Tricia L Holmes
O'Fallon
Summary
Empowering contributor who supports the organization and customers with a unique and positive perspective. Genuine and driven and thrive on tough challenges and translate visions and strategies into actionable goals. Results-driven professional with proven experience leading cross-functional teams, managing timelines, and delivering complex projects on schedule and within budget. Adept at stakeholder communication, resource allocation, and risk mitigation. Passionate about driving operational efficiency and fostering collaboration across departments.
Overview
18
18
years of professional experience
Work History
Loan Analyst
PrideOne/Morgan Stanley
11.2023 - Current
- Assist with monitoring and identifying risk exposures, themes, and trends. Approve closing agents that are not approved within the current mortgage system. Ensure reviews and inquiries are responded to in a timely manner. Assist in maintaining current processes
Loan Analyst
Vertisystems/Morgan Stanley
11.2021 - 11.2023
- Assist with monitoring and identifying risk exposures, themes, and trends. Approve closing agents that are not approved within the current mortgage system. Ensure reviews and inquiries are responded to in a timely manner. Assist in maintaining current processes
Mortgage Loan Quality Control Officer
Mutual of Omaha/CIT
12.2018 - 11.2021
- Verify the existence and accuracy of the documents associated with mortgage loan files for all production product types: FHA, VA, Conventional, USDA Rural Development
- Reviews completed on Sample of Random, Discretionary and Targeted Reviews Early Default mortgages, Declined loan applications
- Evaluate the underwriting decisions associated with the mortgages
- Provide monthly reports to business units on discovered trends in errors that can help determine where additional training for staff may be needed
- Discover errors and omissions as well as intentional violations of rules
- Identify necessary change within the company’s process and procedures
- Assess where mortgages conform to the underwriting requirements and guidelines within the company, the insure and investor
- Determine that regulatory requirements are met
- Monitor the overall quality of mortgage production
NFG Quality Control Officer
Bank of the West
04.2015 - 12.2018
- Professional Summary Empowering contributor who supports the organization and customers with a unique and positive perspective. Genuine and driven and thrive on tough challenges and translate visions and strategies into actionable goals. Professional Expertise Change Management Verify the existence and accuracy of the documents associated with mortgage loan files for all production product types: FHA, VA, Conventional, USDA Rural Development
- Reviews completed on Sample of Random, Discretionary and Targeted Reviews, Early Default mortgages, Declined loan applications
- Evaluate the underwriting decisions associated with the mortgages
- Provide monthly reports to business units on discovered trends in errors that can help determine where additional training for staff may be needed
- Discover errors and omissions as well as intentional violations of rules
- Identify necessary change within the company’s process and procedures
- Assess where mortgages conform to the underwriting requirements and guidelines within the company, the insure and investor
- Determine that regulatory requirements are met
- Monitor the overall quality of mortgage production
Mortgage Banker
Bank of the West
07.2007 - 04.2015
- Responsible for originating mortgage loans for external customers as well as internal employee mortgage loans, while providing excellent customer service.
- Provide service and support to eleven branch sales force and their customer mortgage needs
- Receive customer calls via the Banks 800 toll free number and provide mortgage loan information.
- Assist with internal modification loans for qualified borrowers
- Assist qualified borrowers with the re-amortization of current mortgages.
- Develop knowledge of company products, policies and procedures, underwriting requirements, and conventional and government loan requirements
- Produce high quality loans to meet company guidelines while providing excellent customer service
- Develop relationships with real estate professionals, builders, and other business referral sources
- Knowledge of real estate appraisals, title reports and real estate transactions
- Inform prospective and existing customer of WHMFS programs, rates, policies, underwritings requirements and loan procedures
- Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
- Receive customer applications, quote rates and points and provide them with assistance with the registration lock-in
- Develop and maintain a high degree of visibility in the marketplace
- Customer Care Specialist Education Home Mortgage Consultant Aug 2005-July 2007 Wells Fargo Home Mortgage Developed knowledge of company products, policies and
Education
High School Diploma -
Northwest High School
Omaha, NESkills
- Microsoft Excel
- Documentation review
- Loan underwriting
- Credit analysis
- Process and Procedures
- Appraisal and Inspections reviews
- Mature Customer Services Skills
- Sales
Timeline
Loan Analyst
PrideOne/Morgan Stanley
11.2023 - Current
Loan Analyst
Vertisystems/Morgan Stanley
11.2021 - 11.2023
Mortgage Loan Quality Control Officer
Mutual of Omaha/CIT
12.2018 - 11.2021
NFG Quality Control Officer
Bank of the West
04.2015 - 12.2018
Mortgage Banker
Bank of the West
07.2007 - 04.2015
High School Diploma -
Northwest High School