Joy Wester Email & Phone Number

United States

Jacksonville, Florida Area

(2012)Responsible in a team/leader supervisor capacity for the work flow/distribution of work for a group of employees. Serves as a resource person to the department in providing direction and guidance. Assists in meeting the timeframes of note/servicing packages, reviewing and deficiencies. Ensures delivery of knowledgeable, efficient, consistent, accurate and courteous responses to both internal and external contacts. Assists department supervisor in the preparation of performance appraisals, with feedback regarding training needs and with work scheduling matters.  Leading member of SWAT team, a project of managing an aged pipeline that resulted from enormous volumes generated during the refinance boom in the industry. Fill in for Team Manager when needed to provide a seamless work day and make sure all issues were addressed in a timely fashion

Jacksonville, Florida Area

(2012 –2013) Oversee a team of 10+ Loan Processors by monitoring overall compliance with regulations, monitoring efficiency, and developing plans for productivity improvements. Monitor results of internal audits and suspensions for areas needing improvement and additional training. Responsible for the recruiting, hiring, training, performance management and development of all employees, disciplinary actions, salary adjustments and termination functions. Advise Mortgage Loan Officers on difficult lending questions or financial institution issues. Facilitate monthly staff meetings. Monitor staff processing volume and adjust for workload distribution as necessary. Ensure that employee metrics and goals are met as they relate to defects; manage, coach and provide regular feedback to staff as it relates to achievement towards metrics and goals.

Jacksonville, Florida Area

(2009 –2011) – (2014 – present)Processed Conventional, FHA, VA and municipal Bond loans, purchase and refinance. Reviewed loan applicants' credit reports, income, appraisal, and bank statements. Analyzed income for salaried and self-employed borrowers. Managed AUS findings and analyzed approvals and results accordingly. Validated coverage for flood and hazard insurance, both Individual and Master insurance, title, subordinations, and Homeowner Associations. Reviewed titles.  Top 20 processors in volume for the site 2009, 2010, 2012 Top 5 processors in Volume for 2010. 99.67% overall quality

Jacksonville, Florida Area

Processed Conventional, FHA, VA and municipal Bond loans, purchase and refinance. Reviewed loan applicants' credit reports, income, appraisal, and bank statements. Analyzed income for salaried and self-employed borrowers. Managed AUS findings and analyzed approvals and results accordingly. Validated coverage for flood and hazard insurance, both Individual and Master insurance, title, subordinations, and Homeowner Associations. Reviewed titlesResponsible for processing FHA, VA, and Conventional loans

Jacksonville, Florida Area

Ensured files originated met company quality control policies and government compliance guidelines. Proficient in processing, conventional, FHA purchases and refinances and Reverse mortgages. Coordinated closings with title companies, attorneys, and lender closing departments. Recruited loan officers and processors.• Responsible for overseeing and training new auditor’s while dealing with a large volume of loans• At high volume times working late and taking files home to insure the department started fresh the following day• Reviewing Closing docs to insure Accuracy and state compliance (Mortgage, Note, TIL, etc. checking amounts and dates)