Teresa Bain Email & Phone Number

Las Vegas, Nv, Us

Nevada, United States

•Yardi – Texas HAF Program/Texas Dept of Housing and Community Affairs •HOTB – New Jersey Emergency Rescue Mortgage Assistance •Excellent knowledge of LIHTC, HUD, USDA/RD, HOME, and other affordable housing programs. Microsoft Teams, Microsoft Office Suite, and Microsoft SharePoint•Review submitted application. Determine reasonableness of information provided. Making decisions on the sufficiency and accuracy of information provided in an underwritten submission.•Report missing, incomplete, or inaccurate documentation through automated systems. •Communicate with applicants via email/text/phone regarding additional information needed and customer compliance questions, researching issues, and providing answers.•Examine/review credit underwriting documentation, including applicant supplied financial information, notes, deeds, tax returns personal and business, bank statements, credit report and pay stubs, and perform analysis to assess compliance with income limitations. This may include debt/income ratio calculations and monthly household net cash flow. •Analyze past due loan payments and determine allowable payments based upon parameters of program guidelines (i.e., maximum debt to income ratios allowed) •Review applicant information regarding homeownership status, type of applicant, property type, household size, etc. for compliance with client-defined guidelines. •Communicate effectively with coworkers on file status and program requirements. 2nd level review.•Escalate unresolved customer issues to management for timely resolution with strong follow-up skills to ensure appropriate action is taken to resolve outstanding inquiries or problems •Assist supervisory staff with training coworkers and stay knowledgeable by developing and maintaining a solid understanding of affordable housing business operations, compliance requirements, and processes. •Assist with additional special projects as needed

Nevada, United States

Remote

Contribution: The branch I was working with saw how proactive and creative I was on my approach with difficult loans and promoting team concept to ensure the goals of the branch while excelling in the highly competitive environment where leadership skills were the key to success. The branch asked me to be the Training Manager and Ops Manager to modifying the file flow for the branch, build out each role & responsibilities while building out their own onboarding and continuing education training that was provided by myself with each new and existing staff in Sales and Ops to accelerate the ramp up period to originate and process a higher loan volume within a short period of time increasing the overall branch quality and quantity reach goal setting months, while completing all my roles and responsibilities as a Sr Loan Processor with 50-100 loan application pipeline. Pre-balanced final CD with Title company making the closing on all loans a great experience.Salesforce and CRM

Las Vegas, Nevada, United States

Contribution: Ability to use my prior skill set in the manufacture homes to help grow a rural branch to expand in the conversion, new build and refinance loans combined with local DPA programs increasing the loan quality and quantity.

Henderson, Nevada, United States

Contribution: Ability to produce a high volume with quality and excellent customer service while the branch stayed opened

Henderson, Nevada, United States

Contribution: Moved from Texas to be closer to my parents and help with the opening of the new Life Time Club gave me the ability to use my prior management skills and college tennis skills to bring a fun and profitable tennis department. I was able to achieve a new skill of opening and operating the Tennis Pro/Clothing shop that exceed the monthly profit goals for two full years.

Lewisville, Texas, United States

Contribution: Ability to review the constant lending changes to create training material and conduct training in person and virtual classes with job aids to all employers within the company, while working with all departments to verify material using compliant with all lending guidelines. I was asked to be a SME in building out the new LOS system, Empower, with IT, Sales, Ops, and Compliance to create all training materials for students and facilitators. I was also the lead in opening Retail Branches in St Louis, Florida, Tennesse, and Nevada for all Production/Sales and Operational roles.

Irving, Texas, United States

Contributions: Taking the initiative to educate myself in the full process of a mortgage loan from originations to processing, underwriting, pre-QC, closing/funding, Title signing, post-QC, auditing, compliance/risk management, Investor purchase, servicing payments, impounds, and repayment plans to be able to understand each role and responsibilities. This allows me to better communicate with others on the steps, whys, needs, and expectations keeping in mind the role of the people prior to me and after me to make the results exceptional.