Vickie Berkley
Midlothian,TX
Summary
Mortgage Professional with over 13 years of experience in compliance and risk assessment. Well-versed in Special Loan Servicing/ Cash, Customer Service, Escalations. Comprehensive knowledge in conforming and non-conforming loans products including, ARM, USDA, FHA, VA and Conventional loans.
Certified Notary & Loan-Signing Agent.
Overview
13
13
years of professional experience
Work History
Cash Specialist
Rushmore Loan Management Services LLC
09.2021 - 05.2023
- Process borrower's monthly mortgage payments, including checks, wire, bankruptcy payments, money orders, and western union payments according to established department procedures.
- Identified and resolved discrepancies and errors in customer accounts.
- Process Wells Fargo lockbox payment to ensure all funds were applied to customer account correctly.
- Research exceptions and rejected charges; Communicate with the various business units/departments to properly post borrower's mortgage payments/transactions and maintain excellent performance levels on service-level agreements while ensuring compliance with state/federal regulations, department requirements, and operational procedures.
- Learned duties for various positions and provided backup at key times.
Special Loan/Loan Processor
Mid America Mortgage, Inc, NMLS
10.2019 - 09.2021
- Set up and completed loan submission packages.
- Monitored pipelines to track and log status of loans.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed/Audited ARM Loans with upcoming change calculation.
- Ensured Compliance by monitoring loan portfolios involving rate and payment changes.
- Monitored the performance of assigned loan products including ARM, FHA, VA and SCRA loans.
- Evaluated and routinely updated libor index values associated with the changes of market rates.
- Process daily payoff quotes for Mid-America, and Third parties venders.
- Researched ARM loans, and Modification items for various lines of business and partners.
Specialist, Business Process Manager
Santander Consumer USA
10.2016 - 10.2019
- Reviewed processes and procedures to identify areas of improvement.
- Created documents detailing standard operating procedures.
- Identified potential risks associate with projects and proposed strategies for mitigating them.
- Resolved task assigned by management with a minimal degree of immediate supervision.
- Interacted with various internal departments and varying levels of management to retrieve and document business procedures information.
- Facilitated meetings with various internal departments, including, but not limited to, operations marketing, compliance, legal and training on documentation.
Principal Loan Specialist
Capital One
07.2010 - 06.2016
- Reviewed/Audited ARM Loans with upcoming change calculation.
- Monitored the performance of assigned loan products including ARM, FHA,VA, and SCRA Loans.
- Evaluated and routinely updated libor index values associated with the changes of market rates.
- Processing ARM audit adjustable-rate loans daily reporting to determine loans requiring audit process for accuracy MSP system (payment rate, original balance, forbearance amount) Coach team members on ARM audits, and modification processes and procedures.
- Process Home Affordable Modification for loss mitigation, review modification request ensuring the customer has made all trial payments; recalculate loan payments updating MSP system (payment, rate maturity date).
- Processed Subordination Agreements as part of the loan settlement process, including HUD1,1003 loan application, and Deed of Trust; captured original loan amount, payment, and appraisal amount.
- Assist leadership team with special projects and reporting, including pulling daily ARM reports to test adjustable-rate loans and making conversations to ensure accuracy.
Education
High School Diploma -
James Madison High School
Dallas, TX06.1988
Skills
- Strong written, verbal and analytical skills
- Multitasking Capabilities
- Adaptability and Flexibility
- Decision Making Competence
- Problem Solving Abilities
- Continuous Learning Attitude
- Attention to Detail
- Professionalism and Ethics
- Teamwork and Collaboration
- Cash Handling Expertise
- Payment Processing
- Reliable and Responsible
Additional Information
Technology:
MS OutLook, Access, Word Excel, MSP
Sagent, Sitecore, OnBase, Nautilus
Timeline
Cash Specialist
Rushmore Loan Management Services LLC
09.2021 - 05.2023
Special Loan/Loan Processor
Mid America Mortgage, Inc, NMLS
10.2019 - 09.2021
Specialist, Business Process Manager
Santander Consumer USA
10.2016 - 10.2019
Principal Loan Specialist
Capital One
07.2010 - 06.2016
High School Diploma -
James Madison High School
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