Toya Hines
Lancaster,TX
Summary
Experienced professional seeking a challenging position in a dynamic environment that values my skills and enables me to make a significant contribution. Committed to leveraging my current skillset while continuously expanding my knowledge and abilities.
Overview
24
24
years of professional experience
Work History
Credit Risk Analyst
Planet Home Lending
Irving, TX
04.2000 - Current
- Submits requested files to agencies for quality control review
- Completes quality control review of offshore associates files
- Acts as Subject Matter Expert for offshore associates, responding to questions and assisting with file reviews
- Prepares SOP’s and job aids to assist offshore associates
- Manage pipeline of Freddie, Fannie, and MI company requests to insure timeliness of delivery for files requested for QC
- Communicates any issues with requesting agencies, acting as liaison between the agencies and our internal associates
Senior Account Manager
First Guaranty Mortgage Corporation
Plano, TX
08.2019 - 03.2020
- Monitored and reviewedall submitted documentation to ensure accuracy, obtain missing loan documentation, and communicated any discrepancies with client
- Evaluated initial approvals, communicating approvals to client, and acted as liaison between client and underwriter
- Managed personal loan processing pipeline to insure milestones are met in a timely manner to insure timely closings
- Reviewed and followed updated company credit policies and investor-related requirements specific to the loan, while ensuring the loan conditions met investor and company guidelines
- Conducted pre-underwriting reviews of client-uploaded conditions by reviewing conditions, obtaining additional documents as needed to meet the remaining conditions prior to loan closing, and resubmitting loan files to underwriting for final approval once all conditions have been received
- Cultivated and maintain a close relationship with all clients and proactively and effectively communicated all information from the time the loan is decisioned through clear-to-close
- Set and maintain proper expectations for all parties within the transaction, including internal and external.
Government Insuring Team Lead
Caliber Home Loans
Irving, TX
01.2015 - 08.2019
- Reviewed closed and funded government loans to confirm they meet agency and company guidelines
- Reviewed all loan documentation to confirm correspondence with AUS findings
- Reviewed all documentation to confirm agency and company guidelines are met
- Trained new Government Insuring Analysts on auditing, resolving errors with mortgage documents, and insuring government loans
- Trained Government Insuring Analysts and Offshore Analysts on any new Government and company requirements and procedures
- Reviewed Delinquent Government Insured loans to ensure agency compliance
- Created Procedural Tips/handouts to assist Government Insuring Analysts
- Provided feedback to Offshore Analysts to improve quality of loan review
- Completed quality control review for onshore Insuring Analysts to ensure loans were reviewed to meet company and agency standards
- Escalated aged and priority loans to appropriate parties to insure loan is resolved in a timely manner
- Acted as Subject Matter Expert on VA and USDA loans answering questions from team and branches
- Assisted in updating Training Manuals and SOP guides as government agencies and company updated their guidelines
- Reviewed team pipeline daily to insure loans are reviewed accurately and timely
- Assigned loans to team members daily to insure loans are distributed appropriately
- Run and distribute Key Performance Indicator reports to identify target loans to meet 60 day insuring goal
- Run and distribute Department Loans Insured report to track analyst’s daily productivity
- Emailed analyst on any Dashboard items that are past due for review
- Researched loans that are escalated by analyst to assist with any questions
- Corresponded with appropriate government agency contacts when needed
- Ran and distributes report on agency deficiencies to track age, responsible division, and timeliness of response to agency’s request
Processor (Retail)/Account Manager (Wholesale)
Nationstar Mortgage/Mr. Cooper
Irving, TX
07.2012 - 12.2014
- Processed Conventional and Government mortgage loans
- Requested and analyzed VOEs, VODs, credit reports/supplements, appraisal, and title insurance
- Analyzed and calculated income for W2 and self-employed borrowers
- Requested required documentation from borrower and communicated status of loan (retail)
- Arranged closings with loan officer and closing department
- Reviewed closing documents to ensure accuracy
- Acted as liaison between borrowers, underwriters, loan officer, and third party vendors to ensure timely closings
- Ensured loans met investor and lender guidelines
- Communicated loan approvals and conditions to brokers (wholesale)
- Received and analyzed conditions for completeness, accuracy, and red flags before submission to the underwriter
- Prepared and communicated final fees and costs to client
- Prepared and reviewed pipeline reports for management analysis
- Ensured client satisfaction with superior customer service .
Processor
Wells Fargo Home Loans
03.2010 - 04.2011
- Processed FHA, VA, and Conventional Loans
- Ensured loans were closed in a timely manner
- Gathered documentation needed for underwriter approval of mortgage loan from borrowers and third party vendor
- Reviewed income, assets, title reports, and appraisals to ensure completeness and compliance before underwriting submission
- Communicated status of loan to borrowers and loan officers
- Kept abreast on regulations and program guidelines for FHA, VA, and Conventional Loans
- Maintained high level of productivity and quality
- Submitted clean loans to closing department to insure accurate and timely closing.
Education
High School Diploma -
Townview Highschool
Dallas, TXBusiness Administration
Texas A&M At Commerce
Commerce, TXTimeline
Senior Account Manager
First Guaranty Mortgage Corporation
08.2019 - 03.2020
Government Insuring Team Lead
Caliber Home Loans
01.2015 - 08.2019
Processor (Retail)/Account Manager (Wholesale)
Nationstar Mortgage/Mr. Cooper
07.2012 - 12.2014
Processor
Wells Fargo Home Loans
03.2010 - 04.2011
Credit Risk Analyst
Planet Home Lending
04.2000 - Current
High School Diploma -
Townview Highschool
Business Administration
Texas A&M At Commerce