Bernetta Johnson Email & Phone Number

Atlanta, GA, US

Atlanta, Georgia, United States

• Monitors and manages the flow of production through the mortgage life cycle.
• Ensures the production cycle is within compliance of regulatory requirements (for example, Reg B, initial disclosures, re-disclosure, app’s moved to processing timely,).
• Provides business oversight of the entire production pipeline from lead to app, from app to submit to processing, from processing to Clear to Close and from Clear to Close to funding,
• Coordinates with front line managers in both sales and operations to maintain strong daily management routines to ensure effective and efficient flow or work through the entire mortgage process.
• Ability to partner and drive results to ultimately ensure the best cycle times for production and delivering on the expectations of our customers.
• Assists with regulatory compliance and reporting.

Atlanta, GA

• Oversees the day-to-day performance of the department managers.
• Sets, maintains and ensures achievement of all operations goals and objectives, recognizing and celebrating successes, while taking timely action on substandard performance.
• Oversees daily operations functions, ensuring adherence to guidelines, compliance, quality and regulatory requirements and standards.
• Reviews operational performance metrics and takes appropriate actions based on those metrics.
• Strong training and mentoring skills at all levels.
• Ability to effectively lead and inspire workers both in person and remotely.

Atlanta, Georgia

• Maintain pipeline for Sales, Processing, Underwriting and Closing departments
• Monitor system data for accuracy to ensure established Service Level Agreements are met
• Analyze current and projected volume trends; recommend changes to staffing requirements
• Work closely with Senior Management to maintain acceptable departmental expenses
• Analyze and adjust departmental turn times to improve customer experience

Greater Atlanta Area

Underwrite a minimum of (3.5) loans daily in accordance with Platinum Mortgage, HUD and Investor Guidelines as well as review and clear closings conditions received on previously approved loans. Manually calculate income based on paycheck stubs, W-2’s, written Verification of Employment, personal and business tax returns, and retirement statements. Review.

Perform analysis of residential loan, including but not limited to re-underwriting credit, appraisal analysis, re-verification of loan documents, reviewing loan files for completeness and accuracy, analyzing all credit documents, and ensure loans met the terms of original loan commitments and/or mortgage insurance policies. Identify and provide summary of.

Responsible for assisting clients in preparing for the future by making various recommendations in the form of life insurance, health insurance, retirement & pension plans, annuities, long term care, mutual funds, money market accounts. Assist clients with retirement rollovers and financial planning. Assist clients with locating and obtaining real estate.

Responsible for originating packaging loan under either conforming, non-conforming, & home equity loans by building and developing strong relationships directly with our customers. Building and fostering strong internal working relationships with underwriting and processing departments within our lenders. Maintaining sales contact, pipeline and other sales.

Responsible for generating loan application through self source leads and company leads. Develop a marketing strategy and relationship with Builders, local union members, realtor and for-sale-by-owners. Develop and maintain referral business. Assist processing department by pre-underwriting and collecting basic conditions at time of RESPA signing to ensure.

Responsible for underwriting complex credit and property applications ensuring compliance with investor and Wells Fargo standards, Make prudent underwriting decisions within authority, 2nd sign for underwritersI and II, evaluate property information from the appraisal to judge the market value of the property, examine loan file documentation for accuracy.

Responsible for underwriting Non-prime, Prime, Niche, 80/20 combo loans to investor specifications, Pre - Approve loans to insure regulatory compliance, Send conditional approval to Area Managers and Brokers, Review Appraisals for accuracy of value and completeness, Respond to Quality Control Audits, Analyze Credit profile and determine credit worthiness.

Performs all processing, Decision and pre-closing tasks required to manufacture a loan in compliance with company standards. Process loan files, verify accuracy of documents received. Order required credit reports, appraisals and other documentation needed to complete loan files. Branch Liaison for SRA’s, HMC’s and HMA’s. Point of reference for all.

Responsible for underwriting B / C loans to investor specifications, Pre - Approve loans to insure regulatory compliance, Send conditional approval to Area Managers and Brokers, Review Appraisals for accuracy of value and completeness, Respond to Quality Control Audits, Analyze Credit profile and determine credit worthiness, Make final decision on loan.

Coordinate, prepare and maintain beneficiary statements upon request from Escrow and Title Companies or other lending institutions for assumption or transfer of the title, Liaison between Clients, Company Branches, Escrow and Title Companies, Coordinate and Process Judicial Payoff Statements with Foreclosure Attorney Representatives. Draft response to.

Education record

Business Administration & Accounting

Certificate Of Mortgage Lending, Mortgage Lending

Mortgage Underwriting And Processing

Education record

Education record