Vanessa Paillant
Boynton Beach,FL
Summary
Experienced Mortgage Servicing Specialist with a strong background in customer service, administrative support, and financial operations. Skilled in payment processing, account balancing, and documentation management. Proven ability to ensure compliance, maintain records, and monitor mortgage rates. Seeking a position to deliver exceptional service and contribute to organizational success.
Overview
13
13
years of professional experience
Work History
Mortgage Servicing Specialist
ITHINK FINANCIAL CREDIT UNION
Delray Beach, FL
02.2020 - Current
- Ordering original Fannie Mae (FNMA) loan documents from the Bank of New York Mellon after an FNMA loan has been paid off.
- Collaborating with the Accounting Department to ensure a monthly balance of GL accounts.
- Efficiently process payoff funds received through check or wire transfer for both first and second mortgage loans within designated timeframes. Promptly return any excess funds to members.
- Proactively promoting and cross-selling Credit Union products and services.
- Effectively handling daily service requests in CRM and ensuring appropriate distribution across the department.
- Providing assistance in preparing Satisfactions for County Recording, mailing the recorded Satisfactions to members, updating CRM, and informing the Servicing Director.
- Canceling PMI with PMI vendors for all paid-off loans and coordinating remaining funds with the Tax representative to ensure an adequate amount is available for the final PMI payment.
- Reconciling payoff transactions with corresponding general ledger transactions.
- Ensuring meticulous organization and proper alphabetical filing of physical mortgage files in a secure, fireproof cabinet, maintaining compliance, and facilitating auditing processes.
- Informing management when goals for post-closing, satisfaction, and document retention are not satisfactorily achieved.
- Monitoring daily first mortgage rates through Fannie Mae and providing current competitor rates to senior management for review.
- Updating first mortgage rates as required and initiating the ordering of tax certificates through a vendor for recently funded first mortgages.
- Tracking ARM changes through monthly reporting, ensuring initial and subsequent letters are mailed timely to borrowers, and communicating with Electronic Processing on any Direct Pay changes due to ARM change.
- Thoroughly preparing and processing subordinations for 2nd mortgage loans with utmost attention to detail and accuracy.
- Proving successful working within tight deadlines and a fast-paced environment.
Branch Operations Supervisor
DESJARDINS BANK
Hallandale, FL
02.2018 - 01.2019
- Managed and provided oversight for the teller line while assisting tellers with daily transactions.
- Effectively managed the schedule to ensure optimal service provision by tellers during peak periods.
- Ensured tellers' compliance with regulatory and securities policies and procedures through comprehensive training.
- Performed regular balancing and maintenance of ATM machines.
- Tracked currency shipments and deliveries, scanned and processed reports daily, operated the alarm system and facilitated the opening and closing of the branch on a daily basis.
- Consulted with customers to boost product sales and services.
- Complied with regulatory guidelines and requirements.
Client Relations Specialist
DESJARDINS BANK
Hallandale, FL
09.2016 - 01.2018
- Conducted comprehensive research on prospective customers, diligently verifying their eligibility for new account openings through meticulous credit checks, system checks, and OFAC screenings.
- Established profiles for new customers and facilitated the opening of personal accounts through a meticulous execution of clerical duties.
- Responded promptly to all customer phone calls, addressed their concerns, and diligently followed up with emails daily to ensure exceptional customer satisfaction.
- Forged and nurtured impactful relationships with customers to cultivate loyalty.
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
Bank Teller
DESJARDINS BANK
Hallandale, FL
10.2014 - 01.2016
- Processed daily deposits and withdrawals.
- Conducted thorough verification of signatures and accurately processed check cashing and fund disbursements.
- Received and meticulously counted daily cash, drafts, and travelers' check inventories.
- Prepared and verified cashier’s checks.
- Managed daily wire transfers and foreign exchange transactions including visa payments and Canadian checks.
- Educated customers on the use of banking websites and mobile apps.
- Processed customer transactions promptly, minimizing wait times.
- Sold and cross-sold bank products to new and existing customers.
- Assisted customers with compromised debit cards and issued new credentials.
Financial Aid Advisor
SULLIVAN & COGLIANO TRAINING CENTERS
Hialeah, FL
01.2010 - 01.2012
- Determined the types and amounts of Financial Aid to be awarded through the packaging process.
- Monitored individual student awards, resolved data conflicts, and over awards.
- Provided verbal breakdown and created Financial Aid awards based on the student’s eligibility (Cont’d).
- Emailed all Financial Aid documents to students.
- Maintained appropriate & accurate records through the company data system entry.
- Counseled students and parents about financial aid options and program details.
Education
Associate of Science - Accounting
Broward College
Miami, FLSkills
- Mortgages and Loans
- Customer Satisfaction
- Customer Care
- Customer Retention
- Critical Thinking
- Mortgage Closing Scheduling
- FHA Loan Processes
- Account Management
- Customer Relations
- Project Management Abilities
- Problem-Solving Ability
- Customer Relationship Management
Timeline
Mortgage Servicing Specialist
ITHINK FINANCIAL CREDIT UNION
02.2020 - Current
Branch Operations Supervisor
DESJARDINS BANK
02.2018 - 01.2019
Client Relations Specialist
DESJARDINS BANK
09.2016 - 01.2018
Bank Teller
DESJARDINS BANK
10.2014 - 01.2016
Financial Aid Advisor
SULLIVAN & COGLIANO TRAINING CENTERS
01.2010 - 01.2012
Associate of Science - Accounting
Broward College
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