Have Extensive James Bond Collection
Open To Work
Verified
This profile is verified using an email address.
WALTER P. GAINES
Taylors,SC
Summary
Dynamic financial services expert with a solid foundation in quality control and client relationship management. Recognized for leading initiatives that enhance loan processing efficiency and elevate compliance standards. Proven ability to build strong partnerships within teams to support continuous improvement in mortgage operations.
Overview
18
18
years of professional experience
Work History
Internal File Quality Analyst - Mortgage
TD Bank
Greenville, SC
01.2021 - 01.2026
- Reviewed mortgage loan files for completeness, accuracy and regulatory compliance prior to underwriting and closing.
- Identified and resolved documentation deficiencies, reducing downstream underwriting delays.
- Partnered with processors, underwriters, and compliance teams to improve overall loan quality.
- Supported continuous improvement initiatives to strengthen QC standards and audit readiness.
Consumer/Mortgage Loan Processor
TD Bank
Greenville, SC
01.2019 - 01.2021
- Managed full loan lifecycle for refinance, purchase, government, construction, and HELOC products.
- Collected, verified, and validated borrower documentation to support timely underwriting decisions.
- Served as primary point of contact for borrowers, ensuring clear communication and issue resolution.
Small Business Customer Service Representative
TD Bank
Greenville, SC
01.2014 - 01.2019
- Supported small business clients with account servicing, lending inquiries, and issue resolution.
- Achieved high first-call resolution rates while maintaining compliance standards.
- Built strong client relationships that contributed to retention and referral growth.
Assistant Branch Manager
SunTrust Bank
01.2011 - 01.2014
- Supported daily branch operations, staff supervision, and customer service delivery.
- Assisted with lending activities, compliance oversight, and sales initiative.
Team Leader/Subprime Underwriter
Resurgent Auto Finance
01.2008 - 01.2010
- Reviewed and approved subprime auto loans, ensuring adherence to risk and credit guidelines.
- Acknowledged for effectively balancing risk mitigation with business growth strategies.
- Led team of 5 funders to achieve daily production goals, enhancing loan processing efficiency.
Education
Liberal Arts -
International Studies -
Skills
- Loan processing and underwriting
- Quality control
- File quality assurance
- Regulatory compliance
- File analysis
- Mortgage product knowledge
- Client management
- Team leadership
- Consumer lending
Timeline
Internal File Quality Analyst - Mortgage - TD Bank
01.2021 - 01.2026
Consumer/Mortgage Loan Processor - TD Bank
01.2019 - 01.2021
Small Business Customer Service Representative - TD Bank
01.2014 - 01.2019
Assistant Branch Manager - SunTrust Bank
01.2011 - 01.2014
Team Leader/Subprime Underwriter - Resurgent Auto Finance
01.2008 - 01.2010
Spartanburg Methodist College - Liberal Arts,
University of South Carolina - International Studies,
Work Preference
Desired Job Title
Internal File Quality Analyst - MortgageConsumer/Mortgage Loan ProcessorSmall Business Customer Service RepresentativeAssistant Branch ManagerTeam Leader/Subprime UnderwriterWork Type
Full TimeLocation Preference
On-SiteRemoteHybridLocation: Taylors, SCGreenville, SCBeaufort, SCSpartanburg, SC
Open to relocation: Yes
Important To Me
Career advancementWork-life balanceCompany CultureFlexible work hoursPersonal development programsHealthcare benefitsWork from home optionPaid time offTeam Building / Company Retreats401k matchStock Options / Equity / Profit SharingWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Interests
Languages
English
Native language