Carol C. Email & Phone Number

Lynnwood, Wa, Us

Lynnwood, Washington

• Manage Construction Permanent portfolio averaging 70-80 files; primary contact for builders and borrowers until completion of project • Process draw requests, review project and budget, order and review inspections, progress inspections and appraisal re-inspections. Order and review survey, foundation and date down endorsements• Review extension requests and submit for approval• Prepare conversion documentation for construction loans to permanent, including loan modifications• Prepare and process payoffs for refinanced loans• Monitor loan payments, insurances and licenses are current • Research, review and respond to any discrepancies or disputes • Perform other duties as requested and assigned

Lynnwood, Wa

• Prepare and issue initial disclosures for all loan types and geographical areas, specializing in high risk/complex products which include Jumbo, State Agency products, FHA DHHL, Broker and C-Perm/Renovation/203(K) loan products• Ensure fees entered are appropriate for the program type and geographic area of the loan• Handle high profile and sensitive situations that require more detailed product and regulatory knowledge• Review, research and respond to departmental QC audits• Departmental SME for new LOS system-Encompass; testing, development of process and procedures and training • Create, manage and present Departmental procedures • Perform other duties as requested and assigned

Greater Seattle Area

Loan Application Disclosures and Compliance:• Reviewed disclosure requests from Loan Originators, checked for accuracy against LOS system, discussed discrepancies with them • Generated compliant and accurate initial disclosures packages per bank and broker requirements, sent to Loan Originators and borrowers• Completed anti-steering requirements for broker disclosures• Ordered title and escrow items; follow-up, review for accuracy, update system accordingly• Prepared and sent changed circumstance redisclosure packages to borrowers• Ran daily reports from credit agency; reviewed credit pulls for refinances, discussed file status with Loan Originators, determined whether disclosures are to be issued or file denied• Canceled denied or withdrawn loans from system • Researched compliance questions when necessaryInitial File Review and Order Outs:• Received file from Loan Originators and verified all initials disclosures in file and signed properly by borrowers• Ordered FHA and VA case numbers• Ran CAIVRS• Ordered 4506-T tax transcripts, condo questionnaires, insurance binders, appraisals, credit supplements, deposit and employment verifications; follow-up, review for accuracy, update system accordingly• Verified borrowers employment information and completed verbal verifications of employment• Completed LDP GSA General Office:• Assisted at front desk; including supply order, vendor contact for repairs, general office maintenance• Reviewed, approved and submitted branch office invoices for payment or reimbursement• Created forms for branch to use when needed

Everett, Wa

• Conducted new employee orientations, benefits training, job-specific front desk personnel training, NMLS system training and other departmental trainings • Completed, submitted and followed up on applications and renewal packages for new and existing Warehouse Lenders, Correspondent Lenders, Brokers, Government agencies, Mortgage Insurance companies; Point of Contact • Acted as administrator for all state, government and NMLS licenses at MAG including loan originators, branches and its company• Monitored licenses of Loan Originators and provided training and support for their personal licensing needs• Obtained state surety bonds as needed• Collaborated with IT department, gathered and analyzed data, prepared and submitted quarterly Call Reports and yearly HMDA reporting; Point of Contact • Assisted with state regulatory and government agency audits • Managed and coordinated department specific projects • Created, published and updated company-wide policies and procedures• Assisted COO with HR related jobs; wrote job descriptions, posted job listings, reviewed resumes, interviewed• Managed Corporate office and supervised front desk personnel; wrote and conducted employee evaluations• Compiled comprehensive informational reports for ownership and/or department managers• Assisted Compliance Department • Worked with new and existing vendors to discuss product needs, changes and costs • Assisted COO with setting up and opening new branch offices• Setup, maintained and administered employee access for all websites used, including troubleshooting access issues• Prepared and published companywide monthly employee newsletter and quarterly training and event calendar • Gathered and analyzed data for 1099 reporting, prepared statements and sent to borrowers

Seatte, Wa

• Created, developed and managed the first Equity Review Department and the new Loss Mitigation and Foreclosure Departments within Consumer Loan Servicing; trained, coached and supervised team members in day-to-day operations in these two departments• Created Departmental Policies and Procedures for Consumer Loan Servicing: Equity Review, Loss Mitigation, Foreclosure and Repossession • Handled HR related matters; interviewing, hiring, performance counseling and evaluations and terminations• Managed a portfolio of approximately 1,500 loans with an aggregate outstanding balance of $125 million on a rolling monthly basis • Conducted loss mitigation and/or foreclosure activities on secured consumer loans including repossession and replevin actions, liquidation of repossessed automobiles • Actively participated in the first Six Sigma project relating to Equity Review • Development team member for the ACLS and CACS 8.0 servicing systems

Irwindale, California

• Supervised Assumption, Unauthorized Title Transfers and Credit departments • Assisted customers with workout programs to maintain home ownership or short payoff; extensive account analysis • Identified non-performing accounts and rehabilitated those accounts • Analyzed business needs and performed functional comparison to streamline performance and increase productivity; created function flows, test cases and scripts for conversion to ALLTELL/CPI systems; Supervised a team of 25 individuals • Assisted in the development and implementation of the Mystery Shopper Program