Torshanna Noles
State Farm
Red Oak,TX
16
years of professional experience
Results-driven Mortgage Professional skilled in Conventional Mortgage Underwriting, Mortgage Compliance, and Credit Analysis. Expertise in evaluating residential loan files against creditworthiness, collateral, and regulatory guidelines. Proficient in identifying compliance issues and communicating findings effectively. Background in Auto Claims Adjustment enhances problem-solving capabilities and commitment to customer satisfaction.
Work History
Auto Claims Adjuster
3 Years 2 Months- Conducted thorough evaluations of auto claims to ensure accurate determination of liability and coverage eligibility.
- Engaged with policyholders and repair shops to enhance efficiency in claim resolution efforts.
- Conducted thorough analysis of documentation to uphold accuracy in claims processing and facilitate payment approvals.
- Delivered comprehensive insights to stakeholders, facilitating clarity regarding claim outcomes.
Due Diligence Analyst
1 Year- Conducted mortgage compliance testing and post-closing reviews, ensuring loan documentation adhered to federal, state, agency, and investor requirements.
- Audited mortgage loan files originated for sale to Fannie Mae, Freddie Mac, FHA, VA, USDA, and private investors.
- Reviewed loan files for credit, collateral, capacity, documentation, and compliance requirements.
- Audited a minimum of 8 loan files per day while maintaining a 48-hour turnaround requirement.
- Researched and reviewed origination documents and disclosures for accuracy, required language, and content requirements.
- Performed compliance testing on denied and withdrawn loan files.
- Analyzed loan-level functions and provided guidance regarding identified findings and requirements.
- Monitored regulatory and agency changes and supported implementation of operational changes required for compliance.
- Utilized Encompass, Compliance Ease, Blitz Docs, Mavent, and Lending QB.
Compliance Analyst
1 Year 4 Months- Conducted mortgage compliance and post-closing audits to verify loan files met federal, state, agency, and investor requirements.
- Reviewed mortgage loans for sale to Fannie Mae, Freddie Mac, FHA, VA, USDA, and private investors.
- Evaluated loan files for credit, collateral, capacity, documentation, and compliance requirements
- Consistently reviewed a minimum of 8 files per day within established turnaround requirements.
- Reviewed origination documents and disclosures for required language, content, and accuracy.
- Performed compliance testing on denied and withdrawn loan files.
- Analyzed loan-level issues and communicated findings and recommendations.
- Monitored agency and regulatory changes and assisted with implementation of required operational changes.
- Utilized Encompass and Compliance Ease.
Conventional Mortgage Underwriter
3 Years 6 Months- Reviewed mortgage loan files for compliance with Fannie Mae and conventional underwriting guidelines, ensuring accurate risk assessment.
- Analyzed borrower credit, employment history, financial information, and supporting documentation to determine creditworthiness.
- Evaluated credit packages and collateral for residential mortgage loans to ensure investment-quality loan products.
- Reviewed loan data and documentation to determine compliance with company, agency, investor, and conventional guidelines.
- Verified the accuracy and completeness of conventional loan packages.
- Identified potential inconsistencies and assisted in detecting and preventing mortgage fraud.
- Evaluated loan files and supporting documentation to identify deficiencies and determine appropriate underwriting conditions.
- Communicated loan decisions and underwriting requirements to appropriate parties verbally and in writing.
- Worked with branch personnel and other underwriters to obtain additional information, present proposals, and explain underwriting policies.
- Maintained accurate loan information within Encompass LOS.
- Responded to reviews and audits in a timely manner and provided required reporting to management.
Collections Agent
9 Months- Managed high-volume collections calls, ensuring timely resolution of outstanding accounts.
- Developed and implemented strategies to improve collection efficiency and reduce delinquency rates.
- Analyzed account data to identify trends and recommend process enhancements for collections procedures.
- Mentored junior agents on best practices for customer interactions and conflict resolution.
Collections Account Manager
2 Months- Led team initiatives focused on reducing delinquency rates through targeted outreach campaigns.
- Managed collections processes, improving recovery rates through strategic account management.
- Analyzed account data to identify trends and drive tailored collection solutions.
- Developed and implemented effective communication strategies to enhance customer relations.
Benefits Enrollment Specialist
3 Years 1 Month- Coordinated benefits enrollment processes, ensuring compliance with company policies and regulations.
- Analyzed employee data to identify trends and recommend improvements in benefits offerings.
- Streamlined communication channels between HR and employees regarding benefits inquiries and issues.
- Developed training materials for new hires, enhancing understanding of benefits programs and systems.
Benefits Verification Specialist
10 Months- Conducted thorough benefits verification for diverse healthcare plans to ensure patient eligibility.
- Collaborated with insurance providers to resolve discrepancies and streamline claims processing.
- Utilized electronic health record systems to maintain accurate patient information and documentation.
- Trained new staff on benefits verification processes, enhancing team efficiency and accuracy.
Education
High School Diploma
Skills
Claims handling
Claims investigation
Policy interpretation
Insurance knowledge
Risk assessment
Claims management software
Document preparation
Quality assurance
Quality assurance
Multitasking
Critical thinking
Attention to detail
Task prioritization
Organizational skills
Time management
Claim documentation
Conflict resolution
Problem-solving abilities
Timeline
Auto Claims Adjuster
State Farm
06.2023 - 08.2026Read More
Due Diligence Analyst
MIAC
11.2021 - 11.2022Read More
Compliance Analyst
Evolve Mortgage Services
07.2020 - 11.2021Read More
Conventional Mortgage Underwriter
Happy Home Lending
06.2017 - 12.2020Read More
Collections Agent
Ally Financial Inc.
09.2016 - 06.2017Read More
Collections Account Manager
Santander Consumer USA
01.2015 - 03.2015Read More
Benefits Enrollment Specialist
Connextions
11.2011 - 12.2014Read More
Benefits Verification Specialist
HMS
01.2011 - 11.2011Read More
Warren Travis White Highschool
High School Diploma
Read More