* Ensure Mortgage Closing Packages are correct, complete and sent to the closing Attorney/Title * * Company in time to meet customer's scheduled closing for home purchase or refinance.* Maintained closing schedule for six loan officers.* Complete and balance CD "closing disclosure" with the closing attorney. title company.* Wire money to the to the closing attorney/title company to fund the purchase / refinance loan.* Receive closing package back from closing attorney and prepare package for sale to Investor -- this includes, but is not limited to, correcting incorrect documents, recording legal documents with appropriate municipality, contacting customers, attorneys for additional documentation needed.* Ensure all documents and files meet state and federal mortgage regulations.* Responsible for $9M worth of loan fundings / loan sales to Investor a month.* Assist with managing and assisting other departments as needed.

* Called up to 40 customers per day to collect on past due balances. Addressed customers’ concerns. * Arranged for payment plans as needed. Researched accounts for accuracy.* Reduced past due receivables from over $4.5 million to under $1.5 million

* Supervised daily operations for all products including outbound and inbound calling strategy over multiple sites. * Conducted compliance training for all employees. * Addressed HR issues such as hiring, coaching, counseling, and termination. * Researched and resolved customer issues. Took escalation calls from customers as needed to resolve their concerns.* Managed up to 20 collectors and ensured team performance met with expectations of all internal departments* Increased collections by 20% by changing the process from team-based collections to call-based collections * Reduced losses by developing the Consumer Single Point of Contact team in collaboration with senior management

* Managed Mortgage application process from opening until closing. * Requested documentation and information from clients and others as needed to finish the application process. * Reviewed all completed documentation for accuracy and ensured it was state and federal compliant. * Evaluated declined applications for missed opportunities to assist the customer.* Decreased average processing time to close a loan from over 60 days to under 45 days

* Managed Loss Mitigation Team to collect past due payments or to arrange payments to avoid foreclosure.* Led team collection efforts while providing excellent customer service and enhanced customer relationships with the bank. * Handled escalation/complaint calls from customers that were unable to resolve their situation with a team member.* Supervised team compliance education for local, state, and federal mortgage products/collection regulations.

* Managed daily/monthly mortgage loan pipeline to ensure loans were closed on a timely basis. * Made more than 15+ outbound calls to customers to request required documentation needed for the completion of the loan process. * Documented reviews for accuracy, completeness, and compliance.

* Arranged financing for mining and construction equipment sales for 31 salesmen. * Managed and maintained all accounting procedures for department including accounts receivables and payables. * Assisted in collection efforts as needed by finance companies or dealer including phone negotiations and office meetings with customers. * Discussed and negotiated with finance companies to gain approval of the highest percentage of sales possible. * Maintained a 98% approval rate with average monthly sales of approximately $15 million

* Managed daily operations of the branch including staffing needs, operations, and sales performance.* Consulted with clients to discover the best products for them. * Made outside sales calls to meet with commercial clients to discuss their banking needs. * Conducted product training for staff. Audited cash vault and transactional items. * Addressed and resolved customer complaints.* Led over 20 branches in investment representative referrals during the summer of 2007* Led the Birmingham market in account openings from October – December 2006