Vicky Fullard
Riverview,FL
Summary
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 15 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Talented Loan Specialist with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
9
9
years of professional experience
Work History
Retention Customer Service Representative
Charter Communications Inc
09.2023 - Current
- Increased customer retention rates by effectively addressing and resolving concerns in a timely manner.
- Handled high-volume calls, ensuring top-notch customer service while maintaining professionalism.
- Developed rapport with customers by actively listening to their needs, resulting in strong relationships and positive feedback.
- Collaborated with team members to implement new strategies for improving overall customer retention.
- Met or exceeded performance metrics regularly, demonstrating consistent dedication to providing feedback
- Provided knowledgeable recommendations for products or services that aligned with individual customer needs, boosting satisfaction levels significantly.
Mortgage Loan Specialist
Planet Home Lending
11.2020 - 06.2023
- Increased loan approval rates by carefully evaluating applicant creditworthiness and financial stability.
- Streamlined mortgage application processes for quicker turnaround times, enhancing customer satisfaction.
- Collaborated with underwriters to accurately assess risk factors and ensure compliance with lending regulations.
- Resolved complex loan issues by conducting thorough research and collaborating with internal teams.
- Managed a pipeline of mortgage applications, prioritizing tasks based on urgency and importance.
- Conducted detailed property appraisals to determine accurate home values for financing purposes.
- Implemented risk mitigation measures by diligently reviewing borrower documentation and verifying information accuracy.
- Provided exceptional customer service throughout the entire loan process, addressing inquiries promptly and professionally.
- Coordinated seamlessly with real estate agents, attorneys, title companies, and other stakeholders for smooth transactions.
First File Reviewer
Treliant Risk Advisors
10.2019 - 11.2022
- Handled all delegated tasks, including reviewing and approving mortgage documentation in mortgage transaction from origination to foreclosure
- Completed OCC Federal SCRA look back resulting in detailed process audit
- Maintained updated Federal and State guidelines through Regulatory and mortgage industry protocol
- Pipeline management of thirty to forty accounts per month
- Provided dialogue to auditors, from law firms and attorneys on documents review.
Loan Servicing Specialist III
Wells Fargo
02.2015 - 10.2019
- Responsible for responding to written and phone inquiries from customers, title companies, and internal personnel regarding loans
- Functions include: answering questions pertaining to all areas of loan servicing including payment research, taxes, insurance, loan modifications and assumptions, prepayments, payoffs, adjustable rate loans, credit reporting, and lien perfection; researching and analyzing problems.
- Within the commercial business is responsible for payment processing, check disbursements, tax payments, imaging and document management.
Education
Associate in Business Management -
Central Carolina Technical College
Sumter, SC01.2016
Skills
- Loan Servicing
- Mortgage Servicing
- Mortgage Loan
- Fair Housing Regulations
- Document Management
- Underwriting
Accomplishments
- Fair Lending ECOA 2023
- Fair Debt Collection Training 2023
- Single Play Saves 2023
Timeline
Retention Customer Service Representative
Charter Communications Inc
09.2023 - Current
Mortgage Loan Specialist
Planet Home Lending
11.2020 - 06.2023
First File Reviewer
Treliant Risk Advisors
10.2019 - 11.2022
Loan Servicing Specialist III
Wells Fargo
02.2015 - 10.2019
Associate in Business Management -
Central Carolina Technical College
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