TONITA LEE
Atlanta,Georgia
Summary
Results-oriented professional with over 5 + years of extensive knowledge of Loan Processing, Loan Servicing, Loss Mitigations, Foreclosures, Default and Compliance Analysis. 2+ years of Auto Loan Processing. Proven record of success in quality-driven support roles. Business-conscious individual offering over 8 years working as Tax Professional in Accounting sector. Focused, enthusiastic and offering highly effective skills in client rapport. Well-versed in performing effectively across diverse industries.
Overview
10
10
years of professional experience
Work History
OWNER/OPERATOR
LEE TOTAL TAX
Atlanta, GA
12.2013 - Current
- Determine clients' eligibility for tax credits, abatements or deductions through careful research and oversight.
- Strong knowledge of tax accounting practices (reconciliations and journal entries), as well as tax laws and regulations.
- Interpreting and providing guidance on transaction and tax laws and regulations as it relates to customers claiming exempt sales & determining proper sales tax treatment on invoicing.
- Consults with individuals and organizations to ensure they comply with tax laws, Advises and guides clients on tax-related matters such as income, sales and property taxes.
- Strong knowledge of tax accounting practices (reconciliations and journal entries), as well as tax laws and regulations.
- Analyzes information and assess liabilities and deductions according to relevant tax codes.
- Conducts financial, asset and liability analysis to reduce clients' tax liabilities.
AUTO LOAN PROCESSOR-REMOTE
AUTOPAY
Denver, CO
03.2022 - 01.2023
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Created and completed loan submission packages.
- Calculated income, assets and liabilities to meet lender requirements.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Collaborated with company teams to expedite loan approval processes.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
MORTGAGE LOAN PROCESSOR ASSISTANT
AEROTEK /MARKETPLACE MORTGAGE
Atlanta, GA
05.2021 - 07.2021
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Checked approvals against established bank and government lending standards.
- Examined and verified information in loan application and closing documents.
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
SENIOR MORTGAGE LOAN PROCESSOR
AMERISAVE MORTGAGE CORPORATION
Atlanta, GA
10.2020 - 03.2021
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Reviewed loan application package for completeness and accuracy, reconciled application against system input
- Responsible for gathering required documentation from customer and third parties in support of the loan approval decision
- Responsible for prompt, professional communication to customers, loan officers & underwriters
- Responsible for calculating and analyzing income, assets and liabilities
ANALYST/UNDERWRITER
AMERICAN MORTGAGE CONSULTANTS
Atlanta, GA
04.2017 - 12.2018
- Submitted completed files to underwriting for origination of loans for mortgage submissions to assure loans meet program/product specifications
- Analyzed credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents
- Contacted borrowers or mortgage brokers to collect required documentation and be a liaison between origination staff, underwriters and borrowers
- Interacted with mortgage professionals to obtain information from the borrowers or to seek clarification about documents in the loan files.
MORTGAGE LOAN PROCESSOR
SUNTRUST
Atlanta, GA
06.2016 - 01.2017
- Developed and maintained a strong understanding of Mortgage Lending products, policies, processes and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio products, as required
- Obtained required credit and compliance documentation for assigned applications from internal clients, external clients, vendors, and third-party sources
- Submitted mortgage loans to Underwriting ensuring Mortgage and investor policies and procedures are met which includes calculating all forms of income (e.g., wage earner, retirement, self-employed), reviewing real estate appraisals, calculating appropriate homeowner’s insurance coverage, calculating specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets, and other tasks as required
- Knowledge of regulatory changes, external and internal compliance requirements, and investor guidelines to insure loan salability.
LOSS MITIGATION ANALYST
GENERATION MORTGAGE
Atlanta, GA
03.2015 - 04.2016
- Monitored loss mitigation workout performance and loss severity trends
- Maintained delinquency and loss mitigation reporting including trend analysis and assessment
- Analyzed loan workout applications to ensure it conforms to the credit and property guidelines
- Contacted borrowers to assess reasons for default, individual intents and options for resolving issues
- Identified profitable opportunities based upon individual account criteria and underwriting standards
- Determined feasibility of foreclosure by reviewing property assessments
- Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases.
Education
Associate of Applied Science - ACCOUNTING
CHATTAHOOCHEE TECHNICAL COLLEGE
06.2012
Skills
- 2 Year Accounting Degree/Tax Preparer/Sales & Tax Use
- 3 years of Mortgage processing experience
- ENCOMPASS-CCH-ORACLE-LOS-CALYX-LOAN ASSISTANT-CRM-PAM
- Excellent written and verbal communication skills
- Highly adaptable team player
- Extremely organized, Strong attention to detail
- Strategic planning
- Conflict resolution
- Profit and loss analysis
- Cash Flow and Financial Analysis
- Mortgage Banking and Analysis
- Processing FHA, VA and Conventional loans
Timeline
AUTO LOAN PROCESSOR-REMOTE
AUTOPAY
03.2022 - 01.2023
MORTGAGE LOAN PROCESSOR ASSISTANT
AEROTEK /MARKETPLACE MORTGAGE
05.2021 - 07.2021
SENIOR MORTGAGE LOAN PROCESSOR
AMERISAVE MORTGAGE CORPORATION
10.2020 - 03.2021
ANALYST/UNDERWRITER
AMERICAN MORTGAGE CONSULTANTS
04.2017 - 12.2018
MORTGAGE LOAN PROCESSOR
SUNTRUST
06.2016 - 01.2017
LOSS MITIGATION ANALYST
GENERATION MORTGAGE
03.2015 - 04.2016
OWNER/OPERATOR
LEE TOTAL TAX
12.2013 - Current
Associate of Applied Science - ACCOUNTING
CHATTAHOOCHEE TECHNICAL COLLEGE
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