Ebony Phillips Email & Phone Number

Norfolk, Va

• Takes first mortgage loan applications via face-to-face interview, mail, and over the telephone entering application data into on-line system• Determines applicants’ qualifications; providing detailed information about Navy Federal’s mortgage and equity loan products; clarifying complexities of the mortgage/equity loan process; and evaluating, personalizing, and recommending financing alternatives• Reviews the application for completeness and integrity of loan data. Reviews the automated recommendation to approve the loan or refer it for further analysis• For approved loans, determines applicable loan conditions and documentation requirements and advises the member of loan conditions and documentation requirements• For referred loans, analyzes areas of concern and determines proper course of action (e.g., obtain explanations for derogatory credit). Prepares loan disclosures required by Federal/state laws (e.g., Good Faith Estimate, Truth-In-Lending)• Requests and obtains documentation needed and forwards to Mortgage Processor. Maintains good working relationship with assigned Mortgage Processor regarding progress and required processing information • Maintains contact with the member, Realtor and/or seller during the entire loan progress; responds to inquiries and resolves problems regarding processing of the loan• Ensures that the processing and mortgage loans are in compliance with Federal laws, and Navy Federal, NCUA and secondary market practices, guidelines, and regulations • Remains on-call and available to members and/or their real estate agents during scheduled evening hours after assigned work days and during scheduled hours on assigned days off (e.g., weekends) • Develops, creates, conducts, and/or participates in events to build ongoing business for Navy Federal such as Homebuyer Seminars, trade shows, tent sales, branch office promotions etc.

Norfolk, Va

• Provided critical support and assistance to Customer Relationship Managers and Underwriters• Ordered titles escrow analysis and other documents specific to loss mitigation• Submitted loans to the Underwriting team for income validation• Negotiated trial modifications using Modification Analysis and Net Present Value database• Assisted with the decline process, verifying that all accounts are within decline compliance• Negotiated permanent modifications using Modification Analysis and Net Present Value database• Trained peers on negotiating trial and permanent modifications• Obtained required credit and compliance documentation for assigned applications• Ordered appraisals• Ensured that all loan documentation is complete accurate verified and complies with company policy• Performed audits on the mortgage loan files for accuracy before shipping