Terri Moohan Email & Phone Number

In my position as Processing SupervisorMajor Responsibilities:Implementing best practices for the management of overall day-to-day loan processing operations, while ensuring compliance with standard procedures; managing and maintaining the accuracy and completeness of documentation by executing effective processes; conducting quality checks to maintain quality and compliance with established metrics.Key Accomplishments, I achieved during this role:• Improved overall performance by leading, training, and mentoring cross-functional teams.• Enhanced communication and cooperation between departments, employee morale, and timeliness of processing.• Established a new process to mitigate rushes to closing and underwriting.

Tampa, Fl

In my position as Team LeadMajor Responsibilities:Delivering exceptional performance in managing overall production of processing teams with a keen focus on achieving desired results; creating and delivering training sessions for overall staff to augment overall efficacy and productivity; conducting meetings with partners and staff identify complex issues, improvements, and opportunities; managing multiple projects from initiation to completion, while ensuring delivery of projects within time and scope constraints; fostering and nurturing positive relationships with underwriting, closing, originations, vendors, and other supporting departments.Key Accomplishments, I achieved during this role:• Received multiple Monthly Leadership Awards.• Streamlined overall processing operations through partners collaboration, including Originations, Underwriting, and Closing.• Ensured loan requests were processed and completed in accordance with prescribed policies, procedures, guidelines, and regulations.• Enhanced customer satisfaction and retention by identifying / resolving complex issues and ensuring delivery of excellent customer service.

St. Petersburg, Fl

• Analyzed loan files to ensure file met loan program requirements- analyze loan application, credit profile/report(s), debt and assets, income, LTV, DTI, appraisal reports and supporting documentation. • Assess loan risk of loss. • Set conditions files for missing/supporting documentation. • Review and clear conditions. • Approve, counter or deny loan file. • Respond to all loan specific audits/findings• Able to handle large pipeline and multitask effectively. • VA Post Closing review • Very low defect rate

• Performed all processing, decision, and pre-closing tasks required to assemble a loan from point of application to submission.• Processed VA and Conventional loan requests and verified accuracy of documents received. • Kept appropriate parties informed of loan status and met service level objectives in the areas of member satisfaction, speed, and efficiency of file delivery to completing mortgage applications. Made follow-up phone calls to applicants and third parties to obtain necessary loan documentation, title and/or collateral information. Ensured all required documentation is in compliance with state and federal regulations.• Contacted credit bureaus, employers, and other sources in order to check applicants' credit and qualifying references. Analyzed financial and credit data to determine the acceptability of the loan risk in support of bank, investor, and regulatory policies.• Coordinated closings with borrowers and assisted with post-closing compliance paperwork.• Provided guidance and coaching to junior processors to drive sound business results and may oversee the work product to ensure accurate processing and pre-closing tasks are completed from point of application to submission. Provided direct feedback to junior processors to aid in the refinement of existing skills and the development of new skills and provided feedback to unit manager on employee performance. Served as a resource to less experienced team members and facilitated unit training needs.• Handled the most complex real estate loan requests and escalated borrower issues for all mortgage products.• Provided oversight to daily work flow, to ensure service level objectives are met in the areas of member satisfaction, speed, and efficiency of file delivery to completing mortgage applications.• Identified opportunities for process improvements and served as a SME in the development, and implementation of processing system enhancements or process improvements.