Summary
Overview
Work History
Education
Skills
Timeline
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Tonia Rogers

Cranford,New Jersey

Summary

Highly resourceful, innovative, and focused mortgage professional seeking a Loan Review position in the mortgage and finance industry intending to build long-lasting relationships with clients while seeking various growth and profitable avenues for the organization. Generate 10 initial mortgage loan applications daily and collaborate a 10-15 loan schedule for closing.

Overview

18
18
years of professional experience

Work History

Administrative Assistant

Atria Senior Living
05.2023 - 09.2023
  • Coordinated accounts receivable functions and strengthened resident data systems and files, ancillary charge and monthly billing generation, aging report review, and supportive collection initiatives by eighty-three percent
  • Restructured vendor files through accounts payable including invoice coding and data entry
  • Streamlined human resource operations by thirty percent increasing new hire orientation, health enrollment and plans, updating employee files with controlled access, and tracking of FMLA, and Worker's Compensation
  • Facilitated month-end closures collecting financial end accruals from department representatives, and account investigation
  • Overhauled equipment and supply chain techniques procuring community office supplies

Loan Review Specialist

Homepoint Mortgage
01.2019 - 01.2022
  • Ensured audit completion with eighty-one percent accuracy reporting quality risk findings in software applications on loan documents
  • Amplified the quality and completeness of the credit analysis, effectiveness of the bank's risk management practices and adherence to all policies and procedures
  • Expedited loan examinations submitted by underwriter's pipeline averaging 40 to 50 files per month
  • Evaluated debt ratios and loan to value ratios, credit scores and property appraisals, ensuring the qualification and justification for all loans
  • Facilitated audits in accordance with industry guidelines
  • Maximized excellent communication and critical thinking skills, financial analysis, and technical skills developing a sound foundation of credit risk assessment
  • Spearheaded Supporting Activities Teams increasing report documentation for internal and external auditors and digitized special audits

Funding Review Coordinator

Investors Bank
01.2016 - 01.2019
  • Streamlined Due Diligence review of correspondent mortgage loans for accuracy and completeness
  • Verified TRID, HMDA and Reg Z to ensure auditing requirements are met according to Bank guidelines
  • Amplified outflow with correspondent lenders, respond to phone or email inquiries to address questions and concerns on suspense items for missing and incorrect documents
  • Propelled mortgage loans for funding, create wires and send purchase advice to correspondent once file is funded MIN numbers verification using MERS online system and checklist review
  • Maximized Loan Origination expediting files for Loan Servicing
  • Increased process reports for reviewed and funded loans by seventy-one percent

Loan Review Analyst

Federal Home Loan Bank of New York
01.2006 - 01.2013
  • Increased Credit/Collateral review of residential 1-4 family mortgages, cooperative loans, home equity and mixed-use residential mortgages
  • Consolidated and audited on-site reviews and due diligence policies
  • Analyzed member lending programs, quality control policies, appraisal processes, underwriting standards, and servicing policies
  • Escalated summary reports of on-site reviews and follow-up requests to unidentified issues
  • Delegated management responsibilities in meetings, presented reports and recommendations to Federal Home Loan Bank's committee for approval
  • Evaluated banking institutions underwriting and credit administration practices, procedures, processes, and collateral valuation
  • Provided accurate and timely credit and financial analysis of cash flow, balance sheet analysis, profitability, liquidity, and solvency analysis
  • Reviewed compliance with legal lending limits and identify concentrations of credit

Education

Clifford Scott
East Orange, NJ

Skills

  • Accounts Payable and Receivable
  • Database Technology
  • Loan Review and Underwriting
  • Commercial Loans
  • Credit Risk and Analysis
  • Federal Housing Administration (FHA) Financial
  • Risk Management and Analysis
  • Auditing
  • Loan Servicing and Origination
  • Mortgage Lending and Quality Control
  • Sales Pipeline
  • Problem Solving Skills
  • Loan Submission Funding
  • Organizational Skills Loan Funding

Timeline

Administrative Assistant

Atria Senior Living
05.2023 - 09.2023

Loan Review Specialist

Homepoint Mortgage
01.2019 - 01.2022

Funding Review Coordinator

Investors Bank
01.2016 - 01.2019

Loan Review Analyst

Federal Home Loan Bank of New York
01.2006 - 01.2013

Clifford Scott

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Tonia Rogers