Tracey Lower
Wilmington,NC
Summary
Over 20 years in the customer service industry, which include sales, operations, customer service & management, with 10 years in the mortgage industry (operation & sales) alone. My strong work ethic show personal growth and advancement throughout my work history. I am looking for a challenging, full-time position in a growing organization where I can continue to grow, learn and advance within a Company.
Overview
20
20
years of professional experience
Work History
Title Insurance Underwriter
Chadwick Land Title, LLC
02.2023 - Current
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Disclosure Manager
Angel Oak Home Loans, LLC
05.2018 - 11.2022
- Manage and train a team to follow protocol when initially disclosing, redisclosing and reviewing loan files for accuracy in accordance with RESPA/ TRID requirements
- Prepare disclosures and ensure accuracy in accordance with RESPA/TRID requirements
- Ensure Loan Estimates and/or revised Loan Estimates are accurate and meet CFPB explicit standards for TILA/RESPA Integrated
- Track timely receipt and signatures required of the disclosure package to begin wait periods according to the Rule; verify the intent to proceed is signed and returned by the borrower
- Communicate proactively with all parties involved in the preparation of disclosures to avoid issues at closing
- Respond to inquiries from MLOs, other support staff effectively and concisely
- Provide input on areas for improvement in the disclosure function
- Complete required compliance training courses as assigned
- Any other additional duties and responsibilities as directed by Supervisor or Manager.
Loan Originator
Homeside Financial
08.2017 - 05.2018
- Originate Loans in FHA, VA, Conventional, NC Housing, HELOCs, along with other variety or programs
- Perform all origination tasks in accordance with industry and regulatory guidelines and requirements
- Achieve sales and referral goals by developing a one-of-a-kind customer experience
- Market to and manage referral relationships, including realtors, builders, professional and personal contacts
- Participate in in business related development opportunities community efforts to promote home ownership
- Proactively seek ways to develop and expand customer relationships in order to achieve branch and personal goals
- Provide status updates and assist processing with the collection of any trailing borrow documentation needed to complete loan processing and closing.
Sr. Closing Specialist/Loan Originator
Gateway Bank Mortgage, Inc
05.2009 - 08.2017
- Experienced in FHA/VA, USDA and NC Housing along with other variations of loan closings
- Analyze standard and complex documents including HUD-1 Settlement Statements, title policies, power of attorney, tax exchanges, revocable trusts, recorded easements and liens, escrow, hazard and flood insurance
- Evaluate and solve complex problems from multiple perspectives
- Train and mentor new team members
- Knowledge of FNMA/FHLMC, Private Investor and Portfolio guidelines
- Knowledge of Compliance, Secondary, Post Closing and Servicing processes
- Review post closing documents, follow up on errors/corrections and ship to investor within required time frames to avoid errors or monetary losses.
- Interact with customer, loan officer and closing agent to ensure closing transaction occurs to expectation with highest level of customers.
- Complete all accounting and balancing of closing transaction to avoid errors or monetary losses
- Review file to ensure loan Prepare borrowers, lenders and
Builder Representative
Fonville Morisey & Barefoot, Inc
01.2008 - 05.2009
- Worked closely with owners throughout process to keep projects in line with individual visions.
- Coordinated paperwork and inspections required for each type of building to keep workflows running smoothly and to avoid backlog.
- Provided first class customer service to meet deadlines with guaranteed satisfaction.
Broker/Realtor
Fonville Morisey Realtors
04.2005 - 01.2008
Education
Title Insurance Underwriters License -
NC Title Insurance
NC Brokers License (Innactive) -
Fonville Morisey
Associates - Liberal Arts
NOVA, Wake Tech Community College
Bachelor’s - Communication
Ashford University
NC, FL & TN Originator Licenses (Innactive) -
NMLS
Skills
- Computer Skills
- Communication
- Problem solving
- Verbal and Written Communication
- Document Control
- Time Management
- Documentation and Filing
- Workload Management
- Insurance Knowledge
- Commercial Insurance
- Property Law
- Title I Compliance
- Document Control Support
- Service Quality
Timeline
Title Insurance Underwriter
Chadwick Land Title, LLC
02.2023 - Current
Disclosure Manager
Angel Oak Home Loans, LLC
05.2018 - 11.2022
Loan Originator
Homeside Financial
08.2017 - 05.2018
Sr. Closing Specialist/Loan Originator
Gateway Bank Mortgage, Inc
05.2009 - 08.2017
Builder Representative
Fonville Morisey & Barefoot, Inc
01.2008 - 05.2009
Broker/Realtor
Fonville Morisey Realtors
04.2005 - 01.2008
Title Insurance Underwriters License -
NC Title Insurance
NC Brokers License (Innactive) -
Fonville Morisey
Associates - Liberal Arts
NOVA, Wake Tech Community College
Bachelor’s - Communication
Ashford University
NC, FL & TN Originator Licenses (Innactive) -
NMLS
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