Lenee Evers Email & Phone Number

Chattanooga, Tennessee

Chattanooga, Tennessee

Process secondary market and in-house mortgages for purchases, refinances, and home constructionEnsure compliance deadlines are met with regards to completing initial disclosures and changes of circumstanceReview loan files and gather documentation from the borrower and third-party vendors and review AUS findings accordinglyReview and confirm data and income in MortgageBot matches the documents in the loan file Submit completed files to Underwriting for approvalWork with borrower to obtain loan conditions once loan approval is received Review title work and communicate with title officer to resolve outstanding issues if neededReview appraisals and run SSR reports before submitting back to underwriting for reviewPull and verify credit reports, fraud reports, tax transcripts, and flood certs as neededSuccessfully work directly with Loan Officers, Underwriters and Closing Department to ensure that loan files meet expected timelines.

Chattanooga, Tennessee

-Meet with customers to discuss lending needs and loan eligibility-Assist customers in gathering proper information and documentation to process their loan-Follow TRID compliance guidelines and provide necessary disclosures on time to customers-Process loan application and analyze customer financials-Review repayment and collateral ratios to determine loan strength, and submit to underwriters if loan appears capable of meeting standards -Review loan decision with customers and inform them of any loan conditions-Order and review title work and appraisal once complete-Prepare settlement statement for closing and review with customer-Prepare and send closing documents to title company/closing attorney

Cartersville, Georgia

-Meet with customers to determine eligibility and discuss the loan process-Assist customers with gathering the correct information for loan applications and financial statements-Obtain copies of customers credit reports, individual and corporate tax returns, bank statements and other financial information-Analyze credit information, financial statements, and tax returns to figure out how much risk is involved in lending new or additional funds-Use computer software to generate financial ratios, payment schedules, and loan documents-Evaluate collateral based on tax value assessments, invoices and comparables-Compile title package for closing attorneys and prepare loan documents for closing-Review HUD, insurance requirements, and commitment title policy and attend closings-Meet compliance guidelines and send proper legal notices when needed

-Responsible for uploading and reviewing loans and making necessary corrections-Correctly post and deposit customer payments -Pull maintenance reports and check account balances-Compose journal entries to reconcile accounts -Create and cut checks for new loans, expenses, and other fees for customers-Image and maintain loan documents, ensuring confidentiality and document security-Answer phones, greet customers, and assist where needed

Master, Business Administration

Bachelor, Accounting Major; Business Administration Minor

Activities and Societies: Epsilon Sigma, Shorter Relations Society