Erin Higgins Email & Phone Number

Columbus, Ohio Area

Manage a team responsible for tax compliance verification. Responsible for training lenders in the use of our programs. Answer questions about programs from the public, lenders, realtors and borrowers. Accountable for all aspects of pipeline management. Doubled production in the last year due to concerted outreach efforts.

Managed mortgage loan operations staff. Responsible for hiring and training allstaff, maintain adequate staffing as well as performance management. Effectively communicate new policies and procedures to operations and support staff. Work closely with underwriting on complex transactions. Interacted daily with sales staff to provide input on loanstructure, answer underwriting/guideline/program/loan pricing questions or solve issues. Partner with Regional Sales teams to provide monthly closing forecast to Divisional Management team. Responsible to introduce procedures to streamline turn times to effectively meet customer expectations and maintain service level agreements. Monitored and held team accountable for all regulatory compliance.Provide ongoing training, mentoring, recognition of operations and support staff. Focus on employee engagement to achieve high employee retention and excellent customer service to internal and external customers.Accomplishments include:· Mentored processing staff to attain loan approval authority as well as provided ongoing supportonce a staff member gained approval authority. 78% of staff achieved approval authority.· Consistently met benchmark goals as set by corporate.· Received outstanding compliance audit from internal auditors at last audit.· Created a position in my region to improve efficiency which was so effective that itwas replicated throughout the operations centers across the country.· Led and retained staff through internal investigation that resulted in the termination ofthe majority of the sales force.· Acted as interim Sales Manager on many occasions in order to retain Sales force.· Achieved and maintained approval authority of loans, approving 50 loans in 2012, 22 through July 2103, receiving satisfactory on all QC'd approvals.· Earned several achievement awards throughout the years: Contributor of the Year; Team Player of the Year; 2nd Place in Employee Engagement survey 2007 & 2008.

Underwrote FHA/VA/Conventional loans according to agency guidelines.· Obtained Direct Endorsement certification and VA LAPP authority.

Responsible for managing processing of conventional, FHA/VA and subprime loans.Promoted from Processor to manager within a few months of joining the company.

Processed, closed and shipped conventional, FHA and VA loans. Responsible for sendingcase binders to FHA and VA for insuring.

Bachelor Of Business Administration, Finance

High School Diploma