Jody S. Troyer, Cru Email & Phone Number

Knoxville, Tn, Us

Tennessee, United States

Responsible for rendering underwriting decisions on residential mortgage loans to mitigate risk. Underwrite loans to meet all applicable Federal, State, and NCUA regulations as well as credit union, secondary market, and investor guidelines, policies and procedures. Assist and provide support to ORNL FCU / 7 Mortgage staff, and Partners by explaining underwriting guidelines. Aid in the clearing of post-closing quality control underwriting conditions.

Perform activities related to credit decisions on mortgage and HELOC requests with the goal of achieving an optimal outcome for the Credit Union and the member. Assist in clearing underwriting conditions and reviewing lower risk loans for decision.

Knoxville, Tennessee

Responsible for the timely and accurate processing and closing of mortgage loan files. Process and prepare loan applications for underwriting by reviewing and verifying eligibility of the applicant and the associated loan documents. Ensure that each loan file is processed in a compliant manner. Serve as the last checkpoint for mortgage loans prior to preparing the closing paperwork and verify the accuracy of closing packages.

Gurnee, Il

Responsible for credit analysis and rendering underwriting decisions on residential mortgage loans and home equity lines of credit. Responsible for TRID compliance for all mortgage loan applications. Perform the processing and closing of Portfolio (in-house) and Secondary Market loan applications. Perform the preliminary underwriting of Secondary Market loan applications ensuring compliance with investor and GSE guidelines. Mortgage loan pipeline management from application through funding and trailing documents. Responsible for mortgage loan administration functions related to payment processing, escrow analysis, tax and insurance payments, ARM analysis, rate modifications and 1098/ tax reporting.

Assist members with their financial transactions while providing a full range of credit union products and services. Create and maintain a friendly environment and ensure prompt, efficient and courteous service to all members. Ensure compliance with applicable laws, rules, and regulations pertaining to the credit union. Cross sell CTCU products and services to provide and maintain a high quality of member relations.

Directly manage all aspects of the post closing mortgage loan Quality Control review process. Responsible for the scheduling, reverification, analyzing results and the reporting and invoicing to Clients. Developing, programming, and maintaining databases, reports, and Client information. Assisting in the transition of the current Client database to a new version through inspection, testing and PC software upgrades.

Managed the Client approval process of the Correspondent / Broker program for the Mortgage Company. Oversaw compliance reviews of internal departments and external Clients, analyze responses and made recommendations to management to enhance profitability and reduce risk. Managed personnel matters related to staff.

Risk Compliance Analyst II(PNC Mortgage Corp. of America / Sears Mortgage)Performed on-site audits for the HUD Sponsorship program of the Mortgage Company. Assisted in the training and development of the Risk Compliance Analyst and Lender Compliance Analyst.Investor Relations Representative(Sears Mortgage Securities Corp.)Coordinated the timely response to Servicer and Investor inquires, both verbal and written communications, for the Mortgage-Backed Securities program.

Liaison between employees and Datacenter. Researched new system releases. Reviewed and recommended enhancements to various systems / processes.