Towson, Maryland, United States
Business Administration major at Towson University with a concentration in Finance, graduating May 2020. Knowledgeable of different working environments with over six years of dedicated, advancing, and mentoring work at one company and internships in the accounting and financial services fields. Highly dependable, fast learner, and detail oriented. Great understanding of emotional intelligence and motivated to work in teams and individually. Proficient user of Microsoft Excel, Word, PowerPoint, and Outlook.
• Review customer home improvement loan applications, credit reports, and demographics to determine creditworthiness and ability to repay • Refer customers to 3rd party lenders if overall risk of the applicant does not meet company risk tolerance • Assist customers with inquires about their loan's status and processing payments • Contact customers that are delinquent on their loan for collection
• Evaluate risk of the mortgage application and supporting documents including: o Credit Report o Title o Appraisal o Income • Determine if an application is approved or denied based on program specific and company guidelines. • Properly disclose fees to applicant when changes are made from initial application • Confirm escrow payments are set up properly for future payments - Specialist Designation: Certified Residential Underwriter (CRU) - NMLS ID #1995658
• Determine if the mortgage application qualifies to proceed with ordering an appraisal based on program specific and company guidelines. • Conduct initial income calculations to determine guidelines are met. • Communicate with mortgage loan officer when additional documentation is needed to order the appraisal.
• Order the appraisal for the mortgage application and confirm the value is sufficient when the appraisal is completed. • Prepare the mortgage file through loan origination software for Underwriter review. • Obtain additional documentation needed for Underwriter to complete a final review of the mortgage file.
• Passed the Maryland Life and Health Exam • With senior advisors, conducted initial consultation meetings to understand what was important to new clients and what goals we could help them achieve • Presented financial plans to clients and offered recommendations
• Confirm daily book keeping records from all stores for journal entries • Input journal entries to general ledger using Oracle and FMS software • Format journal entries using Microsoft Excel