Tom-Luckie Gwagee

• Markets and promotes Motto Mortgage financial products
• Self-Generate new leads and maintains relationships with realtors, bank officers, builders, friends and family and new home sales representatives to develop and retain existing business; and by visiting subdivisions as required
• Collects and analyzes information regarding customer’s income, assets, investments, or debts
• Evaluates loan products and services and determines which financial products best meet the customer’s needs and financial circumstances
• Advises the customer regarding the advantages and disadvantages of different loan products
• Oversees the loan process by monitoring loan status and ensures conformity with terms
• Negotiates terms and conditions of loans with customers
• Communicates loan status to all interested parties and obtains loan documentation
• Stays abreast of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government insured mortgages.

• Determined appropriate budgets and oversaw expenses.
• Managed and oversaw project team and delegated tasks for timely execution.
• Took proactive approach to assessing and correcting problems at all stages.
• Directed projects effectively and coordinated with relevant stakeholders, both inside and outside the organization.
• Allocated tasks to the project management team and provided regular guidance aim at maintaining high team performance and productivity.
• Ensured the scope and schedule of projects are achievable within the given time and budget, and managed all project risks, contingency and mitigation plans.
• Undertake periodic reviews to make sure that projects are on track and developed positive relationships with associates and clients.
• Defined the structure of projects, its goals, and resource requirements, and updated project documentations on a consistent basis and conveyed them to management.
• Applied theoretical, managerial, and technical skills to fulfill identified objectives and deliverables, and implemented a solid project management strategy for task interdependency.
• Consulted issues associated with projects, with the project management team, clients, and other interested parties.

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
• Performed all processing, pre-underwriting, and pre-closing tasks required to proactively manage mortgage loan files from receipt in processing to final approval
• Processed VA, Conventional and FHA refinance and purchase loan applications
• Verified accuracy and adherence to investor guidelines of all documents required for a complete submission to Underwriting
• Handled any conditions sent from underwriting
• Responded timely to inquiries from loan participants, including third parties and Initiates follow- up phone calls and emails to obtain necessary loan documentation, title, HOI, credit and/or collateral information
• Reviewed Title, HOI and Assets documentations for approval
• Upheld complete confidentiality of all submitted information according to release guidelines
• Prepared file for final clear-to-close by coordinating with all parties and assists with post-closing follow-up, as applicable
• Maintained proactive review of pipeline and ensured rate locks do not expire
• Reviewed assets documentations statements and contacted institutions and customers to clarify details.

• Processed Mortgage Loan payments, adjustments, and reversals
• Researched and resolved account related issues and credit balances for all account types for all servicing systems and provided backup describing why mortgage refund is due
• Processed NSFs, Stop Payments, payoffs and escrow surplus and overpayments on mortgage accounts
• Created files and posted payments and reversals in Servicing Director
• Applied proper codes to invoices, files, and receipts to keep records organized and easily searchable.

• Reviewed/processed borrower's loan files
• Communicate with all parties to ensure all conditions and closing deadlines are met
• Reviewed/verified FHA, Conventional, USDA, VA information on loan application and closing documents
• Performed pre-funding and funding functions
• Addressed borrowers mortgage loan closing requirements and resolved deficiencies concerns
• Submitted completed loan files to final Underwriting
• Handled any conditions sent from underwriting department
• Maintained confidentiality of bank records and client information

• Kept projects on schedule by managing deadlines and adjusting workflows
• Supervised multiple projects from project start through delivery by prioritizing needs and delegating assignments
• Reported regularly to managers on project budget, progress and technical problems
• Gathered requirements for ongoing projects and organized details for management use
• Coordinated presentations for customers and project members to detail project scope, progress and results
• Arranged events by overseeing logistics, budgets, venue selection and activity planning
• Oversaw onboarding and mentorship, planned and executed meetings and developed project documentation
• Developed executive presentations and reports to facilitate project evaluation and process improvement
• Performed on-site field surveys and wrote technical narratives to document processes and design changes.

• Analyzed financial statements against forecasts to prepare high-level variance analysis
• Produced reports outlining financial data to assist management with making strategic plans and operational decisions
• Verified compliance of financial policies and accounting procedures against regulations
• Established and enforced controls on revenue and expenses to protect Organization assets
• Managed day-to-day operations within the finance department
• Protected company assets with strategic risk management approaches.