability to learn quickly and adapt to new situations.
• Excellent communication skills, both verbal and written.
• Proved successful working within tight deadlines and a fast-paced environment.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Managed time efficiently in order to complete all tasks within deadlines.
• Passionate about learning and committed to continual improvement.

• Review and verify loan applications and supporting documentation
• Review loan documentation and vendor reports to identify signs of fraudulent activity
• Assess risk by reviewing credit, collateral, etc
• Make loan eligibility decisions and approving or rejecting applications
• Compliance
• Make sound decisions regarding FNMA and FHLMC loans

• Developing, recommending and implementing HR policies and procedures ensuring all policies and procedures are in compliance with federal and state laws
• Helping with the implementation of policies and procedures
• Prepares and maintains the employee handbook and the policies and procedures manual
• Assisting with compensation review for Numeric Investors, including co-ordination with external benchmarking company
• Research and track all legal payroll and benefits regulations, ensuring federal and state compliance
• Ensure accurate and timely processing of weekly payroll, including benefits and taxes compliant with Federal and State wage and hour laws
• Critically review and analyze current payroll practices and procedures in order to recommend and implement positive changes and solutions
• Work with HR to ensure new hires, terminations and related employee changes paperwork (FLSA status, compensation, FMLA administration, part-and full-time status) and action items are processed timely and accurately
• Answering employee requests, concerns and questions about their paychecks
• Entering Wage Garnishments, Employee Deductions and Direct deposit requests

• Authorizing and underwriting Conventional, USDA, and FHA loans
• Analyzing loan risk by researching applicant’s financial history and requesting additional information as necessary
• Preparing reports on assessment findings
• Making loan eligibility decisions and approving or rejecting applications
• Reviewing and specifying loan conditions as necessary
• Ensuring all information is accurate and complies with regulatory standards
• Ensuring compliance with company policies and guidelines
• Documenting and effectively communicating reasons for the approval/rejection of loans
• Reviewing all mortgage applications and supporting documents to ensure all necessary information is included for approval

• Submitted completed loan applications, including recommendations for underwriting approval or denial for Conventional, USDA, FHA, & VA Loans
• Executed loan processes, including validating AUS, ordering credit reports, appraisals and preliminary title reports
• Recognized by management for providing exceptional
• Established strong relationships with borrowers, lenders, title companies, underwriters, closers, and funders for smooth loan transactions.
• Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in files
• Reviewed tax returns and financials for customers to determine accurate income
• Leveraged industry knowledge to provide expert guidance on loan products best suited for borrower needs, enhancing customer satisfaction levels
• Complied with regulatory guidelines and requirements.
• Facilitated customer satisfaction through in person, email or telephone correspondence’s by executing personal communication and frequent follow-ups
• Reviewed credit applications for risk factors and credit worthiness ensuring a less than 2 % denial rate and withdrawal rate

• Establishing and carrying out organizational or departmental procedures and goals
• Negotiating and approving agreements and contracts
• Identifying areas to cut costs while improving programs, performance and policies

• Handled Bookkeeping and Payroll
• Maintained professional, organized, and safe environment for employees and patrons.
• Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Maximized performance by monitoring daily activities and mentoring team members.
• Controlled costs to keep business operating within budget and increase profits.
• Managed budgets effectively, ensuring optimal financial performance while investing in necessary resources for business growth.

• Analyzed applicants' financial status, credit and property to make Underwriting decisions on Conventional, USDA, and Non QM loans
• Implemented training and procedures for all employees from various departments: Processing, Closing, Funding, and Compliance
• Worked with underwriters to underwrite VA and FHA loans
• Compiled operational and risk reports detailing financial metrics
• Worked with regulatory representatives to complete accurate filings and maintain compliance
• Opened and maintained 20million dollar warehouse line
• Handled all Commercial Lending loans from Origination to Close
• Led hiring, onboarding and training of new hires to fulfill company objectives
• Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service leading to better customer rapport and loyalty
• Spearheaded organizational restructuring initiatives, streamlining operations and reducing overhead costs across all departments
• Ensured regulatory compliance at all times by implementing robust internal controls systems coupled with proactive monitoring mechanisms
• Handled all Payroll and Bookkeeping functions

Concentration in Human Resources Management and Finance