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

• 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.
• 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