TONIA HARRIS
SICKLERVILLE,NJ
Summary
Experienced mortgage, banking and finance professional with demonstrated skills in leadership, training, and management. Maintaining high performance, and customer service. My goal is to become associated with a company where I can work creatively and excel individually as well as with a group.
Overview
13
13
years of professional experience
Work History
Mortgage SME
Planet Home Lending
12.2020 - Current
- Assist the Fulfillment VP and management team on daily lending operations, quality control findings and resolutions to determine accuracies and inaccuracies
- Support origination team with loan application processes, and routine operational duties related to residential, construction and commercial mortgage loans in compliance with in house policies, procedures and related laws and regulations
- Review, approve and implement policies and procedures and regularly updated company training material
- Facilitated training of vendors, new and current employees on any new and updated company procedures, policies and guidelines to ensure compliance with applicable state and federal laws including but not limited to CFPB, Fair Lending Practices and UDAAP, OFAC Regulations applicable to lending, Fannie Mae, Freddie Mac, FHA/VA, BSA, TRID, TILA, HMDA, RESPA, ECOA etc.
Mortgage Compliance Officer
Santander Bank
01.2018 - 11.2020
- Corresponded with sales, legal, underwriting, processing and closing compliance and operations
- Internal auditing of Commercial, FHA, VA, and USDA Gov, Conventional loan products
- Review and cure of any TRID violations, closing and post-closing issues.
Sr. Mortgage Closer/Closing Lead
Columbia Bank/First Jersey Title
08.2017 - 01.2018
- Conducted closings of residential and commercial loans
- Ensured the accuracy and timelines of loan documents and cleared any title issues
- Prepared and reviewed closing disclosures for lender and borrower balanced figures, prepared closing ledgers and issued payments
- Assisted manager and team with any issues regarding production, the closing process and funding.
Closing Team Lead
JG Wentworth/Freedom Mortgage Corp
03.2015 - 08.2017
- Responsible for preparing all closing documents for refinance and purchase transactions in a timely manner to meet critical deadlines
- Reviewed and approved initial LE's/CD's, appraisals, title commitments, homeowner insurance policies, property inspections any debts to be paid at closing.
Closing Specialist
PHH Mortgage
10.2010 - 03.2015
- Communicate with closing agents or attorneys regarding closing Packages, closing issues, scheduling, title orders/issues, issues with respect to underwriting, investors and title companies
- Reviewed and approved Hud-1 Settlement Statements for accuracy, verify funding amount and wire instructions to initiate wire, issued funding authorization.
Education
Banking/Finance
Camden County College
12.2011
Business Administration
Pierce College
06.2002
Business Administration
Stony Brook University
04.1994
Skills
- Leadership
- Time Management
- Multi-Tasking
- Training
- Development of Policies and Procedures
- Vendor Management
- Loan Portfolio Management
- Auditing of Residential and Commercial Loans
- Teamwork and Collaboration
- Excellent Communication
Timeline
Mortgage SME
Planet Home Lending
12.2020 - Current
Mortgage Compliance Officer
Santander Bank
01.2018 - 11.2020
Sr. Mortgage Closer/Closing Lead
Columbia Bank/First Jersey Title
08.2017 - 01.2018
Closing Team Lead
JG Wentworth/Freedom Mortgage Corp
03.2015 - 08.2017
Closing Specialist
PHH Mortgage
10.2010 - 03.2015
Banking/Finance
Camden County College
Business Administration
Pierce College
Business Administration
Stony Brook University
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