Vannice Holmes

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
• Met hourly timeline consistently, turning around applications quickly with firm approval or denial decisions.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Verified integrity of applicants' information to minimize fraud.
• Proactively identified solutions for customers experiencing credit issues.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Established plans and payoffs for customers' loans, prioritizing control of overall costs.
• Monitored pipelines to track and log status of loans.
• Explained very technical financial information to loan officers and processors in easy to understand language.

• Description inclusive of previous employment with CMG Financial
• Maintained extensive relationships with brokers with a concentration in California home market
• Knowledge of California property tax requirements and title documentation.

• Description inclusive of previous employment with CMG Financial
• Maintained extensive relationships with brokers with a concentration in
• California home market
• Knowledge of California property tax requirements and title documentation.

• Analyzed sales and financial performances to effectively plan for increased future opportunities, while identifying obvious weak trends
• Managed front-end and back-end development in the company's Portfolio
• Analyst, Employee Track, and Account Management systems
• Created weekly labor finance reports and presented the results to management
• Balanced statements and past comparisons
• Prepared educated projected future revenue and expense reports
• Thoroughly analyzed records of present and past operations
• Worked with an impeccable attention to detail and a commitment to excellence
• Brought forth a positive work-ethic and self-motivated attitude
• Discovered undervalued investments and identified long term sustainable growth
• Brought forth the ability to establish long term client relationships
• Relied on personal drive and leadership skills to meet goals
• Complies with all regulatory requirements
• Fostered successful relationships with a large number of clients, providing them with top of the line financial advisement.

• Engaged with customers to build rapport and loyalty.
• Solved customer challenges by offering relevant products and services.
• Trained and developed new hires in company processes, product knowledge, customer service and selling techniques.
• Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
• Maintained calm demeanor and professionally managed issues in busy, high-stress situations.
• Submitted loan applications to underwriter for verification and recommendation.
• Implemented service improvements to enhance sales cycle.
• Identified partnership opportunities and established favorable business connections.
• Gathered and reviewed customer feedback to improve operations.
• Resolved various issues impacting sales management and business operations.
• Consulted customers to boost product sales and services.
• Complied with regulatory guidelines and requirements.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Maintained friendly and professional customer interactions.
• Compiled database of loan applicants' credit histories, financial statements and other financial information.
• Boosted sales and customer loyalty through incentive programs.

Funds Control/Reconciliation

• Strengthened financial operations by conducting bank reconciliations and financial reporting.
• Maintained account accuracy by reviewing and reconciling checks monthly.
• Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
• Managed complex problem-solving for upper management in order to complete projects on-time and within budget.
• Reconciled company bank, credit card and line of credit accounts, investigating and resolving discrepancies to keep accounts audit-ready.

Legal Research Summons and Subpoena

• Conducted legal research to prepare attorneys and clients for next steps in legal cases.
• Balanced multiple projects and prioritized those with highest potential value to company.
• Used various software to track evidence and case-related documents.
• Reviewed, edited and proofread litigation for proper grammar, spelling and punctuation.
• Assisted up 15 attorneys at time along with IRS agents and other necessary officials pertaining to caseload.
• Communicated pertinent information to clients via phone, email and mail.
• Developed and managed up to 30 cases simultaneously.
• Produced legal documents such as briefs, pleadings and appeals.
• Managed subpoena services for Comerica Bank.