Raina Johnson Email & Phone Number

Remote

• Reviews all pertinent facts needed to make eligibility determinations • Prepares SBA Lender Application for SBA Express, SBA 7a and SBA 504 loans

• Prepares loan documents for Retail, Commercial and Wealth loans• Awarded S.M.E. title and High Five Award for work performance on the nCino system implementation• Utilitied AFS, ALS, Appro, CLO, nCino, LaserPro, SalesForce, and Alnova software systems.

• Reviewed closed consumer loan packages to ensure conformity with applicable state and federal laws, company policy and underwriter requirements• Created Exceptions for documentation and policy deficiencies• Assisted Internal Bankers with correcting loan document violations• Applied knowledge of laws such as TILA, RESPA, ECOA, FCRA, UDAAP, GLBA, TCPA, all loan operation activities to loan document review• Continuously met and exceeded production and quality goals

United States

• Notified borrowers of mortgage acceleration• Researched the mortgage agreement for acceleration requirements• Applied due diligence to acceleration requirements • Analyzed and resolved all title issues in accordance to HUD, VA and FNMA regulatory guideline’s by collecting data, establishing facts and drawing valid conclusions• Utilized multiple systems to research and request releases or payoffs for title liens• Communicated with Banks regarding title curative status• Filed claims with title insurance companies and insured claims were expediently resolved • Corresponded with attorneys and 3rd party companies to request updates on needed documentation• Requested property tax and tax sale information from county government officials• Prepared and sent title documents to be executed and recorded

• Ordered, collected and reviewed appraisals, title, surveys, income/employment verifications and any other documents needed to complete a loan refinance under HARP regulatory guidelines and internal underwriting conditions• Consulted with customers on documents needed for underwriting conditions and status of loan • Worked independently and as part of a team to meet monthly production goals for number of loans processed • Insured compliance with federal regulation• Main tool of communication between Mortgage Consultants, Underwriters and Customers• Constantly received high ratings on the customer satisfaction surveys

• Completed and filed federal and state income tax returns for the public and self-employed individuals • Explained qualifications for tax credits and deductions to the general pubic• Reviewed income and expense statements, interest and dividend income statements and other financial statements• Successfully made sales calls to retain customers• Communicated with customers on sensitive information