James Lay Email and Phone Number
Justin, TX, US
James Lay's Location
Justin, Texas, United States, United States
James Lay's Contact Details
James Lay work email
- Valid
- Valid
- Valid
James Lay personal email
n/a
About James Lay
Seasoned Loan Specialist with 24 years of comprehensive experience with sound knowledge of federal regulations and underwriting processes. Well-versed in loan products and customer engagement strategies. Effective in training team members to proactively identify and highlight potential risks. Adept at communication with customers to resolve default issues and recommending, developing and implementing changes to mortgage programs.
James Lay's Current Company Details
James Lay Work Experience Details
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Correspondence And Dispute Specialist IiiNewrez LlcJustin, Tx, Us
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Senior Risk AnalystTexas Capital Bank Jun 2022 - Sep 2024Richardson, Texas, United States• Assessed emerging risks through ongoing research and monitoring of mortgage trends, proactively addressing potential threats before they materialized into significant issues.• Improved decision-making processes by providing insightful recommendations based on thorough risk analysis.• Developed short-term goals and long-term strategic plans to improve risk control and mitigation.• Track, trend and monitor client Wet Notes and Hedge position reports (Hedge Reports provided by clients, either in-house prepared or ordered from hedging firm- Optimal Blue, MCT, MIAC)• Assist with maintenance of operational risk matrices, improve existing controls, and develop new controls as required. -
Client Specialist (Mortgage)Phh Mortgage Jun 2021 - Mar 2022United States• Achieved high customer retention rate through exceptional relationshipmanagement and personalized service.• Enhanced team productivity by mentoring junior mortgage specialistsand sharing best practices.• Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.• Work and maintain team structured email box for loan scenarios, loan status, including: suspended loans, post purchase questions, locks and pricing questions.• Schedule and lead on-boarding Welcome Calls for new clients -
Mortgage Customer Service RepresentativeTexas Capital Bank May 2018 - Jun 2021Richardson, Texas• Ensured accuracy in data entry tasks, minimizing errors that could result in costly delays or misinformation within the mortgage process.• Enhanced borrower retention with proactive communication and follow-up on loan status updates.• Increased efficiency in processing mortgage applications by implementing a system of organization and prioritization.• Collaborated with underwriters to expedite loan approval, ensuring timely closings for clients.• Reduced customer complaints by providing clear explanations of complex mortgage concepts and terminology.
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Sales CoordinatorPacific Union Financial, Llc Mar 2015 - May 2018Irving, Texas• Worked closely with the sales team to prioritize tasks, set goals, and allocate resources efficiently; resulting in increased productivity and revenue.• Maintained accurate records of all sales activities, including contracts, proposals, quotes, follow-ups, and customer communications.• Supported sales team members in achieving individual goals and targets through coaching, mentoring, and guidance.• Achieved sales goals and service targets by cultivating and securing new customer relationships.• Increased sales revenue by establishing strong relationships with clients and identifying new business opportunities.• Streamlined sales processes for improved efficiency and customer satisfaction.
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Purchasing/AuditorStearns Lending, Llc Jun 2014 - Mar 2015Dallas, Texas, United States• Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.• Ensured product compliance with industry regulations by staying up-to-date on relevant standards and guidelines, implementing necessary changes to maintain conformance.• Utilized root cause analysis techniques to identify underlying issues contributing to product defects or customer complaints.• Streamlined the documentation process, ensuring adherence to industry standards and regulatory requirements.• Performed risk assessments on potential new projects, helping management make informed decisions about resource allocation and project priorities.
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UnderwriterCiti Nov 2009 - May 2014Irving,Tx• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.• Documented underwriting decisions and provided evidence of compliance with applicable regulations.• Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.• Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.• Identified and resolved application discrepancies for accuracy and compliance with relevant regulations. -
Underwriting AssistantCiti Apr 2001 - Nov 2009Irving• Assisted in the negotiation of policy terms and conditions, demonstrating strong analytical skills and attention to detail.• Ensured compliance with all regulatory requirements through diligent record-keeping and strict adherence to company policies.• Prepared comprehensive reports on underwriting activities for management review, highlighting areas of success and opportunities for improvement.• Reviewed policy documents for completeness and accuracy before submission, minimizing the need for revisions or cancellations due to errors.
James Lay Skills
Credit
Credit Risk
Loans
Mortgage Lending
Underwriting
James Lay Education Details
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High School Diploma
Frequently Asked Questions about James Lay
What company does James Lay work for?
James Lay works for Newrez Llc
What is James Lay's role at the current company?
James Lay's current role is Correspondence and Dispute Specialist III.
What is James Lay's email address?
James Lay's email address is ja****@****age.com
What schools did James Lay attend?
James Lay attended Vilonia High School.
What skills is James Lay known for?
James Lay has skills like Credit, Credit Risk, Loans, Mortgage Lending, Underwriting.
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