Tracy Riley
Wells Fargo Bank, N.A.
Charlotte,NC
25
years of professional experience
Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in building relationships and coordinating and maintaining schedules. Working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Work History
Mortgage Document Analyst
- Identified risk and offsets and develops solutions for the set time frame.
- Ensured government and state laws and guidelines were followed; Checked for title reports for assignments.
- Recommended files for revisions; Presented findings to colleagues and upper management.
- Developed charts and graphs to report findings; Collaborated with team members to bring forth a positive solution.
Construction Estimator Part-time
3 Years 5 Months- Produced preliminary estimates based on schematic and design development level documents.
- Analyzed completed projects to compare estimated costs to actual costs, determining reasons for discrepancies.
- Analyzed blueprints and other documents to prepare time, cost and labor estimates.
- Consistently followed up with customers to determine satisfaction levels. Generated timely proposals to clearly communicate correspondence and bid clarifications.
- Efficiently completed material orders, resulting in all projects being completed on time and under budget.
- Redesigned parts of projects to fit budget criteria of clients.
Production Manager
1 Year- Support Branch Operations and Management by assisting with prioritization and workflow structure and scheduling.
- Maintain reporting to monitor initial CDs to ensure appropriate timing requirements are met.
- Resolve branch complaints in a prompt and professional manner.
- Identify the root causes of issues by analyzing patterns and trends.
- Manage projects for deployment of new systems and procedures.
- Provide support for call coverage for mortgage processors.
Tax Preparer Seasonal
11 Years 3 Months- Advised clients to comply with IRS regulations and meet state and federal tax obligations.
- Finalized and processed paperwork with local, state and federal government authorities.
- Supplied detailed tax documentation needed to submit accurate corporate and individual returns.
- Analyzed information and assessed liabilities and deductions according to relevant tax code.
- Implemented tax reduction strategies to analyze and minimize tax liabilities.
- Analyzed unaudited financial statements to determine adjustments for accurate tax treatment.
- Used tax form instructions and tables to complete tax forms.
Senior Mortgage Processor
6 Months- Built relationships with customers and kept them informed of the mortgage process.
- Training in basic Java using methods of variable declarations.
- Coordinate, and maintain vendors schedules.
- Schedule appraisers for home inspections,
Customer Service Representative
9 Months- Identified risk and offsets in pay rate; completed reports and investigated case files for accuracy.
- Recommended files for final approval by upper management; Created and maintain document data base.
- Setup and managed paper electronic file systems; recorded and updated information by using various applications.
- Updated customers with claim status.
Mitigation/Bankruptcy Relationship Manager
5 Years 3 Months- Applied state and government laws doing the mortgage qualification period for customers.
- Communicate government programs to customers and foreclosure process. Built quality relationship with customer to bring forth a positive business relationship for the bank.
- Provide underwriting guidelines and managed the processesfor Mortgage Modifications.
- Established strong client relationships to drive business development.
- Achieved client loyalty through quality, productivity, service and proactive management.
- Helped clients and attorneys complete short sales.
- Assessed financial information to determine borrower's making of future payments.
- Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating balances.
Mortgage Loan Processor
1 Year 10 Months- Processed Conventional and FHA Mortgage Loans in a wholesale environment.
- Schedule vendors to work sites.
- Coordinate and schedule closing.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
Vendor & Title Management Manager
8 Years 1 Month- Manager Customer Service & Appraisal/ Vendor Management. Supervise a team of 35 in house employees and over 160 vendors out of office and ensuring that all rules and regulations are being followed and administered daily to include performance evaluations.
- Handling escalated issue through interaction with vendors, customers, and clients within internal/external operations to coordinate appraisal reviews and obtain reports in a productive turnaround time.
- Tracking time/attendance and handling H.R issues.
- Increased the company probability margin by 28% allowing the growth for new employees to be hired.
- Developed business plans to evaluate market opportunity and strategic fit for new product concepts.
- Resolved conflicts between vendors and internal stakeholders in a timely manner.
- Created reports summarizing key metrics related to vendor activities.
- Performed periodic audits of vendors' activities to ensure contractual obligations were met.
Education
High School Diploma
Some College (No Degree)
Certification - Computer Software
Certification - Accounting And Business Management
Skills
Microsoft Office (Excel
Teams
Outlook)
Operations& Account Management
Creative Problem Solver; Analytical
Relationship Builder
Vendor Management
Training and Development
Lending Software Systems
Information Verification
Loan Application Preparation
Legal Documentation (Paralegal)
Time Management
Verbal and Written Communication
Tax Accounting
Income Housing tax credit
Individual Returns Preparation
Research/Due Diligence
Tax Law Review
Title & Mortgage Review
Title clearance resolution
Timeline
Construction Estimator Part-time
Baldwin Remodeling
01.2022 - 06.2025Read More
Production Manager
Cross Country Mortgage
06.2020 - 06.2021Read More
Senior Mortgage Processor
Accenture Technology Solutions
10.2017 - 04.2018Read More
Customer Service Representative
Veteran Affairs
04.2016 - 01.2017Read More
Mortgage Loan Processor
Wells Fargo, NA
08.2010 - 06.2012Read More
Mitigation/Bankruptcy Relationship Manager
Bank of America, NA
07.2010 - 10.2015Read More
Tax Preparer Seasonal
Saltmarch and Associates
01.2008 - 04.2019Read More
Vendor & Title Management Manager
Atlantic Assurances
12.2000 - 01.2009Read More
Waterson Technical Institute
Certification from Accounting And Business Management
Read More
New Horizon Computer
Certification from Computer Software
Read More
East Coast Bible College
Some College (No Degree)
Read More
Géringer High
High School Diploma
Read More
Mortgage Document Analyst
Wells Fargo Bank, N.A.
Read More