Billy Summers Email & Phone Number

Buford, GA, US

Greater Atlanta Area

• Since 2016, actively managed residential mortgage pipeline consisting of more than $500MM in closed loan volume, serving more than 1800 families.
• Field inquiry calls and discuss products with clients, providing tailored recommendations to best suit their needs
• Conduct consultative interviews with clients in order to analyze financial and credit data, determine customer financing objectives, advise clients of product/pricing policies and guidelines, and gather any additional.
• Offer transparent and easy to understand financing options
• Define and establish realistic expectations, particularly with commitment and closing dates
• Request, review, and upload documentation from clients

Greater Atlanta Area

• Actively manage our team’s residential mortgage pipeline from application through closing; consisting of over $75MM in closed loans in 2015 ($60MM in closed loans in 2014)
• Provide outstanding customer service to clients, real estate agents, and 3rd party vendors, while ensuring files move through pre-qualification, application, processing and closing in a timely manner
• Field inquiry calls and discuss products with clients
• Request, review, and upload documentation from clients
• Act as liaison between Loan Officer, Branch and loan processing, if applicable
• Identify potential challenges with credit tracking exceptions and compile documentation required to clear them

Greater Atlanta Area

• Processed daily market price for pricing and generation of Rate Sheet
• Downloaded and organized price data file from Correspondents
• Maintained investor and broker/dealer approvals
• Maintained and set up loan programs in Product & Pricing system
• Enforced rate lock policy & processed lock requests communicating with brokers as necessary
• Referenced Company Lock Desk Procedures and Policies to exercise judgment in making pricing decisions for loan officers as it relates to individual loan scenarios.

Greater Atlanta Area

• Collected and verified information, and performed all due diligence in regards to approving new general contractors for the bank’s renovation programs
• Served as primary contact for loan officers on all Homestyle, Homepath, and 203K loans
• Reviewed renovation loan submissions for completeness and accuracy; consolidated all pieces of electronic file submissions to a paper file for the Retail Construction Manager to review
• Prepared the draw schedule for all renovation loans, based on the cost estimate/scope of work provided to the bank by the general contractor (This draw schedule is utilized throughout the renovation process for.
• Facilitated and scheduled all inspections, communicating with the bank inspector, general contractors, and borrowers
• Communicated with borrowers and general contractors on all post-inspection draw schedule verifications and check requests

Greater Atlanta Area

• Completed internal set-up of home purchase and refinance loans for Atlanta Metro (GA), Northern Virginia, and Savannah (GA) mortgage offices (consisted of: indexing loan documents, ordering USPS verification, fraud.
• Checked the loan file for completeness of documentation, per the bank’s compliance policies
• Communicated with loan officers, loan processors, and branch sales managers in regards to missing items