Tracy Blanton
Phoenix,AZ
Summary
To obtain a challenging position within the organization to showcase multitasking, computer savvy, analytical & decision making skills, ability to understand & convey credit policy & procedures, while utilizing income evaluation skills & mortgage knowledge.
Overview
27
27
years of professional experience
Work History
Title Coordinator/Title Review
Rocket Mortgage/Quicken Loans
09.2020 - 02.2024
- Communicated with Escrow Officers to resolve common title issues.
- Minimized delays in closing timeline by proactively addressing potential issues and maintaining consistent communication with all parties involved.
- Reviewed title commitment to meet closing standards for each property.
- Maintained high-quality work standards while contributing to overall team efficiency.
- Expedited closing process by proactively addressing any discrepancies or issues found during title examination phase.
Loan Closing Specialist
Rocket Mortgage/Quicken Loans
04.2018 - 09.2020
- Streamlined loan closing process by diligently reviewing documents and ensuring accuracy.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Increased overall productivity within department by consistently meeting or exceeding performance metrics related to closed loans per month.
- Served as reliable resource for colleagues seeking guidance or clarification on loan closing processes, contributing to supportive work environment.
- Managed approximately 30 incoming calls and emails per day from customers.
Consumer Underwriter QL
Rocket Mortgage/Quicken Loans
06.2013 - 04.2018
- Review file for credit worthiness prior to conditioning for documents
- Review appraisal, 1004, HVE & PIW for LTV, CLTV & HCLTV
- Review file for any subordinate financing
- Condition loan for any additional documents needed to qualify the loan
- Review income to qualify DTI
- Review assets for FTC, Reserves & HARP.
HL Underwriter Sr
Chase Home Finance
01.2012 - 01.2013
- orrespond with CAS in order to resolve delinquency through modifications
- Review all docs for income verification & 3rd party review
- Evaluating financial information & using system tool to decision requests
- Excellent analytical & decision making skills
- Prepare an analysis & business plan to recommend best resolution
- Strong verbal & written communication skills
- Present modification recommendations to management for approval
- Meet all daily, weekly, & monthly goals.
HL Cust Assistance Specialist
Chase Home Finance
01.2010 - 01.2011
- Contact customer for documents needed to obtain mod approval
- Review/approve all documents for UW review
- Explain income calculations and policy/procedures to customers
- Explain/breakdown all US Treasury guidelines for Mods
- Review/explain all escrow calculations and shortages
- Review/explain all UW decisions.
HLD Mortgage Processor
Chase HLD
01.2007 - 01.2010
- Gather all documents needed to obtain approval on loans
- Anticipate documents required by Underwriting for approval
- Answer all customer questions regarding loan process and requirements
- Process loans within a timely manner to meet rate lock requirements
- Process high volumes of files and meet quality and production goals
- Proficient with CLOSR, Zippy, CFM.
Sr. Equity Loan Processor/Underwriter
Chase/Bank One Home Equity
01.2002 - 01.2007
- Underwrite high volume of files and meet quality and production goals
- Underwrite Home Equity Lines/Loans to Chase/State policy/procedures
- Review all vendor work received – appraisals, title, flood – for accuracy
- Review customer provided documents for approval
- Review/calculate income from pay stubs, tax returns, award letters, etc… Convey counter offers and rate changes
- Review final approval, terms and conditions, set closing date & time.
Consumer Loan Origination Specialist II
Bank One Home Equity
01.1999 - 01.2002
- Interview applicants to determine credit qualifications and assess borrowing needs
- Evaluate credit, collateral, appraisal, title, flood reports, calculate VOI, and prepare loan docs
- Resolve issues that arise during the lending process
- Ability to probe customers thoroughly to determine financial statements required for processing and calculate income
- Recognize cross-sell and referral opportunities
- Assist new hires with questions regarding policies, procedures, and complex applications
- Assist manager and lead with ‘Concur’ queue, Service Observes, coaching and review decline and withdraw reports for HMDA.
Credit Card Services
Bank One Credit Card
01.1997 - 01.1999
- Analyzing new credit card applications & requests for credit increase
- Provided prompt and accurate information and problem resolution
- Skilled in responding to complex customer inquiries
- Recognized for excellence in customer service
- Special projects included- Team Manager Assistant, Quality Control, Training Assistant, and New Hire Mentor.
Education
Computer Applications -
MTI Business College
Stockton, CA01.1990
Timeline
Title Coordinator/Title Review
Rocket Mortgage/Quicken Loans
09.2020 - 02.2024
Loan Closing Specialist
Rocket Mortgage/Quicken Loans
04.2018 - 09.2020
Consumer Underwriter QL
Rocket Mortgage/Quicken Loans
06.2013 - 04.2018
HL Underwriter Sr
Chase Home Finance
01.2012 - 01.2013
HL Cust Assistance Specialist
Chase Home Finance
01.2010 - 01.2011
HLD Mortgage Processor
Chase HLD
01.2007 - 01.2010
Sr. Equity Loan Processor/Underwriter
Chase/Bank One Home Equity
01.2002 - 01.2007
Consumer Loan Origination Specialist II
Bank One Home Equity
01.1999 - 01.2002
Credit Card Services
Bank One Credit Card
01.1997 - 01.1999
Computer Applications -
MTI Business College
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