Rebecca Rhoades Email & Phone Number

Atlanta, Ga, Us

Duluth, Georgia

•Managed departmental staff of up to 8 employees at once, including evaluating performance, training, and hiring.•Maintained departmental policies and procedures in accordance to regulatory requirements and guidelines.•Analyzed financial and non-financial data to help drive business decisions.•Participated in month end processes by completing departmental report for board of directors•Participated in preparing the annual departmental budget, including income and expenses.•Ability to approve loans up to $500,000•Presented loans in excess of $500,000 to committee for review and approval.•Ensured QM compliance by instituting the Qualified Mortgage and Ability to Repay review•Implemented Non-Qualified Mortgage policy to increase loan volume •Implemented a new loan origination software to improve efficiency of the department •Implemented the use of e-signature of mortgage documents

Duluth, Georgia

•Originated conventional purchases, refinances, second mortgages and HELOC in all 50 states•Reviewed and analyzed loan transaction packages for preliminary approval or denial•Underwrote and submitted loans for final approval •Reviewed Freddie Mac guidelines for each loan submitted through Loan Prospector•Answered members’ questions via telephone, email, and in person •Reviewed and approved appraisals and title policies •Analyzed both personal and business federal tax returns to compute debt to income ratios •Liaison between borrowers, loan processors, and realtors to improve processing times•Maintained and balanced the department’s billing account while managing the department’s billing•Assisted other departments in credit union as needed•Special Projects assigned by management•Completed quarterly training sessions from Credit Union Digital University

Duluth, Georgia

•Input new loans obtained from members via mail, internet, and walk in applications•Processed purchases, refinances, second mortgage and Home Equity Lines of Credit •Ordered and reviewed credit reports, title reports, appraisals, and flood certifications•Processed third party verification of employments, rent, and deposits•Reviewed and approved HUD1/Settlement Statements •Acted as a liaison between the members, closing attorneys, and appraisers •Ordered and maintained tax service on recently closed loans•Helped train new mortgage processors

Bachelor Of Science (Bs), Family And Consumer Sciences

General Studies