Jacqueline Givens Email & Phone Number

United States

• Eligibility Analyst for a $10.55 million federal program (Arkansas Low Income Household Water Assistance Program (ARLIHWAP) to assist qualifying low-income households in Arkansas with their water and sewer bills.• Verify the accuracy of information provided in applicant’s submission for completeness, accuracy and compliance with documentation required to determine eligibility for assistance.• Collaborate with applicant and their supporting utility for information needed to determine… Show more • Eligibility Analyst for a $10.55 million federal program (Arkansas Low Income Household Water Assistance Program (ARLIHWAP) to assist qualifying low-income households in Arkansas with their water and sewer bills.• Verify the accuracy of information provided in applicant’s submission for completeness, accuracy and compliance with documentation required to determine eligibility for assistance.• Collaborate with applicant and their supporting utility for information needed to determine eligibility and amount of benefit.• Calculate amount of benefit and eligibility for additional assistance.• Submit eligible applications to Quality Control for review and payment.• Occasionally assisted with the Call Center for ARLIHWAP.• Accept calls from potential applicants, current applicants, and supporting utilities and resolve issues or escalate issues to higher authority as required.• Collaborate with team members, applicants, and internal and external partners to capture lessons learned and best practices to continually improve the delivery of services to applicants and clients.• Identify and safeguard of Personal Identifiable Information (PII) for all applicants.• Communicate frequently and accurately with project leadership regarding production, customer service issues raised, resolved, lessons learned, and best practices. Show less

Remote

• Responsible for evaluating and analyzing all loan packages including credit and collateral documentation to ensure investment quality loan product. This includes ensuring that loan request and financial documents meet all required conditions. • Exercised discretion and utilizes exceptional analytical abilities to detect discrepancies in documentation and/or information while following all company standards and escalating any issues according to the company prescribed process. •… Show more • Responsible for evaluating and analyzing all loan packages including credit and collateral documentation to ensure investment quality loan product. This includes ensuring that loan request and financial documents meet all required conditions. • Exercised discretion and utilizes exceptional analytical abilities to detect discrepancies in documentation and/or information while following all company standards and escalating any issues according to the company prescribed process. • Evaluated loans to ensure they meet Investors, FHLMC, FNMA and company overlays. • Ran AUS for Desktop Underwriting (DU) and Loan Prospector (LP) for approval. • Ability to meet established productivity standards. Underwrite basic to moderately complex levels of mortgage loan applications and evaluates loans in order to maximize organizational risk or loss. • Performed appraisal review to ensure that the collateral meets all agencies requirements based on the product. • Worked closely with internal and external customers to ensure that all loans are meeting guidelines prior to closing. • Stayed up to date and informed on all government regulations and requirements as well as company guidelines and overlays. Show less

• Checked the accuracy of all calculations and loan documentation provided. • Completed a thorough analysis of loan files to determine compliance with KFCU, GSE, Conventional (FHLMC), FHA, USDA and VA guidelines. • Assisted in the evaluation of the credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral. • Identified potential quality loans to be… Show more • Checked the accuracy of all calculations and loan documentation provided. • Completed a thorough analysis of loan files to determine compliance with KFCU, GSE, Conventional (FHLMC), FHA, USDA and VA guidelines. • Assisted in the evaluation of the credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral. • Identified potential quality loans to be held in portfolio if secondary market guidelines cannot be met. • Maintained credit union service levels to provide appropriate turnaround times. • Assisted in internal quality control, audit review issues and responding to audit findings.• Provided feedback to management on suggested guideline changes and/or enhancements.• Maintained a working knowledge of secondary market, Conventional (FHLMC), VA, FHA, and USDA underwriting guidelines as well as private mortgage insurance guidelines, and In-House guidelines. • Ability to meet established productivity standards. Underwrite basic to moderately complex levels of mortgage loan applications and evaluates loans in order to maximize organizational risk or loss. • Responsible for collateral evaluation for most property types including Single-Family, Second-Homes, New Construction, HELOC, Land and Condos. • Well-versed in standard concepts, practices, and procedures of residential underwriting and is able to ensure that loan meets agency salability or insurability. • Able to apply elements of manual underwriting but is primarily reliant on LP (Loan Prospector) to make a sound credit decision. This level of underwriter is expected to accurately identify risk factors along with the presence of compensating factors that mitigate risk to the credit union, adding supporting comments and documentation accordingly. Excellent quality is required, while working in a fast-paced production environment. Show less

• Processed all First Mortgage and Home Equity applications. • Gathered all necessary loan documents for completion of all loan files. • Ordered and review all documentation, appraisal, survey, title commitment, insurance, and all necessary documents. • Took necessary follow-up actions to assure receipt of complete loan packages. • Assists members, other departments, and department staff with inquiries or problems in a friendly and professional manner and refers more serious… Show more • Processed all First Mortgage and Home Equity applications. • Gathered all necessary loan documents for completion of all loan files. • Ordered and review all documentation, appraisal, survey, title commitment, insurance, and all necessary documents. • Took necessary follow-up actions to assure receipt of complete loan packages. • Assists members, other departments, and department staff with inquiries or problems in a friendly and professional manner and refers more serious matters to the Mortgage Loan Manager. • Ensured compliance with applicable federal, state and local laws and regulations. • Completed all required compliance training. • Maintained knowledge of and adheres to KFCU’s internal compliance policies and procedures. • Ensured that all policies and procedures are followed Responsible for compliance with all Federal regulations including BSA and OFAC. Show less

•Reviewed and audit all closed mortgage loan files for accuracy, completeness, and regulatory compliance. • Requested missing documents for internal and external members as needed. • Prepared and record cancellation of deeds for paid loans from our servicing department. • Prepared files and lend support to internal and external members in correcting closing documents and system discrepancies. • Provided reports to management as needed.

• Assisted in managing and monitoring branch activity including teller transactions, loan volume, delinquency history, employee errors, and product penetration on ancillary products and cross sell activity, assist in the creation and maintenance of policies for the Operations and ensuring compliance with applicable rules and regulations. • Reviewed and evaluate daily accounts for possible errors, while ensuring that all administrative and management resolutions have a positive outcome.

• Expertly supervises day-to-day branch operations managing 8 employees. • Responsibilities include: monitoring of teller lines controlling manpower improving flow of customers, manage cash volumes, debit, and credit transactions, preparation of monthly reports for compliance with corporate goals, payroll review and approval, and ensures office files are in compliance with HR guidelines. • Examined information brought to management attention about customers and employees to determine… Show more • Expertly supervises day-to-day branch operations managing 8 employees. • Responsibilities include: monitoring of teller lines controlling manpower improving flow of customers, manage cash volumes, debit, and credit transactions, preparation of monthly reports for compliance with corporate goals, payroll review and approval, and ensures office files are in compliance with HR guidelines. • Examined information brought to management attention about customers and employees to determine the best resolution for the bank. Show less

•Assembled and reviewed documents, and alternative documentation for acceptability against loan conditions in accordance with HUD/VA instructions and publications. • Reviewed and resolved document exceptions for compliance with CMMC Investor/Agency requirements. • Issued proper disclosure as required by federal regulatory compliance. • Organized the flow of information via telephone/email communication and written consultation between closing agents, attorneys, branches, underwriters… Show more •Assembled and reviewed documents, and alternative documentation for acceptability against loan conditions in accordance with HUD/VA instructions and publications. • Reviewed and resolved document exceptions for compliance with CMMC Investor/Agency requirements. • Issued proper disclosure as required by federal regulatory compliance. • Organized the flow of information via telephone/email communication and written consultation between closing agents, attorneys, branches, underwriters, as well as HUD/VA offices. Show less