Tonya Ramey
Cincinnati,OH
Summary
Mortgage Loan Professional, Closer, Mobile Notary Public with 25 years of combined Mortgage (residential and commercial) and Insurance (personal and commercial lines) Industry experience. Excellent interpersonal and observational skills, focused approach and analytical nature. Seeking challenging new (entry or skill level appropriate) Underwriting opportunity in Mortgage Banking or Insurance Industry or related field. Broad background in loan and insurance application/credit history/claims analysis and review, risk analysis, pricing, sales, marketing, studying and understanding guidelines and processes, fact finding and problem solving. High integrity, coachable! I am eager for a new opportunity with a growing organization where I can best utilize, apply and expand my current knowledge, experience level and becoming a valuable team member. Thank You in advance for your consideration!
Overview
31
31
years of professional experience
4
4
years of post-secondary education
Work History
Owner/Closing Agent
Closer
Mortgage Loan Officer
Account Executive
Mobile Notary/Certified Loan Signing Agent
Ramey Ink
Cincinnati, Ohio
03.2010 - Current
- Extensive knowledge in Residential and Commercial Mortgage closing verbiage and documents for Conventional Purchase/Refinance, VA, FHA, Heloc, Loan Modifications, Reverse, CASH, Construction and Commercial loan transactions.
- Reliable, Punctual, Thorough, Accurate.
- Maintain records of all client interactions and transactions.
- Ensure compliance with state laws governing the practice of mobile notaries.
- Provide guidance on the proper completion of documents requiring notarial services.
- Confirm that all parties involved had a clear understanding of their obligations concerning the document or transaction being executed.
- Verify identification of signee by looking through identification documents, licenses and passports.
- Administer oaths and affirmations on legal documents to affirm clients' honor and accountability.
- Review loan documents for completeness and compliance with state and federal regulations.
- Liaise between borrowers, loan officers and escrow officers to facilitate smooth and efficient loan closing process.
- Contract with various agencies to complete personal and commercial loan closing packages.
Mortgage Loan Closer
Commitment Title Agency
Florence, KY
11.2008 - 11.2009
Licensed Mortgage Loan Officer
Coldstream Financial Services
Cincinnati, OH
02.2008 - 04.2008
- Identifying qualifying homeowners, Provide credit analysis and presented borrowers with options to help them meet their financial goals
- Assisted with entire loan process serving as the borrowers point of contact from loan origination to loan closing.
- Fielded customer complaints and provided solutions.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Checked loan documents for accuracy prior to closing.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Advertising Account Executive
Clear Channel Communications
Cincinnati, OH
04.2007 - 10.2007
- Identified new opportunities for growth in existing markets through competitive analysis.
- Planned events such as trade shows or promotional activities for clients.
- Actively participated in brainstorming sessions to create innovative ideas and solutions.
- Presented engaging media packages and advertising options to prospects.
- Managed and retained existing client accounts.
- Upsold advertising packages and options to customers by making outbound sales calls.
- Used persuasive techniques to overcome objections and close new sales opportunities.
National Wholesale Account Executive
Accredited Home Lenders
12.2004 - 04.2007
- Developed and implemented strategies to increase sales volume in existing accounts.
- Analyzed financial information to determine the best loan product for customers.
- Reviewed and analyzed Loan applications/Credit Reports, generated conditional pre-qualifications/pre-approvals for borrowers
- Negotiated favorable terms for borrowers when applicable.
- Researched new mortgage products to offer clients more options.
- Reviewed documents including credit reports, appraisals, income statements, tax returns., prior to submission of application package.
- Followed up with applicants throughout the loan process from origination through closing.
- Assisted Loan Officers in resolving any issues that may arise during the loan process.
- Oversaw loan process from origination through closing to check that every client received exemplary service.
Mortgage Account Executive
Centex Home Equity
Cincinnati, OH
12.2002 - 07.2004
- Developed and implemented strategies to increase sales volume in existing accounts.
- Analyzed financial information to determine the best loan product for customers.
- Reviewed and analyzed Loan applications/Credit Reports, generated conditional pre-qualifications/pre-approvals for borrowers
- Negotiated favorable terms for borrowers when applicable.
- Researched new mortgage products to offer clients more options.
- Reviewed documents including credit reports, appraisals, income statements, tax returns., prior to submission of application package.
- Followed up with applicants throughout the loan process from origination through closing.
- Assisted Loan Officers in resolving any issues that may arise during the loan process.
- Oversaw loan process from origination through closing to check that every client received exemplary service.
Independent Insurance Agent
Ramey Insurance Agency
Loveland, Ohio
06.1992 - 12.2002
- Prospected new property and casualty insurance clients as a licensed Independent Insurance Agent, represented many reputable Property and Casualty Insurance Companies, built and successfully maintained client relationships.
- Conducted research to identify competitive rates and benefits offered by other providers.
- Educated customers on the importance of maintaining adequate insurance coverage.
- Ensured compliance with applicable laws, regulations, and company policies while selling insurance products.
- Participated in continuing education courses to stay current on industry trends and changes in regulations.
- Prepared documents such as applications, endorsements, renewals, cancellations, or other forms required by law or company procedures.
- Assessed customer risk levels and recommended appropriate coverage options.
- Gathered detailed information from customers prior to offering quotes or making recommendations.
- Pursued new clients through various marketing strategies to grow existing portfolio of policyholders.
- Received underwriting approvals after accurately completing applications for insurance coverage.
Education
Some College (No Degree) - Business Economics
University of Cincinnati
Cincinnati, OH 08.1992 - 03.1996
Skills
- Residential and Commercial Mortgages
- Personal and Commercial Lines Insurance
- Identifying Risk, Risk Management
- Mortgage Lending, Servicing
- Wholesale Lending
- Business Development
- Account Management
- Analytical Skills
- Contract Negotiation
- Communication
- Microsoft Outlook/Excel
- Notary Public
- Sales and Marketing
- Closings
- Credit Analysis
- Loan Origination
- Escrow
- Foreclosures
- Title Insurance
- Fraud Understanding
- Strong Problem Solver
Timeline
Mobile Notary/Certified Loan Signing Agent
Ramey Ink
03.2010 - Current
Mortgage Loan Closer
Commitment Title Agency
11.2008 - 11.2009
Licensed Mortgage Loan Officer
Coldstream Financial Services
02.2008 - 04.2008
Advertising Account Executive
Clear Channel Communications
04.2007 - 10.2007
National Wholesale Account Executive
Accredited Home Lenders
12.2004 - 04.2007
Mortgage Account Executive
Centex Home Equity
12.2002 - 07.2004
Some College (No Degree) - Business Economics
University of Cincinnati
08.1992 - 03.1996
Independent Insurance Agent
Ramey Insurance Agency
06.1992 - 12.2002
Owner/Closing Agent
Closer
Mortgage Loan Officer
Account Executive
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